How is Accident Prime different from regular motor insurance?

Regular motor insurance primarily covers vehicle damage and third-party liabilities, while Accident Prime specifically focuses on medical expenses for people inside the vehicle. It provides OPD coverage for accident-related injuries, which standard motor insurance doesn't cover.

Motor Insurance

Accident Prime Add-On (Private Car)

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Care That Goes Beyond Your Car

Safeguard Yourself Along With Your Vehicle

Coverage Highlights

Extra care for unexpected moments

Accidental OPD Coverage

Covers expenses for the treatment of injuries incurred when your car meets with an accident.

Coverage for Driver and Passenger

Covers the medical expenses incurred by both driver and passenger up to the permissible seating capacity of the vehicle in an accident.

Multiple Plans to Choose From

Choose from Master wallet options ranging between ₹30,000 and ₹1,00,000. The Master wallet defines the total coverage for all claims in a policy period.

No Effect on Motor Base Policy NCB

This add-on protects an individual in case of a mishap and there is no impact on the No Claim Bonus of the base motor policy if a claim is made for this add-on.

Inclusions

What’s covered?

In-Clinic Doctor Consultation

Get reimbursement for expenses incurred towards general medical practitioners, specialists, and super specialists available at network hospitals.

Teleconsultation

Covers teleconsultation with medical practitioners (via video, audio, or chat) through our Bajaj General App.

Doctor-Prescribed Investigation

Covers expenses incurred due to doctor-prescribed investigations such as radiology and pathology at our network hospitals and labs.

Diet and Nutritional Consultation

Coverage for dietary or nutritional consultation post-accident through dieticians and nutritionists available through our Bajaj General App and network hospitals.

Digital Health Vault

Save your health documents online in a secure manner.

Exclusions

What’s not covered?

Intentional Self-Harm

Self-inflicted injuries, as well as injuries caused by the use of intoxicating substances, will not be covered.

Treatment of Substance Abuse

Treatment related to alcoholism, drug abuse, and any addictive condition will not be covered.

Other Medical or Surgical Treatments

Any other medical or surgical treatments not pertaining to the injuries caused during the accident will not be covered.

Third-Party Liability or Injury

Any claims arising due to third-party injury or damage will not be covered.Accidents in Other Class of Vehicle

Accidents in Other Class of Vehicle

Injuries caused due to accident of any other class of vehicle except the insured private car will not be covered.

What is Accident Prime Add-On Cover?

Accident Prime is an add-on coverage that is exclusively offered by Bajaj General Insurance with your motor insurance plan. The primary aim of this add-on coverage is to protect you and co-passengers from medical expenses incurred due to a car accident.

While the traditional motor insurance plan only focuses on vehicle damage and third-party liabilities, the Accident Prime Add-On, on the other hand, goes beyond to save your car. It focuses on in-clinic doctor consultation, digital health vault and more. [1]

With benefits such as cashless convenience, master wallet and more, Accident Prime Add-On Cover is made to safeguard in every situation.

Quick Overview

Driver & Passenger Protection

Provides coverage for the owner-driver and also for the passengers in the vehicle.

Nutritional Consultation

Provides nutritional assistance post-accident through top dieticians from network hospitals.

Cashless Claim

Omits any type of upfront financial stress, because it provides hassle-free cashless repair services.

Teleconsultation

You get access to top medical practitioners over video, audio and even on chat.

Flexible Wallet Limits

Choose from the Master Wallet options that range from ₹30,000 to ₹1,00,000.

Complete Coverage

With in-vehicle protection, cashless hospitalisation and dedicated assistance, it provides complete coverage.

Key Features of Accident Prime Add-On

Some of the key features of Accident Prime Car Insurance Add-On include [VS1] [LS2] cashless hospitalisation, cashless OPD charges and more.

Here are 6 key features of Accident Prime Add-On:

Driver & Passenger Protection

This add-on covers all your medical expenses for the owner-driver as well as for all the passengers up to the vehicle’s permissible seating capacity.

Cashless Hospitalisation

You can get access to quality medical care at hospitals and labs and you do not have to incur any out-of-pocket expenses for this.

Accidental OPD Coverage

This add-on covers all the expenses for the treatment of injuries incurred when your car meets with an accident, safeguarding both driver and passenger.

24x7 Expert Access

You can easily connect with some top general practitioners, specialists and super-specialists remotely via audio or chat for quick medical advice and injury assessments.

Diet and Nutritional Consultation

Coverage for dietary or nutritional consultation post-accident through dieticians and nutritionists through the Bajaj General App and network hospitals.

Digital Health Vault facility

In this add-on, we provide a Digital vault Services where You can store all his/her medical documents online.

Why Should You Choose Accident Prime Add-On?

You should choose Accident Prime Add-On because it not only gives you cashless claim convenience, but also gives you the space to customise your plan, get teleconsultation benefits and more. Here are some of the reasons why you should choose an Accident Prime Add-on:

1. Customised Plan

Tailor your Accident Prime Add-on to seamlessly match your lifestyle. Whether you need higher accidental OPD coverage, diagnostic investigations or extensive tele consultations, you can easily customise your limits.
2. Teleconsultation Benefit

Our Accident Prime Add-On plan provides coverage for teleconsultation with medical practitioners over video, audio or chat. Get easy access to this through our Bajaj General App.
3. Doctor consultation and OPD Charges

Covers In-clinic consultation charges, listed procedure charges incurred for admissible post accidental Injury suffered whilst travelling in the Insured Vehicle.
4. Family Passenger Protection

You should choose the Accident Prime Add-On if you frequently travel with family members, children and elderly people. This rider extends medical expense protection to everyone who is travelling.

Accident Prime Add-On at a Glance

Here is all you need to know about Accident Prime Add-on:

Sr. No.	Features	What is it?
1	Accidental OPD Coverage	Covers the expenses for the treatment of injuries incurred when your car is involved in an accident
2	Multiple Plans to Choose From	Choose from the Master Wallet options that range from ₹30,000 to ₹1,00,000
3	No Effect on NCB	Protects you during the time of a mishap and has no impact on the No Claim Bonus
4	In Clinic Doctor Consultation	Get reimbursement for expenses incurred
5	Teleconsultation	Get coverage for teleconsultation with a top medical practitioner
6	Doctor Prescribed Investigation	Covers all the expenses incurred due to the doctor's prescription investigation

What Are the Benefits of Accident Prime?

The benefits of Accident Prime Car Insurance Add-On include in-clinic doctor consultation, prescribed diagnostics and more.

Here are nine key benefits of the Accident Prime add-on insurance plan:

Complete Passenger Coverage

The Accident Prime add-on plan covers medical and accidental outpatient costs for everyone in the car. It includes the driver and passengers upto the vehicle’s seating capacity limit.

In-Clinic Doctor Consultation

The Accident Prime Add-On for Car Insurance provides a cashless in-clinic doctor consultation without needing you to take hospital admission, thus letting you get expert treatment.

Prescribed Diagnostics

In our Accident Prime cover plan, we cover the doctor-prescribed investigations. Moreover, this includes essential pathology and radiology tests. This ensures you can accurately diagnose injuries.

Digital Health Vault

You can securely store and access your medical prescriptions, diagnostic reports and digital health records in the centralised online location. Making it more convenient for you.

Flexible Wallet Limits

Choose a customisable Master Wallet coverage limit of ₹30,000, ₹50,000, or ₹1,00,000. This limit is based on specific travel needs and budget.

Nutritional Consulting

Covers Dietician’s or Nutritionist’s consultation charges listed on digital platform incurred for admissible post accidental Injury suffered whilst travelling in the Insured Vehicle.

Eligibility Criteria for Accident Prime Add-On (Private Car)

The eligibility criteria for Accident Prime Add-On include:

Eligibility Criteria	Specifications
Policy Requirement	You need to have a valid comprehensive car insurance policy
Active Coverage Period	The add-on needs to be purchased concurrently with the inception of the base policy or at the time of policy renewal.
Occupant Limits	Coverage applies to the owner-driver and all passengers up to the permissible seating capacity.
Age Limits	The driver needs to have a valid driving license.

Why Buy Motor Insurance from Bajaj General?

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Comprehensive Coverage

Get full protection for your vehicle and peace of mind.

7200+ Cashless Garages

Repair your vehicle hassle-free at network garages.

Quick & Hassle-Free Claims

Fast claim settlements with a seamless process

Digital Policy Issuance

Get instant policy issuance with zero paperwork

Drive Safely

4.6 lacs+ road accidents reported (Ministry of Road Transport & Highways)

Avoid Legal Fines

Motor Vehicles Act, mandates Third Party Liability Cover for vehicles

Unfortunate Accident

File your claim immediately to ensure swift processing

Step-by-Step Guide

How to Buy Accident Prime Add-On Online?

How To Buy

1

Download the Bajaj General App from App stores or click "Get Quote"
2

Register or log in to your account.
3

Enter your car details
4

You will be redirected to the Car Insurance Page.
5

Ensure to check your No Claim Discount
6

Choose right Insured Declared Value (IDV) that reflects your car value
7

Evaluate Covers, Add Ons, Optional Covers and Exclusions
8

Select a plan from the recommended options, or customize your own plan
9

Review the premium and other coverage details
10

Proceed with the payment using your preferred method
11

Receive confirmation of your purchased policy via email and SMS

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How To Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Download our Bajaj General App on Android or iOS
2

Register or login to use Motor On the spot claim for a smooth process
3

Enter your policy and accident details (location, date, time)
4

Save and click Register to file your claim
5

Receive an SMS with your claim registration number
6

Fill in the digital claim form and submit NEFT details
7

Upload photos of damaged parts as instructed
8

Upload your RC and driving license
9

Receive an SMS with the proposed claim amount
10

Use the SMS link to agree/disagree with the claim amount
11

Agree to receive the amount in your bank account
12

Track your claim status using the Bajaj General App

Claim Now

Know More

1

For any further queries, please reach out to us
2

Toll Free : For Sales :1800-209-0144
3

Email ID: careforyou@bajajgeneral.com

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FAQ's

What is Accident Prime?

Accident Prime is an add-on for your motor insurance that provides accidental OPD (outpatient department) benefits for injuries sustained during a car accident. It covers medical expenses for both the driver and passengers up to the permissible seating capacity of your vehicle.

What wallet limit options are available?

Accident Prime offers flexible wallet limit options ranging from ₹30,000 to ₹1,00,000 these wallets define the maximum coverage amount for all claims in a policy year. You can choose the coverage amount that best suits your needs and budget when purchasing the policy.

Does Accident Prime cover all passengers in my car?

Yes, Accident Prime covers both the driver and all passengers up to the permissible seating capacity of your vehicle as per the vehicle's registration certificate.

Can I access teleconsultation services through Accident Prime?

Yes, Accident Prime provides teleconsultation benefits through the Bajaj General App, allowing you to consult medical practitioners via video, audio, or chat for accident-related injuries.

What medical expenses are covered under Accident Prime?

Accident Prime covers in-clinic doctor consultations (general practitioners, specialists, and super-specialists), teleconsultations, doctor-prescribed investigations (radiology and pathology), and diet/nutritional consultations at network hospitals and through the Bajaj General App.

2. Are Expenses for Injury due to vehicle accident covered in normal vehicle insurance policy?

No, Accident Prime only covers injuries caused by accidents involving your insured private car.

Does the policy cover pre-existing medical conditions?

Accident Prime specifically covers injuries sustained during a car accident. It does not cover treatment for pre-existing medical conditions or any medical/surgical treatments.

Are third-party injuries covered under Accident Prime?

No, Accident Prime does not cover third-party injuries or damages. It only covers medical expenses for the driver and passengers inside your insured vehicle.

What is the Digital Health Vault feature?

The Digital Health Vault is a secure online storage system provided under Accident Prime that allows you to save and access your health documents digitally in a protected manner.

How do I file a claim under Accident Prime?

After receiving treatment at a network hospital or through teleconsultation, you can file a claim by submitting the required medical documents, bills, and accident details through our claim portal or Bajaj General App.

Can I get treatment at any hospital?

For reimbursement, you should preferably visit network hospitals and labs. Treatment at non-network facilities may not be covered.

What documents are required for claim settlement?

Typically, you'll need to submit medical bills, prescription copies, diagnostic test reports, accident details (FIR or police report if applicable), and the claim form. Your insurer will provide a complete list of required documents.

Are self-inflicted injuries covered?

No, intentional self-harm, self-inflicted injuries, and injuries caused by the use of intoxicating substances are explicitly excluded.

Will claims for substance abuse treatment be accepted?

No, treatment related to alcoholism, drug abuse, or any addictive condition will not be covered.

Can I renew Accident Prime separately from my motor insurance?

No, Accident Prime is an add-on coverage to your motor insurance policy. It must be renewed along with your base motor insurance policy.

Will my premium increase after making a claim under this policy ?

No, there will not be any increase in your premium on renewal if a claim is made under this add-on.

Can I change my wallet limit during renewal?

Yes, during renewal, you can typically upgrade your wallet limit based on your changing needs and budget

What happens if I don't renew my Accident Prime on time?

If you don't renew on time, your coverage will lapse along with your motor insurance policy. You'll lose the medical coverage benefits, and any accidents occurring during the lapsed period will not be covered.

Can I add Accident Prime during mid-term of my motor insurance policy?

No, add-on covers like Accident Prime are added at the time of motor policy purchase or renewal with Bajaj General Insurance Company. However, some insurers may allow mid-term additions. Contact your insurer to check if this option is available for your policy.