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விபத்து காப்பீடு
குளோபல் பர்சனல் கார்டு பாலிசி
முக்கிய அம்சங்கள்
One Policy, A World of Protection
Coverage Highlights
Get comprehensive protection for life's unexpected moments
உலகளாவிய கவரேஜ்
Global coverage for death, permanent disability, injury from an adventure sports accident, coma due to accidental bodily injury and more
Design your own plan
Choose from host of base & optional covers
Assured Payout
Acts as a financial cushion by paying a lumpsum amount in case of death/ disability to protect you or your dependents from hardships of life
Financial Peace of Mind
Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability
Cover Types
Offers financial protection by covering Accidental Death, Disabilities, Medical Expenses, and other related costs due to accidents
EMI Coverage for Life's Twists
Covers EMI payments if the policyholder is unable to work due to a disability from an accident
உள்ளடக்கங்கள்
என்ன காப்பீடு செய்யப்படுகிறது?விபத்துசார்ந்த மரணம்
Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date
Permanent Total Disability (PTD) Cover
Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date
Permanent Partial Disability (PPD) Cover
Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date
Transportation of Mortal Remains Cover
Additional payment of up to 1% of Death Cover sum insured for expenses of transporting mortal remains
Funeral Expenses
Additional payment of 1% of Death Cover sum insured towards Funeral Expenses
Disappearance
Pays Death Cover sum insured if insured person is declared as disappeared as per terms & conditions
வாழ்க்கைமுறை மாற்றியமைப்பு நன்மை
Pays additional payment of 2% of PTD Cover sum insured towards modification of home or vehicle to help you adjust to new circumstances
விதிவிலக்குகள்
எவை உள்ளடங்காது?Self Inflicted Acts
Self-injury, illegal activities, hazardous activities and more
Intoxication
While under the influence of liquor or drugs , alcohol or other intoxicants
Participation in Hazardous Activities
While engaged in hazardous activity unless specifically insured
War & Related Perils
The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders
சாகச விளையாட்டு நன்மை
Whilst engaging in Adventure Sports unless specifically insured
Pre-Existing Conditions (PEDs)
Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded
கர்ப்பம் மற்றும் குழந்தை பிறப்பு
Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered
குறிப்பு
Please read policy wording for detailed exclusions
விருப்ப காப்பீடுகள்
What else you can get?சாகச விளையாட்டு காப்பீடு
Pays agreed amount in case of death & permanent disability caused while engaging in adventure sports in non-professional capacity under a trained professional's supervision
விமான ஆம்புலன்ஸ் காப்பீடு
Indemnifies for ememgency air ambulance evacuation expenses incurred to take you from the accident site to the nearest hospital
குழந்தைகள் கல்வி நன்மை
Pays agreed amount in case of death/ permanent disability to help cover dependent children's education costs
Coma Due to Accidental Bodily Injury
Pays agreed amount in case of accidental bodily injury causes you to be in a coma within one month from the date of the accident
இஎம்ஐ பணம்செலுத்தல் காப்பீடு
Covers your EMIs in case of accidental bodily injury resulting in permanent partial disability. Preventing you from working for at least one month
Fracture care cover
Covers accidental bodily injuries resulting in bone fractures within the policy period
மருத்துவமனை ரொக்க நன்மை
Pays a per day benefit amount for the period of hosppitalization subject to maximum of 60 days per policy period
லோன் புரொடக்டர் காப்பீடு
Get coverage for the outstanding loan amount (up to the sum insured) in case the policyholder passes away due to accidental injuries or incurs a permanent total disavbility within 12 months of the accident
விபத்திலிருந்து ஏற்பட்ட இயலாமை காரணமாக வருமான இழப்பு
Get weekly payments to help with miscellanious expenses in case the policyholder incurs post-accidental bodily injuries that temporarily prevents them from working
ரோடு ஆம்புலன்ஸ் காப்பீடு
Covers cost on an ambulance offered by a healthcare or ambulance service provider
பயண செலவுகள் நன்மை
Pays travel expenses for a family member to reach the place outside your homecity, if you are hospitalized in case of an accident
ஹெல்த் பிரைம் ரைடர்
Tele Consultation Cover,Doctor-Prescribed Investigations Cover – Pathology & Radiology Expenses, Doctor Consultation Cover (In Clinic), Annual Preventive Health Check -up Cover etc
குளோபல் பர்சனல் கார்டு பாலிசி என்றால் என்ன?
The Global Personal Guard Policy by Bajaj General Insurance Limited offers a comprehensive global accident insurance solution, providing coverage against accidental injuries, permanent disabilities, and accidental death on a worldwide scale. Life's unpredictability means accidents can happen anytime, anywhere, making this policy an invaluable asset for those looking to protect themselves and their loved ones. Unlike traditional accident coverage, this policy extends beyond national borders, ensuring financial security and support no matter where an accident occurs.
Key features of the global personal guard policy include coverage for accidental hospitalisation, adventure sports, air ambulance services, children’s education, and coma care. Additionally, the globe life and accident insurance offers financial protection for loss of income and covers various incidental expenses. With customisable coverage and flexible sum insured options reaching up to INR 25 crores, Global Personal Guard is designed to support policyholders through life's unexpected events, giving peace of mind to individuals and families alike.
Benefits You Deserve
விரிவான காப்பீடு
Offers protection through base and optional covers
ஒட்டுமொத்த போனஸ்
ஒவ்வொரு கோரல் இல்லாத ஆண்டிற்கும் காப்பீடு செய்யப்பட்ட தொகையில் 10% ஒட்டுமொத்த போனஸ் பெறுங்கள்
நெகிழ்வான காப்பீட்டுத் தொகை
Available for coverage options starting from INR 50,000 to INR 25 Crores
பாலிசி ஆவணங்களை பதிவிறக்கவும்
Get instant access to policy details with a single click
Why Should You Buy Bajaj General Policy ?
இப்போதே வாங்கவும்
Why Choose Bajaj General Global Personal Guard?
வாழ்க்கை நிச்சயமற்றது ; எவரையும், எப்போது வேண்டுமானாலும் விபத்துக்கள் பாதிக்கலாம். கூடுதலாக, வீட்டில் சம்பாதிக்கக்கூடிய முதன்மை நபருக்கு விபத்து காரணமாக இறப்பு அல்லது இயலாமை ஏற்பட்டால் குடும்பத்திற்கு கடுமையான நிதி பிரச்சனைகள் உருவாகலாம் மற்றும் அந்த சூழ்நிலைக்கு பிறகு உங்களால் குடும்பத்தை கையாள முடியாது.
Bajaj General Insurance has a special health insurance plan to save you from such financial stress and to help you in your time of need, anytime and anywhere in the world.
Our Global Personal Guard provides extensive worldwide coverage against death, total permanent disability or partial permanent disability and any other injuries caused due to an accident. This health insurance plan also comes in handy against accidents while travelling abroad as it provides a global coverage.
குளோபல் பர்சனல் கார்டுக்கான தகுதி வரம்பு
அளவுகோல் | விவரங்கள் |
முன்மொழிபவருக்கான நுழைவு வயது | 18 முதல் 70 வயது வரை |
சார்ந்திருக்கும் குழந்தைகளுக்கான நுழைவு வயது | 3 மாதங்கள் முதல் 25 வயது வரை |
காப்பீடு செய்யப்படும் சார்ந்திருக்கும் நபர்கள் | சுய, மனைவி, சார்ந்த குழந்தைகள் மற்றும் சார்ந்திருக்கும் பெற்றோர்களை பாலிசியில் சேர்க்கலாம். |
தொழில்-அடிப்படையிலான ஆபத்து வகுப்புகள் | இடர் வகுப்புகள் பணியின் அடிப்படையில் பிரீமியம் விகிதங்களை நிர்ணயிக்கின்றன, இதில் நிர்வாகப் பொறுப்பு (குறைந்த ஆபத்து) முதல் அதிக ஆபத்துள்ள தொழில்கள் (எ.கா. எலக்ட்ரீஷியன்கள்). |
காப்பீட்டுத் தொகை தகுதி | இறப்புக்கான மாதாந்திர வருமானத்திற்கு 100 மடங்கு வரை மற்றும் மொத்த இயலாமைக்கு 60 முறைகள் வரை காப்பீடு செய்யப்பட்ட தொகை விருப்பங்கள், அதிகபட்ச காப்பீடு ரூ 25 கோடி வரை |
சார்ந்திருக்கும் காப்பீட்டு வரம்புகள் | சார்ந்திருக்கும் குழந்தைகளுக்கான காப்பீடு 25% வரை மற்றும் முன்மொழிபவரின் காப்பீட்டுத் தொகையில் 50% வரை மனைவி/பெற்றோருக்கு. |
உலகளாவிய விபத்துக் காப்பீடு மற்றும் தனிநபர் மருத்துவக் காப்பீடு இடையேயான வேறுபாடு
அளவுகோல் | உலகளாவிய விபத்துக் காப்பீடு (குளோபல் பர்சனல் கார்டு) | தனிநபர் மருத்துவக் காப்பீடு |
காப்பீட்டு நோக்கம் | விபத்து காயங்கள், இறப்பு மற்றும் இயலாமைக்கு உலகளவில் காப்பீடு வழங்குகிறது | பொதுவாக உள்நாட்டு அல்லது தேசிய காப்பீட்டிற்கு வரையறுக்கப்படுகிறது |
கோரல் வகைகள் | Covers accidental death, total/permanent disability, hospitalization due to accidents | Covers illness and health-related hospitalizations |
சாகச விளையாட்டு நன்மை | சாகச விளையாட்டுகள் போன்ற அதிக-ஆபத்து நடவடிக்கைகளுக்கான விருப்ப காப்பீடு | Usually not covered under standard health insurance plans |
வருமான பாதுகாப்பு | விபத்து தொடர்பான இயலாமை காரணமாக வருமான இழப்புக்கான இழப்பீட்டை வழங்குகிறது | Usually does not cover income loss |
விருப்ப காப்பீடுகள் கிடைக்கின்றன | குழந்தைகளின் கல்வி நன்மை, கோமா காப்பீடு மற்றும் இஎம்ஐ பணம்செலுத்தல் காப்பீடு போன்ற கூடுதல் விருப்பங்கள் | பாலிசி வகையின் அடிப்படையில் வரையறுக்கப்பட்ட ஆட்-ஆன்கள் |
காப்பீட்டுத் தொகை விருப்பங்கள் | ரூ 25 கோடி வரையிலான அதிக காப்பீட்டுடன் நெகிழ்வானது | பொதுவாக விபத்து காப்பீட்டை விட குறைவாக, பரவலாக மாறுபடும்
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Who should opt for Global Personal Guard Policy?
The Bajaj General Individual International Accident Insurance Cover is suitable for individuals who travel internationally frequently, either for leisure or business purposes. Here are the key categories of people who should consider opting for this insurance cover:
Regular Commuters
If you are someone who has to regularly commute for work or other purposes, this insurance can provide comprehensive coverage against accidental injuries or death while you are outside India.
Individuals with specific lifestyles
If your job or hobbies include activities with a more chance of accidents, like adventure sports, construction, or working in remote areas, this insurance can help cover costs if you get injured or disabled.
Expatriates and Non-Resident Indians (NRIs)
If you are an Indian citizen residing or working abroad, this insurance can serve as an additional layer of protection against accidents and accidental death while you are outside India.
Families with Dependents
If you have financial dependents, such as a spouse or children, this insurance can provide a lump sum benefit in case of accidental death or permanent total disability, ensuring financial security for your family.
Business Travelers
If you frequently travel abroad for business purposes, this insurance can provide coverage for accidental injuries, emergency medical expenses, and other related benefits while you are on official trips.
அடிக்கடி ஒன்றாக வாங்கப்பட்டது
அனைத்தையும் காண்பி
ஹெல்த் கம்பானியன்
Track, Manage & Thrive with Your All-In-One Health Companion
From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
படிப்படியான வழிகாட்டி
To help you navigate your insurance journey
எப்படி வாங்குவது
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1
Visit Bajaj General website
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2
தனிநபர் விவரங்களை உள்ளிடவும்
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3
மருத்துவக் காப்பீட்டு திட்டங்களை ஒப்பிடுங்கள்
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4
Select suitable coverage
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5
Check discounts & offers
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6
Add optional benefits
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7
Proceed to secure payment
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8
Receive instant policy confirmation
எப்படி புதுப்பிப்பது
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
எவ்வாறு கோருவது?
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1
Notify Bajaj General about the claim using app
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2
Submit all the required documents
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3
Choose cashless or reimbursement mode for your claim
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4
Avail treatment and share required bills
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5
Receive claim settlement after approval
எப்படி போர்ட் செய்வது
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1
Check eligibility for porting
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2
Compare new policy benefits
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3
Apply before your current policy expires
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4
Provide details of your existing policy
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5
Undergo risk assessment by Bajaj General
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Receive approval from Bajaj General
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7
Pay the premium for your new policy
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8
Receive policy documents & coverage details
விரைவு இணைப்புகள்
Diverse more policies for different needs
இன்சூரன்ஸ் சம்ஜோ
தீவிர நோய் காப்பீடு
Health Claim by Direct Click
தனிநபர் விபத்து பாலிசி
குளோபல் பர்சனல் கார்டு பாலிசி
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 சாலையோர/ஸ்பாட் உதவி
.webp)
Caringly Yours (Motor Insurance)
பயணக் காப்பீடு கோரல்
ரொக்கமில்லா கோரல்
24x7 Missed Facility
பயணக் காப்பீட்டு கோரலை தாக்கல் செய்தல்
My Home–All Risk Policy
வீட்டு காப்பீட்டு கோரல் செயல்முறை
வீட்டுக் காப்பீடு பற்றி
வீட்டுக் காப்பீடு
Explore our articles
அனைத்தையும் காண்பி
Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
எங்கள் வாடிக்கையாளர்கள் என்ன சொல்கிறார்கள்
Highly satisfied
Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.
Piyush Kumar
மும்பை
17th Mar 2025
Highly recommend!
Managing my health, vehicle & cyber insurance is so simple with this app. Highly recommend!
Pooja Kaushik
வதோதரா
2nd Feb 2025
Simple, fast & effective!
A reliable health insurance app with all features in one place—simple, fast & effective!
Hrithik Mishra
டெல்லி
31st Jan 2025
Love this app!
Managing my family’s health insurance has never been this convenient. Love this app!
Shagun Gupta
மும்பை
31st Jan 2025
Reliable & affordable
Reliable & affordable medical insurance plan—gives complete health security for my family.
Shubham Singh
டெல்லி
30th Jan 2025
Financial convenience
Medical crises are stressful, but financial convenience is guaranteed by this health plan
Pushpendra Gurjar
மும்பை
30th Jan 2025
Great coverage options too!
Finding pregnancy health insurance was stress-free on Bajaj General app. Great coverage options too!
Rajesh Kumar
மும்பை
24th Jan 2025
User-friendly and efficient!
Securing my family's health with Bajaj General has been hassle-free. Their app is user-friendly and efficient!
Gautam Mongia
டெல்லி
24th Jan 2025
FAQ-கள்
Is a medical examination mandatory for this policy?
A medical examination is not always mandatory for the Global Personal Guard Policy. It may be required if the sum insured exceeds a certain limit or if the insurer needs additional health information. This ensures accurate risk assessment while offering reliable health care insurance coverage.
Can I avail tax benefits from Group Personal Guard Insurance?
No, employees cannot claim tax benefits as the premium is usually paid by the employer. However, employers can claim it as a business expense for tax deductions.
What factors determine the premium for Group Personal Guard Insurance?
The premium is calculated based on the number of employees, the nature of their work, their risk levels, and the coverage amount. Optional add-ons also affect the premium cost.
Do I need to pay a premium to avail the benefits of a Group Personal Accident?
No, the employer typically pays the premium, allowing employees to enjoy the benefits without any personal cost.
Do members of a Group Personal Guard Cover need a pre-policy medical tests?
No, pre-policy medical tests are not required since the plan only covers accidental injuries and related disabilities.
Can I claim tax benefits for paying premiums towards Group Personal Accident policy?
Only employers can claim tax benefits by treating the premium payment as a business expense under applicable tax laws.
What are the main exclusions of a Group Personal Guard Cover?
Exclusions generally include injuries from self-harm, drug or alcohol abuse, criminal acts, pre-existing conditions, and high-risk activities like adventure sports.
Will members of a Group Personal Guard Cover receive the sum insured ?
Yes, if an accident leads to permanent disability, the insured member is compensated as per the policy’s terms and conditions.
Does Group Personal Guard Insurance cover all types of injuries?
No, the policy only covers injuries caused by accidents. It does not cover natural causes, self-inflicted harm, or injuries from unlawful activities.
What are the Permanent Disability clauses in a Group Personal Guard policy?
The plan covers both total and partial permanent disabilities, including loss of sight, hearing, or limbs, with compensation based on the severity of the disability.
What compensation is payable under a Group Personal Accident Plan?
Compensation depends on the nature of the injury—ranging from partial payouts for minor disabilities to the full sum insured for total disability or accidental death.
Do I need to pay a higher premium to avail Group Personal Guard Covers?
The premium depends on factors like job risk and coverage level, but group plans generally provide comprehensive protection at a more affordable rate.
If someone dies of a stroke, will their family receive compensation?
No, strokes and other natural causes are not covered. The policy only compensates for deaths resulting from accidents.
What is the scope of coverage under a Group Personal Guard Cover?
The policy covers accidental death, permanent or partial disability, medical expenses, and additional benefits such as funeral costs and child education support.
Can I avail of policy benefits in case of a natural death?
No, Group Personal Guard Insurance only covers accidental death and does not provide compensation for natural causes.
I frequently travel for business and holidays. What if I meet with an accident abroad?
Group Personal Guard Insurance usually offers worldwide coverage, ensuring you are protected against accidental injuries, even during business trips or vacations.
Can I renew my Global Personal Accident policy online?
Yes, you can easily renew your Global Personal Guard Policy online through the Bajaj General portal. The process is simple, secure, and allows you to continue your accident and health care insurance protection without visiting a branch office.
Are there optional riders available with this policy?
Yes, the Global Personal Guard Policy offers multiple optional covers like adventure sports benefit, accidental hospitalization expenses, loan protector cover, hospital cash benefit. These riders provide added flexibility, making it more comprehensive than standard accident or health care insurance policies.
Is there a grace period for renewal?
Yes, a 30-day grace period is provided for renewing the Global Personal Guard Policy. During this time, the policy remains renewable to ensure continued protection. However, any accidents occurring in the break period will not be covered, as per the health insurance policy norms.
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