త్వరిత అవలోకనం:
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ప్రాముఖ్యత:
- Unlike traditional insurance policies, this type of policy is specifically designed to cover risks incurred due to accidental events.
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Why Choose Bajaj:
- The policy provides a lump-sum benefit if accidental death or an eligible disability occurs within 12 months of the accident, so the policyholder get covered for treatment and related charges.
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ప్రీమియం రేట్లు:
- The premium for this policy is competitively priced, considering the high sum insured and comprehensive coverage it offers.
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కవరేజ్ వివరాలు:
- Personal Guard Insurance protects against accidental death, permanent partial disability, permanent total disability and temporary total disability.
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ప్రయోజనాలు:
- A wide range of sum insured between ₹10 lakh and ₹25 lakh, availability of 10% cumulative bonus and comprehensive coverage at an affordable premium make it beneficial.
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అర్హత:
- Applicants and their spouses aged between 18 and 65 years are eligible for this plan. For dependent children, the age eligibility is 5 years to 21 years.
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క్లెయిమ్ విధానం:
- To make a claim under the Premium Personal Guard insurance, you need to submit all the required documents. Upon approval, the claim will be paid.
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Who Should Buy:
- Regular commuters, individuals with hazardous jobs, expatriates and non-resident Indians, families with dependents and business travellers can buy.
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Exclusions: Intoxication, self-inflicted injuries, pre-existing health conditions, pregnancy, childbirth and war-related perils are not included in the policy.
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Factors Impacting Premium:
- Severity of disability, policyholder’s age, and sum insured amount impact the policy premium.
