Personal Accident Insurance: Premium Personal Guard Policy

Personal Accident Insurance: Premium Personal Guard Policy

WHY CHOOSE BAJAJ ALLIANZ PREMIUM PERSONAL GUARD?

A robust health insurance policy is not a privilege, it is a must-have. Life is unpredictable and nobody knows what tomorrow will bring. However, we can always stay prepared for the unforeseen future and secure ourselves from the financial burden that unfortunate events bring. So, it s only wise to opt for a policy that covers and protects you and your loved ones from financial losses caused by any mishaps or accidents.
Bajaj Allianz Premium Personal Guard is a personal accident health insurance policy that provides comprehensive cover against accidents and supports you in your hour of crisis. Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers high sum assured options ranging from Rs 10 lakh to Rs 25 lakh.

WE OFFER A WHOLE LOT WHEN IT COMES TO PREMIUM PERSONAL GUARD

KEY FEATURES

This plan will leave you relaxed and stress-free because of the cover it provides from various adverse conditions. Here s how it will make your life simple after a mishap:

Extensive cover
Permanent total disability (PTD): In case of PTD due to an accident, you will be eligible for a payout of 200% of the sum insured.

Family cover:
This policy covers you, your spouse and children in case of accidental injury or death.

Comprehensive accidental cover:
This plan covers you from bodily injury, disability or death caused due to an accident.

Hospital confinement allowance:
You are eligible to receive a benefit of Rs 1,000 to Rs 2,500 per day, for a maximum period of 30 days, when you are hospitalized.

Children education benefit:
In case of death or PTD, you will receive Rs 5,000 (per child) towards the cost of education of up to 2 dependent children (under 19 years on the day of your accident).

Cumulative bonus:
Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year, up to 50% of the sum insured in case of hospitalization.

Enhanced sum insured
You can modify your sum insured when you renew your policy.

THAT NOT ALL, HERE ARE THE ADDITIONAL BENEFITS WITH YOUR PREMIUM PERSONAL GUARD

all-In-One Insurance That Covers Death, Disability And Injury Caused Due To Accidents And Offers Various Benefits:

Multiple Sum Insured
Sum insured options ranging between Rs 10 lakh and Rs 25 lakh.

Hassle-free claim settlement
Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless facility at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalization or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Renewability
You can renew your Premium Personal Guard policy for your entire lifetime.

IMPORTANT POINTS TO NOTE BEFORE BUYING PREMIUM PERSONAL GUARD

Inclusion

Family Cover:
Family cover including Self, spouse and children.

Comprehensive Accidental Cover:
Cover you against bodily injured disability, or death caused due to an accident.

Hospital Confinement Allowance: Receive a per day cash benefit for a maximum of 30 days, in case of hospitalization due to an accident.

Children Education Benefits: Receive 5000 to the cost of accident up to 2 dependent children, in case of death or permanent total disability.

Exclusion

1. Accidental bodily insurance as a result of suicide, attempted suicide, and self infected injury or illness

2. Accidental injury/death under the influence of liquor or drugs

3. Accidental injury caused as a result of comfiting any breach of law with criminal intent.

4. Accidental injury/death as a result of engaging in aviation or ballooning, while mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.

5. Accidental injury as a result of participating as the driver, co-driver, of a motor vehicle during motor racing or trial runs.

6. All curative treatment that you carry out or have carried out on your body.

7. Participation in any naval, military or air force operations whether in the form of military exercises maintained without a break or war games or actual engagement with the enemy, whether foreign or domestic.

8. Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public or local authority.

9. HIV/and or any HIV related illness including AIDS or mutant derivative thereof however caused.

10. Pregnancy, abortion, miscarriage, or complications arising out of any of these.

11.Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.

12.Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies...

13.Treatment arising due to nuclear energy, radiation.