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Bajaj Allianz Personal Guard-Basic Plan (Personal Accident Cover)

Will be updated soon.
Entry Age (years) 
Minimum18; 5 for Children
Maximum Policy Renewal Age (years)65
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum100 times of monthly income subject to maximum of Rs 25 lakh
Policy Term (years)1
Tax BenefitNot Available
DiscountFamily discount of 10% is applicable
No Claim Bonus5% increase in Sum Insured for every claim free year to a maximum of 50% of initial Sum Insured. If a cumulative bonus has been applied and a claim is made, then in the
subsequent Policy Year the cumulative bonus will automatically be reduced by 10%
Grace Period for Policy Renewal30 days
Policy TerminationInsurance company may terminate the policy by giving a written notice of 7 days. Policyholder is also allowed to terminate the policy by giving a 7 days written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service 
AddressBajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to[email protected]
Call to1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858
Additions to the Plan
Scope of Cover
Cashless FacilityNot Available
Accidental DeathCovered; pays 100% of Sum Insured if death takes place within 12 months of accident
Transportation of Mortal Remains2% of Sum insured or Rs 5000 whichever is lower
Hospital CashCovered; Rs 1000 per day upto maximum of 30 days
Medical ExpensesCovered; Reimbursement upto 40% of valid claim amount or Rs 5 lakh, whichever is lower
Children's Education Bonus allowed in case of death or permanent total disablement; Rs 5000/- for a child or Rs. 10,000/- maximum for 2 children below the age of 19 or 10% of capital sum insured, whichever is less
Exclusions and Waiting Period
General ExclusionsPre existing condition or any complication arising from the sameAIDS and HIV or other related diseasesWar, participation in any criminal activity or any other related condition
Premium per Rs 1000 Sum Insured
Risk Class*IIIIII
Premium Rate (in %)0.450.60.9
Medical Expenses25% of above premium25% of above premium25% of above premium
Hospital ConfinementRs. 300 per personRs. 300 per personRs. 300 per person
Premiums depend upon nature of occupation and level of risk involved. . Premiums are exclusive of service tax.
*Various Risk ClassesRisk Class I : Administrative/managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations.Risk Class II : Manual labour, garage mechanic, machine operator, paid driver, (car / truck / heavy vehicles) cash carrying employee, builder, contractor, veterinary doctor and similar occupationsRisk Class III: Workers in underground mines, electric installations with high tension supply. Jockey, circus performers, big game hunters, mountaineers, professional river rafters and similar occupations.