You're invited to try out the new version of Value Research Online. Click here to begin:

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

Entry Age (years)  
Minimum 18; 5 for Children
Maximum 65
Maximum Policy Renewal Age (years) 65
Coverage Type Individual
Sum Insured (Rs)  
Maximum 100 times of monthly income subject to maximum of Rs 25 lakh
Policy Term (years) 1
Tax Benefit Not Available
Discount Family discount of 10% is applicable
No Claim Bonus 5% 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 Renewal 30 days
Policy Termination Insurance 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, pro-rata percentage of premium will be refunded
Customer Service  
Address Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to [email protected]
Call to 1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858
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
Permanent Total Disablement125% of Sum Insured if insured becomes Permanent Totally Disable within 12 months of the accident
Permanent Partial Disablement Predefined percentage of Sum insured if insured becomes Permanent Partial Disable within 12 months from date of accident
HospitalisationRs 1000 per day upto maximum of 30 days
Medical ExpensesReimbursement 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 same.AIDS and or other related diseases.War, participation in any criminal activity or any other related condition.