Bajaj General Global Personal Guard: Online Reviews and Policy Benefits
Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Personal Guard

Bajaj General Personal Guard Policy provides two sections under the po ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
99.23% claim settlement

About Bajaj General Personal Guard

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Global Personal Guard Policy by Bajaj General is an individual and family floater global accident insurance policy that covers you against death, permanent total disability, and permanent partial disability. Additionally, the Global Personal Guard Policy offers 12 optional covers that insured individuals may opt for on additional premium payments. Below are the optional covers available with Bajaj General Global Personal Guard:

  • Accidental Hospitalization Expenses
  • Adventure Sports Benefit
  • Air Ambulance Cover
  • Children Education Benefit
  • Coma Due to Accidental Bodily Injury
  • EMI Payment Cover
  • Fracture Care
  • Hospital Cash Benefit
  • Loan Protector Cover
  • Loss Of Income due to Disability from Accident
  • Road Ambulance Cover
  • Travel Expense Benefit

Individuals can avail of this plan globally, outside of India's geographical boundaries as it offers medical care internationally.

 

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 70 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹25 L, ₹50 L, ₹1 L, ₹5 L, ₹15 L, ₹25 L
Renewability
Lifetime
Policy term
1 | 2 | 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Death Cover
  • EMI Payment Cover
  • Hospital Cash Benefit

Cons

  • Intentional self-injury
  •  AIDS
  •  Miscarriage
  • and abortion

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Bajaj Health Insurance

Bajaj Health Insurance

This video explains Bajaj Health Insurance in detail.

Bajaj General Global Personal Guard Benefits

There are a plethora of benefits that insurance holders can avail of under the Personal Guard Policy by Bajaj General. We have mentioned a few of them below:

  • Wide Scope of Coverage

    With this plan, insured individuals are assured of coverage against death, permanent partial and permanent total disability along with other optional coverage options that can be opted as per their needs and requirements.

  • Adventure Sports Benefit

    Adventure Sports benefit is an optional cover under the Bajaj General Global Personal Guard Plan wherein it is extended subject to death and/or permanent total disability is opted for under the base cover. The sum insured for this cover will be limited to 25%, 50%, and 100% of the sum insured to a maximum of INR 1 Crore.

  • Tax Benefits

    All premiums paid towards the Global Personal Guard by Bajaj General are eligible for tax benefits under section 80D as per the Income Tax Act of 1961.

  • Multiple Tax Benefits

    There are various tax benefits available under the Global Personal Guard Policy by Bajaj General such as a 10% family discount on covering 2 or more family members, up to 8% Long term policy discount for opting for a 3-year policy term, a 20% employee discount, and a 10% online discount.

  • Cumulative Bonus

    Bajaj General Personal Guard Policy offers a 10% no-claim bonus for every claim-free year for a maximum of 50% of the Sum Insured.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Bajaj General Global Personal Guard Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 70 Years

Other features & benefits

  • Accidental Hospitalization
  • Expenses Air Ambulance Cover
  • Loss of Income due to Disability from Accident

Bajaj General Global Personal Guard: FAQs

The 4 most-asked questions about Bajaj General Personal Guard, answered.

There are three sections in the base covers, namely - Death Cover, Permanent Total Disability Cover, and Permanent Partial Disability Cover
The minimum entry age is 18 years and the maximum entry age is 70 years.
Some optional covers under the Bajaj Global Personal Guard policy include Accidental Hospitalization Expenses, Adventure Sports Benefit, Air Ambulance Cover, Children Education Benefit, Coma Due to Accidental Bodily Injury, EMI Payment Cover, Fracture Care, Hospital Cash Benefit. Loan Protector Cover, etc.
All premiums paid towards the Global Personal Guard by Bajaj General are eligible for tax benefits as per the Income Tax Act of 1961.

Conclusion

Bajaj General Global Personal Guard is a versatile health insurance plan that offers protection to i

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,685 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free