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

Bajaj General Personal Guard Policy provides two sections under the policy, base cover & optional cover. There are three sections in the base covers, namely - Death Cover, Permanent Total Disability Cover, and Permanent Partial Disability Cover. Additionally, 12 optional covers are also available to customers.

Why Do We Recommend This?
  • Accidental Hospitalization Expenses
  • Air Ambulance Cover
  • Loss of Income due to Disability from Accident

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

A quick look at what this plan covers — and what it doesn't.

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.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 70 Years

Frequently Asked Questions

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

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