Bajaj General Personal Accident Policy: Benefits, Premium, Renewal Online
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Bajaj General Personal Accident Policy

Personal Accident Insurance Policy coverage is broadly divided into 3 ...Read More

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

About Bajaj General Personal Accident Policy

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

Bajaj General Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj General's Personal Accident Policy makes sure that your future isn’t affected by any unfortunate turn of events.

The accidental death or injury of a breadwinner can create serious financial problems for the family. Bajaj General Personal Accident Insurance policy ensures total security and peace of mind.

Bajaj General Accidental Insurance offers up to 3 years of policy coverage tenure with a sum insured of up to 25 Lakh INR. Bajaj General Personal Accident Insurance Policy coverage is broadly divided into 3 sections Basic, Wider, and Comprehensive, and is available with two add-on covers like medical expenses and Hospital confinement allowance.

Bajaj General Personal Accident health plan covers the insurer in case of Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.

Plan at a glance

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

Entry age
18 to 65 Years
Plan type
Accident Health Insurance
Sum insured options
₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 Days
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

  • High sum insured
  • Death cover
  • Disability cover

Cons

  • Hospitalization out of war/riot/strike NA
  •  Intentional self-injury

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

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not 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 Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

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

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under the Bajaj General Personal Accident 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 65 Years

Other features & benefits

  • Affordable premiums
  • Complete security

Bajaj General Personal Accident Policy: FAQs

The 2 most-asked questions about Bajaj General Personal Accident Policy, answered.

This policy offers cover for Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
Some of the exclusions are intentional self-injury, AIDS, miscarriage, and abortion, congenital disease, infertility and in vitro fertilization, etc.

Conclusion

A comprehensive personal accident plan that provides financial protection against accidental death a

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Written and reviewed by

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

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 14 Oct 2024

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