Bajaj General Personal Accident Policy: Benefits, Premium, Renewal Online
Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

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
🛡️ IRDAI Approved
4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
99.23% claim settlement

Personal Accident Insurance Policy coverage is broadly divided into 3 sections Basic, Wider, Comprehensive, and two add-on covers. A high sum insured is available of up to INR 25 L. 

Why Do We Recommend This?
  • High sum insured
  • Death cover
  • Disability cover

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

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

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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Frequently Asked Questions

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.

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