Bajaj General Premium Personal Guard Plan
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Premium Personal Guard

Premium Personal Guard Policy supports you in the hour of crisis and h ...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

Premium Personal Guard Policy supports you in the hour of crisis and helps you to sustain unforeseen risks. This policy provides security for the future and ensures complete peace of mind for you and your family. 

Why Do We Recommend This?
  • High sum insured up to INR 25 Lakhs
  • Lifetime renewal 
  • Annual Policy

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
No
Renewability
Lifetime
Policy term
1 Year

*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

  • In-house claim settlement team
  • Multiple sum insured options
  • Lifelong renewability

Cons

  • Does not cover self-inflicted injury
  • No AIDS cover
  • Organ donation not covered

What's covered

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

Hospitalization

  • Room rent Not 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 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 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 Applicable
  • Sub-limits Applicable
  • 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 10 most-asked questions about Premium Personal Guard, answered.

You can change your plan at the time of renewals.
If you meet with an accidental injury on any body part that may result in a claim, then at that time you or someone who is claiming on your behalf should inform the insurer in written form immediately within 30 days.
You can call the Bajaj Allianz Toll-free number - 1800-209-0144/ 1800-209-5858 directly. And for more information about our plan visit the company’s website.
As per IRDAI guidelines regarding portability conditions, if you are insured under any other personal accident policy of a Non-life insurance company, then you can transfer to a personal accident policy along with all your accrued benefits.
This policy is provided to Risk 1 group. Risk 1 group involves managing function, administrative, doctors, lawyers, accountants, teachers, architects, and having a similar occupation.
Yes, you can cover yourself, your spouse, and your dependent children under Bajaj Allianz Premium Personal Guard Policy.
Yes, Premium Personal Guard offers daily hospital cash based on the SI up to INR 2500.
No, this plan does not cover the insured against critical illnesses.
No, Pre-existing diseases are not covered under this policy. However, it is the best plan for people who want to safeguard themselves and their families against Accidents and Death.
Yes, Bajaj Allianz Premium Personal Guard offers you a child education bonus in case of permanent total disability.

Conclusion

Premium Personal Guard is a comprehensive accident insurance plan that provides financial protection

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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: 19 May 2026 · Originally published: 14 Oct 2024

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