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

About Premium Personal Guard

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

Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and ensuring complete peace of mind for you and your family.

Bajaj General Premium Personal Guard is a personal accident insurance plan that provides financial compensation to the policyholder in case of Permanent partial and Permanent total disability, temporary disability, and death or bodily injury that is caused due to an accident and covers all the medical expenses incurred on the treatment. Bajaj General Premium Personal Guard plan covers the insured against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs.

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

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

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

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Bajaj Allianz Premium Personal Guard Sample Premium

To better understand how much premium you need to pay under the Premium Personal Guard Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:

For 1 Adult

Sum Insured (Rs.) 10L 15L 20L 25L
Premium Payable 1300 2100 2875 3650

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 Premium Personal Guard Plus 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

  • High sum insured up to INR 25 Lakhs
  • Lifetime renewal
  •   Annual policy

Bajaj General Premium Personal Guard: FAQs

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: 7 Aug 2023 · Originally published: 14 Oct 2024

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