Bajaj Allianz General Insurance - Global Personal Guard Policy starting at Rs. 3,197*
Key Features
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits of this policy
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Cashless claims facility
Avail of cashless treatment facilities across a wide network of 7,000+ Bajaj Allianz cashless hospitals and get costly medical procedures done without having to pay in cash.
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Choose from three base covers
You can opt for accidental death, permanent partial, or total disability coverage. The applicant has to avail of at least one cover mandatorily.
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Covers loss of income due to disability
This is one of the 12 optional covers that offers 25% of the monthly income for a maximum of 100 weeks if the insured suffers a loss of income due to disability caused by an accident.
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Accidental death cover
Covers the insured’s accidental death within 12 months from the date of the accident. The nominee will receive an additional payment of 1% of the sum insured for transporting the mortal remains.
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Permanent total disability cover
Covers permanent total disability caused within 12 months from the accident date. Get an additional payment of 2% of the sum insured for lifestyle modification such as place or vehicle modification.
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Permanent partial disability cover
Covers permanent partial disability within 12 months of the accident. Check the percentage of the sum insured grid in the policy brochure.
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12 optional covers
These include adventure sports benefit, EMI payment cover, loan protector cover, among others.
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Pre-hospitalisation expenses
Covers medical expenses under accidental hospitalisation expenses for up to 60 days before hospitalisation.
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Post-hospitalisation expenses
Covers medical expenses under accidental hospitalisation expenses for up to 90 days after hospitalisation.
Eligibility criteria and documents required
Any existing Bajaj Finance customer can apply for Bajaj Allianz Global Personal Guard policy as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process.
Eligibility criterian
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age (adults): 18-70 years
- Age (dependent children): 90 days to 25 years
Documents required
- Date of birth as per PAN Card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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Step 1
Click on ‘Get Quote’ to open our online application form.
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Step 2
Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 5
Choose Bajaj Allianz Global Personal Guard plan from the list of health insurance policies shown by clicking on ‘Buy Now’.
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Step 6
Your personal details, based on our records, will be pre-filled. All you need to do is check if the details are correct and click ‘Next’.
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Step 7
Enter your address and nominee details.
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit or credit card to buy the policy.
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After successful payment, your policy document will be available for you to download. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
Alternatively, you can also access your policy details through the 'My Account' section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the Bajaj Allianz Global Personal Guard plan.
| Policy details | Description |
|---|---|
| Policy type | Individual/family floater (For the customers of Bajaj Finance Ltd) |
| Starting premium (in Rs.) | 3,197* |
| Sum insured (in Rs.) | 50 lakh to 1 crore |
| Policy term | One, two, and three years |
| Renewal | Lifetime renewable |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the Bajaj Allianz Global Personal Guard Policy:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| In-patient hospitalisation cover | Specialist doctor’s fees, anesthesia charges and diagnostic tests |
| Pre- and post-hospitalisation cover | Covers medical costs incurred due to an illness or injury for up to 60 days before and 90 days after hospitalisation |
| Disability coverage | Covers permanent total and permanent partial disability caused within 12 months from the accident date |
| Accidental death cover | Covers the insured’s accidental death within 12 months from the date of the accident | The nominee will receive an additional payment of 1% of the sum insured for transporting the mortal remains |
| Adventure sports benefit (Optional cover) | Covers accidental death or permanent total disability suffered during adventure sports like sky sports, mountain sports, water sports, and racing sports |
| Coma cover (Optional cover) | Covers the insured if he/she goes into coma state due to accidental injury within one month from the accident date |
| EMI payment cover (Optional cover) | Pays away the active EMI for 3 months from the accident date if the insured suffers a permanent partial disability, and is unable to go to work/employment place |
| Hospital cash benefit (Optional cover) | Get a daily benefit amount up to 60 days in case of hospitalisation after the accident |
| Travel expense benefit (Optional cover) | Covers the travel expenses of a family member for out-of-station hospitalisation |
| Loan protect cover (Optional cover) | Receive an amount corresponding to the outstanding balance amount of your loan specified in the policy in case of insured’s accidental death or permanent total disability |
| Children’s education benefit (Optional cover) | Offers one-time payment against education of the dependent children below 25 years of age in case of the insured’s demise or permanent total disability due to an accident |
| Key exclusions | Description |
|---|---|
| Dental procedures | Dentures, cosmetic surgeries or artificial teeth, except for orthopaedic treatments |
| Plastic surgeries | Plastic surgeries except surgeries necessary for treatment of cancer, burns or accidents |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.
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Step 1 - Locate a network hospital near you
The cashless claim facility is available at 7,000+ network hospitals. Visit one of these for a stress-free experience. Click here to find a network hospital near you.
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Step 2 - Verify patient’s identity
Share the patient’s policy number and show your Bajaj Allianz cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital.
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Step 3 - Submit the pre-authorisation form
Fill out and submit the pre-authorisation form at the hospital. The hospital will send this form to the Bajaj Allianz – Health Administration Team (HAT).
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Step 4 - Claim verification
Once the verification is complete, the insurer will give the final confirmation within one working day and settle the claim directly with the hospital. The claim will be processed per the policy's terms and conditions.
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Step 5 - Claim settlement
In case of any queries, Bajaj Allianz team will contact the healthcare provider for additional information. Upon receiving all the required documents like discharge summary, bills and prescriptions on the day of discharge, the insurer will send an authorisation letter within 7 working days.
After all the formalities are cleared, your bills will be settled directly with the hospital.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with Bajaj Allianz General Insurance, follow these steps.
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Step 1 – File your reimbursement claim
Fill the reimbursement claim form online on the Bajaj Allianz website by entering your health ID card number. You need to file the claim form within 30 days after getting discharged from the hospital.
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Step 2 - Submit necessary documents
Collect and submit the necessary documents for claim settlement, such as claim form, hospital discharge summary, bills and prescriptions to the Bajaj Allianz – Health Administration Team (HAT).
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Step 3 - Claim verification and settlement
Once the verification is complete, the insurer will give the final confirmation. The claim will be processed as per the terms and conditions of the policy.
In case of any queries, Bajaj Allianz team will contact you for additional information. Upon receiving all the required documents, the insurer will settle your claim within 10 working days.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with Bajaj Allianz General Insurance.
- Duly signed claim
form and NEFT details
- Bank details
- Hospital and pharmacy bills, along with the prescription, receipts with a revenue stamp
- Original laboratory and
diagnostic test reports
- Claim settlement letter
from any other insurer in case of partial settlement
- Copies of Aadhaar
card and PAN card
- Post-mortem report, if applicable
Frequently asked questions
Bajaj Allianz Global Guard Policy is a global insurance policy that provides coverage in case of death, permanent total/partial disability, or injury due to accidents. It offers three base covers; accidental death, permanent partial disability and permanent total disability, and 12 optional covers, including loan protector cover, EMI payment cover, and adventure sports benefit.
Yes, this policy comes with 12 optional covers, including accidental hospitalisation expenses, air ambulance cover, children education benefit, coma cover, EMI payment cover, fracture cover, loan protector cover, among others.
You can buy this policy for one, two or three years based on your choice at the time of purchase. This comes with a lifetime renewability option.
Accidental hospitalisation covers in-patient treatment and medical expenses due to hospitalisation for a minimum of 24 hours because of an accidental injury.
