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Bajaj Allianz Global Personal Guard Health Insurance

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Bajaj Allianz Health Insurance
Global Personal Guard
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Global Personal Guard Health Insurance

Global personal Guard Policy protects you and your family when hardships strike in life. The policy comes with two sections, namely base cover and optional covers. Under base cover, the assignee or nominee gets the sum insured in case of misfortune event of death of the insured within 12 months from date of the accident which resulted in bodily injuries, cover for Permanent Total Disability if resulted due to an accident, and Permanent Partial Disability from 12 months from the date of the accident. Whereas in the other section, there are 12 optional covers such as adventure sports benefit, air ambulance cover, children education benefit, Coma Due to Accidental Bodily Injury, etc., which the insured can choose for added coverage, as per their requirement, by paying an extra premium at the time of policy purchase.

The age requirement to be the proposer for this plan is 18 years to 70, which is the same for spouse and dependent parents. But the dependent children, if added under this policy, should be aged between 3 months to 25 years. You can buy this policy for sum insured options between Rs. 2 Lakh and Rs. 25 Lakh for accidental hospitalisation expenses. Also, the policy comes with a free look period of 15 days. You can buy this policy for 1 year, 2 years, or 3 years as per your requirement. Under normal circumstances, the policy is renewed for a lifetime.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Death benefit if the insured dies within 12 months from date of accident
  • Cover for Permanent Total Disability if resulted due to an accident
  • Permanent Partial Disability from 12 months from the date of accident
  • Choice of 11 optional covers for added coverage is offered
  • Sum insured options between Rs. 2 Lakh and Rs. 25 Lakh for accidental hospitalisation

What's Not Included

  • Cover for mental or nervous disorders, anxiety, depression, stress, etc.
  • Claim due to intentional, unlawful, or criminal act, or participation in civil commotion, riot, etc.
  • When under the influence of drugs, liquor, or other intoxicants
  • Participation in adventure sports unless specifically insured
  • Claim arising due to intentional self-inflicted injury or illness is not covered

5639 Bajaj Allianz Cashless Network Hospitals in India

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Add-ons to Enhance Benefits

  • Accidental Hospitalization Expenses

    This add-on covers you for hospitalisation (at least 24 hours) arising due to an accidental injury during the policy period. The expenses include nursing, boarding, room rent expenses, ICU expenses, consultation fees, anaesthesia, blood, oxygen, surgical appliances, OT charges, medicine, drugs, diagnostic procedures, physiotherapy as recommended by a treating doctor, etc. Daycare procedures will be covered as well, including pre-hospitalisation and post-hospitalisation expenses.

  • Adventure Sports Benefit

    One can opt for adventure sports add-on cover if Death and/or Permanent Total Disability is selected as a part of base cover. If you buy this add-on cover by paying an additional premium, then you will receive a benefit amount in case of Death or Permanent Total Disability caused due to an accidental bodily injury when engaged in adventure sports in a non-professional capacity and under the supervision of a trained professional.

  • Air Ambulance Cover

    Air ambulance add-on covers you for expenses arising due to ambulance transportation from the site of first occurrence of accident to nearest hospital, during the policy period and due to bodily injuries sustained which results in emergency life threatening health conditions. You will be covered for up to actual expenses subject to a maximum sum insured as specified in the policy document. Kindly note that this add-on cover comes with the following exclusions: return transportation to home by air ambulance and air ambulance expenses outside India.

  • Children Education Benefit

    Like adventure sports benefit, this add-on cover can also be opted if Death and/or Permanent Total Disability is selected as a part of base cover. If you buy this add-on cover, then the insurer will provide one time payment of sum insured as per the policy schedule, for the cost of dependent children’s education, as per other terms and conditions of the policy.

  • Coma Due to Accidental Bodily Injury

    This add-on covers you for sustained bodily injuries which directly and independently results in hospitalisation in Comatose state, within one month from the date of accident, during the policy term. Note that the benefit can be availed within 1 month from the date of accident, as per the terms and conditions of the policy.

  • EMI Payment Cover

    EMI Payment Cover can be opted if permanent Partial Disability cover is opted under base cover of the policy.

  • Fracture Care

    The policy covers you for sustained bodily injuries which occured due to an accident, that independently of other causes results in bone(s) fracture(s). The cover ranges between 2%-35% of the sum insured varying for fractures occurring in different parts of the body.

  • Hospital Cash Benefit

    This add-on covers you for daily hospital cash in case you end up being hospitalised due to an accident. The benefit is paid for the period of hospitalisation as per the policy document, for a maximum of 60 days for every policy term. Note that other terms and conditions and exclusions will be considered for the same.

  • Loan Protector Cover

    This add-on cover pays you an amount commensurating with balance outstanding loan amount of your loan account specified in the Policy Schedule as on the date of accident, in case the accident leads to death or permanent total disability, and if the claim is accepted and paid under death or Permanent Total Disability section.

  • Loss of Income Due to Disability From Accident

    Loss of income due to disability from accident provides you a weekly payment as per weekly benefit amount shown in “Loss of Income Due to Disability From Accident” section of the policy document. The insurer will make weekly payments for the disability period as the treating doctor specifies it, for a maximum of 100 weeks and the maximum weekly benefit payable will be up to 25% of the monthly income subject to a maximum of Rs. 1,000 and Rs. 50,000 every week. Note that the benefit will be payable in the event of an accident which temporarily or permanently prevents you from performing duties in employment or occupation.

  • Road Ambulance Cover

    If due to an accidental bodily injury, the insured is transferred to the nearest hospital by a road ambulance (offered by healthcare or ambulance service provider) from the spot of accident, then this add-on covers you for the actual expenses arising for the transportation. Note that the cover is also offered in case you are required to be transported to another hospital for better facilities or other reasons. Kindly note that return transportation to the insured’s home or transportation outside India via ambulance is not included under this benefit.

  • Travel Expenses Benefit

    In case an accidental bodily injury results in hospitalisation, in a hospital that is outside the city/town of his/her place of residence as mentioned in the policy schedule, then with this add-on cover, they can be reimbursed for the travel expenses of a family member maximum up to the sum insured.
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Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Global Personal Guard Health Insurance Plan

  • Is there any optional cover available under the Global Personal Guard Plan?

    Yes. Following are the optional covers that can be chosen with Global Personal Guard Plan:

    • Accidental Hospitalization Expenses 
    • Adventure Sports Benefit 
    • Air Ambulance Cover Optional Cover IV: Children Education Benefit 
    • Coma Due to Accidental Bodily Injury 
    • EMI Payment Cover 
    • Fracture Care 
    • Hospital Cash Benefit 
    • Loan Protector Cover
    • Loss of Income due to Disability from Accident 
    • Road Ambulance Cover 
    • Travel Expenses Benefit

  • What is the base cover available under the Global Personal Guard Plan?

    Following is the base cover available under Global Personal Guard Plan: 

    • Death 
    • Permanent Total Disability
    • Permanent Partial Disability

  • What is the entry age for the Global Personal Guard Plan?

    The entry age for Global Personal Guard Plan offered by Bajaj Allianz Health Insurance for Proposer and Spouse/dependent parents is 18 years to 70 years and for dependent children is 3 months to 25 years. 

  • Who all can be covered under the Global Personal Guard Plan?

    Under Global Personal Guard Plan offered by Bajaj Allianz Health Insurance, you can include self, spouse, dependent children, and dependent parents.  

  • What is the renewal age under the Personal Guard Plan?

    The Personal Guard Plan offers lifetime renewal benefits to the insured. This means that under normal circumstances, the policy can be renewed for lifetime except on the grounds of fraud, misinterpretation of information or moral hazard. However, the policy cannot be renewed in case of an admissible claim and settlement under Coverage of Death or Permanent Total Disability (PTD). 

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