Bajaj Allianz Global Personal Guard
  • 12 Optional Covers
  • Death Cover
  • Permanent Total Disability
premium

Network hospitals

18400+

premium

Incurred claim ratio

74.27%

premium

Sum insured

Up to 25 CR

premium

No. of Plans

23

premium

Solvency Ratio

3.6

premium

Pan India Presence

240

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

18400+

premium

Incurred claim ratio

74.27%

premium

Sum insured

Up to 25 CR

premium

No. of Plans

23

premium

Solvency Ratio

3.6

premium

Pan India Presence

240

Bajaj Allianz Global Personal Guard Plan

Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, permanent total disability, and permanent partial disability. Additionally, the Global Personal Guard Policy offers 12 different optional covers that insured individuals may opt for on additional premium payment. Below are the optional covers available with Bajaj Allianz Global Personal Guard:

  • Accidental Hospitalization Expenses
  • Adventure Sports Benefit
  • Air Ambulance Cover
  • 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 Expense Benefit

Individuals can avail of this plan globally, outside of India's geographical boundaries as it offers medical care internationally.

Bajaj Allianz Global Personal Guard Eligibility Criteria

Before purchasing the Global Personal Guard by Bajaj Allianz it is essential to fulfill the eligibility criteria mentioned in the policy schedule given below:

Entry Age

Minimum: 18 Years
Children: 3 Months to 25 Years

Entry Age Max.

Maximum: 70 Years

Policy Term

1/2/3 Years

Plan Type

Individual/Family Floater

Sum Insured

60/100 Times of gross monthly Income

Initial Waiting Period*

N/A

Read more specifications in the brochure.

Bajaj Allianz Health Insurance Network Hospital List

Bajaj Allianz Network Hospitals have a vast present PAN India. A well connected network of over 8000+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.

Bajaj Allianz Global Personal Guard Benefits

There are a plethora of benefits that insurance holders can avail of under the Personal Guard Policy by Bajaj Allianz. We have mentioned a few of them below:

  • Wide Scope of Coverage: Global Personal Guard by Bajaj Allianz offers a wide scope of coverage with base and optional coverage benefits. With this plan, insured individuals are assured of coverage against death, permanent partial and permanent total disability along with other optional coverage options that can be opted as per their needs and requirements.
  • Adventure Sports Benefit: Adventure Sports benefit is an optional cover under the Bajaj Allianz Global Personal Guard Plan wherein it is extended subject to death and/or permanent total disability is opted for under the base cover. The sum insured for this cover will be limited to 25%, 50%, and 100% of the sum insured to a maximum of INR 1 Crore.
  • Tax Benefits: All premiums paid towards the Global Personal Guard by Bajaj Allianz are eligible for tax benefits as per the Income Tax Act of 1961.
  • Multiple Tax Benefits: There are various tax benefits available under the Global Personal Guard Policy by Bajaj Allianz such as a 10% family discount on covering 2 or more family members, up to 8% Long term policy discount for opting for a 3-year policy term, a 20% employee discount, and a 10% online discount.
  • Cumulative Bonus: Bajaj Allianz Personal Guard Policy offers a 10% no-claim bonus for every claim-free year for a maximum of 50% of the Sum Insured.

Bajaj Allianz Personal Guard Policy Coverage

There are various healthcare features covered by the Global Personal Guard Policy by Bajaj Allianz beneficial for the insured individual that are mentioned below:

Base Coverage

Death Cover
  • Transportation of Mortal Remains
  • Funeral Expenses Cover
  • Disappearance Cover
Permanent Total Disability
  • Loss of Eyesight
  • Lifestyle Modification Benefit
  • Loss/Inability of the Use of Limbs
Permanent Partial Disability
  • Loss of Hearing in Both Ears
  • Hospitalization due to Accidental Injury
  • Loss of Hand at the Wrist

Optional Coverage

Accidental Hospitalization Coverage
  • Room Rent Cover
  • Consultation Fee Cover
  • Daycare Procedures Covered
Adventure Sports Benefit
  • Sky Sports (Bungee jumping, Zip Lining)
  • Water Sports (Scuba Diving, Shark Diving)
  • Racing Sports (Motor Rallying, Kart Racing)
Air Ambulance Cover
  • Airplane Cover
  • Helicopter Cover
  • Emergency threatening Conditions
Children Education Benefit
  • Available with Death Cover
  • Available with Permanent Total Disability
  • Dependent Children should not be over 25 years
Fracture Care
  • Elbow, Arms
  • Skull
  • Spinal Column

Bajaj Allianz Global Personal Guard Exclusions

Permanent diseases or health conditions that are not included under this plan after a specific period of time are mentioned below:

Obesity and Weight Management Treatment

Suicide or Drug Abuse

Contamination from Nuclear Fuel or Radiation

Civil War

Breach of Law

Conclusion

Bajaj Allianz Global Personal Guard is a versatile health insurance plan that offers protection to insured individuals globally not only within the country. With 12 optional covers and the freedom to opt as per the needs and requirements of the insured individual, the plan is ideal for those who travel frequently. Features such as child education benefits, travel expense benefits, and EMI coverage provide your family with a financial safety net leading you to live a stress-free life in case of disabilities. The plan covers individuals from 18 years to 70 years of age along with your spouse, dependent children, and dependent parents.

Explore other Bajaj Allianz Health Plans

Bajaj Allianz Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

A plan with 3 variants offering up to 1 Cr SI. It covers expenses incurred during hospitalization resulting from serious illness or accident.

Unique Features

  • Avail Discounts
  • Maternity cover available
  • Organ Donor expenses covered

Bajaj Allianz Health Guard (Pros)

  • Convalescence benefit
  • Super Cumulative bonus
  • Daily cash benefit
  • New Born Baby Cover
  • Pre & post hospitalization

Bajaj Allianz Health Guard (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Guard (Other Benefits)

  • Health prime rider
  • Non-medical expense rider
  • Wellness benefits
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz Health Guard (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 1 Cr
  • Waiting Period - 30 Days

A competitive plan with affordable premiums for your family, a perfect product to take care of medical expenses for you and your family in case of an unfortunate event.

Unique Features

  • Avail daycare procedures
  • Road ambulance coverage
  • Prosthetic cost covered

Bajaj Allianz Health Infinity (Pros)

  • In-patient hospitalization cover
  • Pre & post hospitalization
  • Spouse Cover
  • Global Coverage
  • Preventive health check-up

Bajaj Allianz Health Infinity (Cons)

  • No Sleep Apnea Coverage
  • No Dental Treatment
  • No Alcoholism Cover
  • Type2 Diabetes not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Infinity (Other Benefits)

  • Per Day Room Rent Benefit
  • Co-Pay Benefit
  • Tax Benefits
  • Cataract Cover
  • Alzheimer Cover

Bajaj Allianz Health Infinity (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - No Limit
  • Waiting Period - 30 Days

A robust policy that takes care of 360-degree health needs for you and your family with a maximum sum assured up to INR 25 lakh.

Unique Features

  • Modern Treatment covered
  • Avail AYUSH treatment
  • Avail cumulative bonus

Arogya Sanjeevani Plan (Pros)

  • Cataract Treatment
  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • Hospitalization Cover

Arogya Sanjeevani Plan (Cons)

  • No Global Coverage
  • No Weight Control Cover
  • No Sleep Apnea Cover
  • HIV/AIDS not covered
  • No War Injury Cover

Arogya Sanjeevani Plan (Other Benefits)

  • Plastic Surgery Cover
  • Spouse Cover
  • Child Cover
  • Dental Treatment Cover
  • Diabetes Cover

Arogya Sanjeevani Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Bajaj Allianz Criti-Care

Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.

Unique Features

  • Avail lifetime renewal
  • Avail coverage against cancer
  • Avail wellness discount

Bajaj Allianz Criti-Care (Pros)

  • Dialysis Care Cover
  • Cancer reconstructive surgery
  • Cardiac Nursing Cover
  • Physiotherapy care
  • Dialysis Care

Bajaj Allianz Criti-Care (Cons)

  • No Intoxication Coverage
  • No Cosmetic Surgery
  • No Postpartum Cover
  • STD not covered
  • No Natural Calamity Cover

Bajaj Allianz Criti-Care (Other Benefits)

  • Cancer Care
  • Cardiovascular Care
  • Kidney Care
  • Neuro Care
  • Transplants care

Bajaj Allianz Criti-Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 2 Cr
  • Waiting Period - 30 Days

A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.

Unique Features

  • Avail discounts on policy terms
  • 50 Lakh SI
  • Flexible premium payment

Bajaj Allianz Critical Illness (Pros)

  • Joint Replacement
  • Major Organ Transplantation
  • Surgery of Aorta
  • Limbs Permanent Paralysis
  • Dialysis Care

Bajaj Allianz Critical Illness (Cons)

  • No C- Section Coverage
  • No Weight Surgery Cover
  • No War Injury Cover
  • HIV/AIDS not covered
  • No Natural Peril Cover

Bajaj Allianz Critical Illness (Other Benefits)

  • First Heart Attack
  • Open Chest CABG
  • Regular Dialysis
  • Neuro Care
  • Multiple Sclerosis

Bajaj Allianz Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Bajaj Allianz Silver Health Plan -Senior Citizens

It is a comprehensive senior citizen plan which includes a spouse . With High sum insured the plan offers critical illness cover,life time renewal and innovative packages.

Unique Features

  • Quick Disbursement
  • Global Expertise
  • In House Claim Administration

Silver Health Plan -Senior Citizens (Pros)

  • Pre-existing illness cover
  • Waiver of co-payment
  • Cumulative bonus
  • High entry age
  • Free health check-up

Silver Health Plan -Senior Citizens (Cons)

  • No Hernia Cover
  • No Piles Cover
  • No Cataract Cover
  • No Non -Allopathic Cover
  • No AIDS Cover

Silver Health Plan -Senior Citizens (Other Benefits)

  • Pre and post hospitalization
  • Ambulance cover
  • Customized Plans
  • Cashless Facility
  • Family Discount

Silver Health Plan -Senior Citizens (Eligibility Criteria)

  • Entry Age - 46 Years
  • Max Entry Age - 70 Years
  • SI - 50 Thousand to 50 Lakh
  • Waiting Period - 30 Days

Bajaj Allianz Individual Health Insurance

An inclusive plan with multiple SI options and 50% cumulative bonus.

Unique Features

  • Covers Homeopathic Treatment
  • Extended Family Cover
  • New Born Cover

Individual Health Insurance (Pros)

  • Recharge Benefit
  • Bariatric surgery cover
  • Maternity Cover
  • Daily cash benefit
  • Covers extended family

Individual Health Insurance (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Dental Cover
  • No Cosmetic Surgery Cover
  • No STD Cover

Individual Health Insurance (Other Benefits)

  • Organ donor expenses
  • Ayurvedic Treatment Cover
  • SI Reinstatement
  • Ambulance Cover
  • Convalescence Benefit

Individual Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 cr
  • Waiting Period - 30 Days

A super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.

Unique Benefits

  • Air Ambulance cover
  • Avail maternity expense
  • Organ donor expenses covered

Bajaj Allianz Extra Care Plus (Pros)

  • Modern treatment Covered
  • Air Ambulance Cover
  • Maternity Benefit
  • Organ Donor Expenses
  • Free Medical Check-Up

Bajaj Allianz Extra Care Plus (Cons)

  • No New Born Baby Cover
  • No Dental Treatment
  • No Obesity Cover
  • STD not covered
  • No BMI Cover

Bajaj Allianz Extra Care Plus (Other Benefits)

  • Day Care Treatment Covered
  • ICU Covered
  • Specialist Doctor Cover
  • Post-hospitalisation expenses
  • Spouse and Child Cover

Bajaj Allianz Extra Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 80 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Bajaj Allianz M care

The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.

Unique Features

  • Avail Lifetime Renewal
  • Coverage against Dengue
  • Avail family coverage

Bajaj Allianz M care (Pros)

  • Chikungunya Cover
  • Malaria Cover
  • Filariasis Cover
  • Kala Azar Cover
  • Pre & post hospitalisation

Bajaj Allianz M care (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz M care (Other Benefits)

  • Zika Virus Cover
  • Japanese Encephalitis Cover
  • Dengue Fever Cover
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz M care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25 Thousand to 75 Thousand
  • Waiting Period - 30 Days

Bajaj Allianz Saral Suraksha Bima

Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.

Unique Features

  • Lifetime renewal available
  • Child education benefit available
  • Cumulative Bonus

Bajaj Allianz Saral Suraksha Bima (Pros)

  • Total Temporary Disablement
  • Installment Premium Payment
  • Cumulative Bonus
  • Hospitalization Expenses
  • 10% Education Grant

Bajaj Allianz Saral Suraksha Bima (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Bajaj Allianz Saral Suraksha Bima (Other Benefits)

  • Partial Disablement Cover
  • Total Disablement Cover
  • Nursing Expenses Cover
  • Prosthetic Cover
  • ICU Cover

Bajaj Allianz Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 cr
  • Waiting Period - 30 Days

Bajaj Allianz Corona-Kavach Policy

An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.

Unique Features

  • Avail homecare treatment
  • AYUSH treatment available
  • Avail hospital daily cash

Bajaj Allianz Corona-Kavach Policy (Pros)

  • Covid Hospitalization Cover
  • AYUSH Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Home Care Treatment Expenses

Bajaj Allianz Corona-Kavach Policy (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Alcoholism Cover
  • No Unproven Treatments
  • No Suicide Cover

Bajaj Allianz Corona-Kavach Policy (Other Benefits)

  • Hospital Daily Cash
  • Oxygen cylinder Cover
  • Diagnostic tests Cover
  • Consultation charge cover
  • Road Ambulance Cover

Bajaj Allianz Corona-Kavach Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability

Unique Features

  • Covers children’s education
  • Avail cumulative bonus
  • Avail additional covers with plan

Bajaj Allianz Sankat Mochan

A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.

Unique Features

  • Offers 16 variants
  • Lifetime renewal available
  • Avail Hospitalization expenses

Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs

Unique Features

  • Avail cumulative bonus
  • Cover dependent children
  • Cover death and disability

Bajaj Allianz Women Specific Critical Illness

This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.

Unique Features

  • Congenital Disability Benefit
  • Children Education Bonus
  • Avail various discounts

Bajaj Allianz Extra Care

Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.

Unique Features

  • Avail Modern Treatments
  • Avail Ambulance coverage
  • Avail discounts on policy terms

Bajaj Allianz Loan Care

A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.

Unique Features

  • Personal Accident Covered
  • EMI Payment Cover
  • Child education benefit available

Bajaj Allianz Star Package

An all-in-one family floater policy that covers health, household contents, travel baggage and much more.

Unique Features

  • Covers Household content
  • Avail education grant
  • Avail critical illness cover

Bajaj Allianz Global Health Care

This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.

Unique Features

  • USD 1,000,000 cover
  • Mental Illnesses covered
  • Air Ambulance covered

Bajaj Allianz Tax Gain Policy

A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.

Unique Features

  • OPD covereage available
  • 130 Day care procedures
  • Avail free health check up

A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.

Unique Features

  • Upto 10lakh sum assured
  • Avail cumulative bonus
  • Day care procedures covered

Bajaj Allianz Hospital Cash Daily Allowance

Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.

Unique Features

  • Avail discounts
  • Flexible premium payment term
  • Avail family cover

Bajaj Allianz Family Health Care Policy

A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.

Unique Features

  • Avail Daycare procedures
  • Hospital cash benefits
  • Modern treatment covered

Bajaj Allianz Global Personal Guard: FAQs

1. What are the optional covers available under the Bajaj Allianz Global Personal Guard Policy?

There are a total of 12 optional covers mentioned in the policy that are:

  • Air Ambulance Cover
  • EMI Cover
  • Child Education Benefit
  • Loan Protector Cover
  • Road Ambulance Cover
  • Air Ambulance Cover, and more
To know more about the 12 optional covers read the article in detail.

2. Are tax benefits available under the Global Personal Guard Policy by Bajaj Allianz?

Yes, all premiums paid towards the Global Personal Guard Policy are eligible for tax benefits as per the Income Tax Act of 1961.

3. Will I be covered if I want to pursue Bungee Jumping?

Yes, Global Personal Guard provides coverage against adventure sports such as bungee jumping, zip-lining, Diving, Kart Racing, and more.

4. What happens to my children in case I meet with an accident and suffer Permanent Total Disability?

In case of Permanent Total Disability and death, the dependent children below the age of 25 years are covered by the Bajaj Allianz Global Personal Guard Policy.

5. What are the sum insured options available under the Bajaj Allianz Global Personal Guard?

The sum insured options available under the Global Personal Guard by Bajaj Allianz are as follows:

  • Death - Maximum 100 times of Gross Monthly Income
  • Permanent Total Disability - Maximum 60 times of Gross Monthly income
  • Permanent Partial Disability - Maximum 60 times of Gross Monthly Income
  • Loss of Income due to disability from accident - Maximum benefit would be 25% of monthly income

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Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.