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Bajaj General Health Insurance
Bajaj General Personal Guard
Global Personal Guard Policy by Bajaj General is an individual and fam ...Read More
Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement
About Bajaj General Personal Guard
A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.
Global Personal Guard Policy by Bajaj General 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 optional covers that insured individuals may opt for with additional premium payments.
Below are the optional covers available with Bajaj General Global Personal Guard:
- Accidental Hospitalization Expenses
- Adventure Sports Benefit
- Air Ambulance Cover
- Children's Education Benefit
- Coma Due to Accidental Injury
- EMI Payment Cover
- Fracture Care Benefit
- Hospital Cash Benefit
- Loan Protector Cover
- Loss of Income Due to Disability
- Road Ambulance Cover
- Travel Expense Benefit
- Worldwide Coverage with International Medical Care
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 70 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹25 L, ₹50 L, ₹1 L, ₹5 L, ₹15 L, ₹25 L
Renewability
Lifetime
Policy term
1 | 2 | 3 Years
*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
- Death Cover
- EMI Payment Cover
- Hospital Cash Benefit
Cons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment 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 Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Not Applicable
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Bajaj Health Insurance
This video explains Bajaj Health Insurance in detail.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, or 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 70 Years
Other features & benefits
- Accidental Hospitalization Expenses
- Air Ambulance Cover
- Loss of Income due to Disability from Accident
Bajaj General Global Personal Guard: FAQs
The 4 most-asked questions about Bajaj General Personal Guard, answered.
There are three sections in the base covers, namely - Death Cover, Permanent Total Disability Cover, and Permanent Partial Disability Cover
The minimum entry age is 18 years and the maximum entry age is 70 years.
Some optional covers under the Bajaj Global Personal Guard policy include 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, etc.
All premiums paid towards the Global Personal Guard by Bajaj General are eligible for tax benefits as per the Income Tax Act of 1961.
Conclusion
Bajaj General Global Personal Guard is a versatile health insurance plan that offers protection to i
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