Network hospitals
8000+
Claim settlement ratio
96.59%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
3.41
Pan India Presence
240
Network hospitals
8000+
Claim settlement ratio
96.59%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
3.41
Pan India Presence
240
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 Allianz Premium Personal Guard is a personal accident insurance plan which 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 Allianz 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.
Bajaj Allianz Health Insurance
Minimum: Children- 5 years to 21 Years Adult: 18 years
Maximum: 65 Years
1 year
Individual/ Family Floater
10 L| 15 L | 20 L | 25 L
30 Days*
*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.
With wide coverage options, Personal Guard Plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 10 L- 25 L
Room Rent
Not Available
ICU Charges
Not Available
Pre-Hospitalization
Not Covered
Post-Hospitalization
Not Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Available Up to Rs. 2500
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 1K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Under Bajaj Allianz Premium Personal Guard Plan, the room rent is not covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Under this plan, ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
This plan does not cover medical expenses incurred during pre-hospitalization.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
This plan covers medical expenses incurred during post-hospitalization.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Under Bajaj Allianz Premium Personal GuardPlan, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
This plan does not cover the expenses of daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
COVID-19 treatment cover is unavailable under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
The plan does not cover cataract treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
The plan offers an Increase in the Limit of Indemnity by 10% of the Sum Assured per annum as a Cumulative Bonus. The maximum cumulative increase in the Limit of Indemnity will be limited to 5 years and 50% of Sum Assured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Available.
It is a cash amount that you receive each day during the time of hospitalization
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
The daily hospital cash is available up to INR 2500.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Under the plan, Organ Donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Available, up to INR 1K.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Covered
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
Not Covered
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Bajaj Allianz Premium Personal GuardPlan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Bajaj Allianz Premium Personal GuardPlan?
Not Applicable.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Bajaj Allianz Premium Personal GuardPlan?
Not Applicable.
Bajaj Allianz Network Hospitals have a vast presence PAN India. A well connected network of over 7,600+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Premium Personal Guard plan are:
Maternity
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premium.
Sum Insured (in Rs.) | 10 Lakhs | 15Lakhs | 20 Lakhs | 25 Lakhs |
Premium Payable | 1300, 2875 | 2100 | 2875 | 3650 |
Bajaj AllianzHealth offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
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
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
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
The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.
Unique Features
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
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Unique Features
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
A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.
Unique Features
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
An all-in-one family floater policy that covers health, household contents, travel baggage and much more.
Unique Features
This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.
Unique Features
A Comprehensive Plan with a wide range of benefits, ensuring a cover for maximum expenses related to Illness and Accidents offering optional add-on benefits.
Unique Features
A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.
Unique Features
A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.
Unique Features
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
An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.
Unique Features
Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.
Unique Features
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
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
Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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.
Smita Patil
Bengaluru
May 1, 2023
I have availed health insurance services from PolicyX in the year 2021 and I must say that they are reliable and have supported me with claim settlement without any delay.
Pawan
Delhi
June 6, 2022
Trust me, friends, Bajja is one of the best insurance companies in India. It offers good health insurance plans and its claim service is superb. I am very impressed by the work done by Bajaj Al...
Himanshi Nalwa
Pune
May 26, 2022
My claim was settled in no time... I went to a non-network hospital and Bajaj Allianz reimburse my claim within 2 days
Priya Singhania
Guwahati
May 26, 2022
I took the health insurance plan for my family. Bajaj Allianz is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.
Mehak Dua
Belgaum
September 9, 2021
quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly
Kunal Deshmukh
Meerut
September 9, 2021
The help I receievd at bajal allianz was so good...i mean i went expecting not a lot but the discussion was amazing...also bought a plan for my children
Bhargav Dua
Indore
September 9, 2021
Really top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!
Rishiraj Bharti
Mysore
September 9, 2021
the buying process was easy...really hoping claims will be as easy too when the time comes...overall happy
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