Premium Personal Guard
  • In-house claim settlement team
  • Multiple Sum Insured Options
  • Lifelong Renewability
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 Premium Personal Guard

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.

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Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance

Bajaj Allianz Premium Personal Guard Plan Specifications

Entry Age

Minimum: Children- 5 years to 21 Years Adult: 18 years

Entry Age Max.

Maximum: 65 Years

Policy Term

1 year

Plan Type

Individual/ Family Floater

Sum Insured

10 L| 15 L | 20 L | 25 L

Initial Waiting Period*

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.

Read more specifications in the brochure.

Choose your Bajaj Allianz Premium Personal Guard 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

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 1K

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Under Bajaj Allianz Premium Personal Guard Plan, the room rent is not covered.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post 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.

What is Domiciliary 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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not covered

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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

What is a Second Medical Opinion?

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

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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 Health Insurance Network Hospital List

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.

Other Health Insurance Companies

Bajaj Allianz Plan Exclusions

Permanent Exclusions

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

Sample Premium Illustration of Bajaj Allianz Premium Personal Guard Plan

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

Explore other Bajaj AllianzHealth Plans

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

  • 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 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

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 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 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 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 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

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

  • Avail Maternity Cover
  • Avail Newborn baby cover
  • Physiotherapy expenses covered

A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.

Unique Features

  • Avail Hospitalization expenses
  • Pre-existing illnesses Cover
  • 130 day care procedures

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 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 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 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 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 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

Bajaj Allianz Premium Personal Guard FAQs

1. When can I change my policy?

You can change your plan at the time of renewals.

2. How to submit a claim?

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.

3. How to get Premium Guard Policy?

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.

4. Can I port this policy to another plan or insurer?

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.

5. Who can buy this policy?

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.

6. Can I cover my family under Bajaj Allianz Premium Personal Guard Plan?

Yes, you can cover yourself, your spouse, and your dependent children under Bajaj Allianz Premium Personal Guard Policy.

7. Does the plan provide Daily Hospital Cash?

Yes, Premium Personal Guard offers daily hospital cash based on the SI up to INR 2500.

8. Am I covered for critical illnesses under Bajaj Allianz Premium Personal Guard?

No, this plan does not cover the insured against critical illnesses.

9. Are Pre Existing Diseases covered under this policy?

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.

10. Will Bajaj Allianz Premium Personal Guard care for my dependent children if I face disability due to an accident?

Yes, Bajaj Allianz Premium Personal Guard offers you a child education bonus in case of permanent total disability.

Bajaj Allianz Premium Personal Guard Plans Review

Read what customers have to say about Bajaj Allianz Premium Personal Guard health insurance.

Customer Review Image

Raj Kumar

Bhopal

October 16, 2023

Invested in a senior citizen health insurance with Bajaj Allianz for my parents and the coverage benefits are very helpful

Customer Review Image

Riya Chatterjee

Pune

October 9, 2023

Recently purchased a senior citizen plan from Bajaj Allianz and it provided my parents with wellness benefits and annual health check-ups that are useful for me as I stay away from my family.

Customer Review Image

Rishabh Singh

Chandigarh

October 9, 2023

Quick and efficient response from customer care of Bajaj Allianz when it comes to claim settlement queries.

Customer Review Image

Priyanka Kumari

Guwahati

October 9, 2023

Provides different options in health insurance and offers unique benefits. I purchased a maternity plan from Bajaj 2 years ago and now I am planning to start a family. Bajaj Allianz has been ve...

Customer Review Image

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.

Customer Review Image

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...

Customer Review Image

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

Customer Review Image

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.

View All Bajaj Allianz Premium Personal Guard Plan Reviews