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Bajaj General Personal Accident Policy

Bajaj General Personal Accident Policy offers a financial safety net a ...Read More

Up to 25 Cr
Sum insured
1100+
Pan India presence
99.23%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement
Written by Anshika Ojha
Reviewed by Raj Kumar
Published: 14 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Bajaj General Personal Accident Policy acts as a safety net for policyholders, ensuring their future isn't affected by life's uncertain and unexpected challenges. The accidental death or injury of a breadwinner can create serious financial problems for the family. Bajaj General Personal Accident Insurance policy ensures total security and peace of mind.

Policy Details

Bajaj General Personal Accident Policy offers up to 3 years of policy coverage tenure with a sum insured of up to INR 25 Lakh. The policy coverage is broadly divided into three sections: Basic, Wider, and Comprehensive. It is also available with two add-on covers: Medical Expenses and Hospital Confinement Allowance.

Bajaj General Personal Accident plan provides coverage for the policyholder in case of:

  • Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Temporary Total Disability

Exclusions

  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in-vitro fertilization

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Accident Health Insurance
Sum insured options
₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 Days
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

  • High sum insured
  • Death cover
  • Disability cover

Cons

  • Hospitalization due to war/riot/strike
  • Intentional self-injury

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not 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 Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Frequently Asked Questions

The 2 most-asked questions about Bajaj General Personal Accident Policy, answered.

This policy offers cover for Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
Some of the exclusions are intentional self-injury, AIDS, miscarriage, and abortion, congenital disease, infertility and in vitro fertilization, etc.

Conclusion

A comprehensive personal accident plan that provides financial protection against accidental death a

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