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Bajaj General Personal Accident Policy is a safety net for policyholders, as life is uncertain and can present unexpected challenges. Bajaj General's Personal Accident Policy ensures that your future isn't affected by any unfortunate turn of events.
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.
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 3 sections: Basic, Wider, and Comprehensive, and is available with two add-on covers like medical expenses and Hospital confinement allowance.
Bajaj General Personal Accident plan covers the insurer in case of Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
| PLAN DETAILS |
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Personal Accident Policy |
Sarvah Plan |
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 to 65 Years | 91 days to no maximum age limit |
| Plan Premium Entry Age and S/A | 2500 | 4804 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | Accidental death cover, Permanent disability cover, Partial disability cover, Temporary disability cover, Hospital expenses cover | Hospitalization up to ₹3 Cr, Personal Accident Cover up to ₹3 Cr, Maternity & Newborn expenses, Unlimited Sum Insured Restoration, Pre-Existing Disease coverage |
| Plan Sample Premium | 2,500 | 4804 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1/2/3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 98 |
| Solvency Ratio | 3.25 | 1.76 |
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