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Premium Personal Guard
1300
VS
Asha Kiran Policy
4,347
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 that 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.
| PLAN DETAILS |
Premium Personal Guard |
Asha Kiran Policy |
| Premium Including GST | ||
| 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) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not 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 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Covered |
| Plan Entry Age | 18 to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 1300 | 4,347 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 1300 | 4,347 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 90.73 |
| Solvency Ratio | 3.49 | 1.8 |
|
Bajaj Health Insurance New India Health Insurance |
||
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