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The Bajaj Premium Personal Guard plan supports you during a crisis and helps you manage unforeseen risks, providing future security and ensuring complete peace of mind for you and your family.
Bajaj General Premium Personal Guard is a personal accident insurance plan that provides financial compensation to the policyholder in case of permanent partial, permanent total, or temporary disability, and death or bodily injury caused by an accident. It also covers all medical expenses incurred on treatment. The plan offers a high sum assured ranging from ₹10 Lakhs to ₹25 Lakhs.
| PLAN DETAILS |
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Premium Personal Guard |
Manipalcigna Lifetime Health 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 | 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 | 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) |
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 | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not 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 | 91 days, to 65 years |
| Plan Premium Entry Age and S/A | 1300 | Rs. 50 Lakh |
| Plan Waiting Period | No | 30 days |
| Plan Coverage | Accidental death cover, Permanent disability cover, Partial disability cover, Temporary disability cover, Hospital expenses cover | A high-sum insured health plan with global emergency benefits, ideal for long-term comprehensive protection. |
| Plan Sample Premium | 1300 | 13,200 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2, 3 Year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | 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 | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.23 | 98 |
| Solvency Ratio | 3.25 | 1.76 |
|
Manipal Cigna Health Insurance Plan Detailed Review |
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