Bajaj Allianz Global Personal Guard

The Bajaj Allianz Global Personal Guard Policy is innovative insurance designed to give you extensive coverage in the event of death or a partial or total disability. This must be the result of an unforeseen accident. Most importantly, this plan gives coverage of accidents outside India's geographical region, thanks to its global scope.

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Bajaj Allianz Global Personal Guard

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
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    Bajaj Allianz Global Personal Guard Policy: Key Highlights

    Policy Type

    Individual

    Sum Insured

    100 times of Gross Monthly Income

    Policy Tenure

    1,2, 3 years

    Renewability

    Lifelong

    Premium Payment Modes

    Annually/Half-early/Quarterly/Monthly

    Coverage Offered

    The Bajaj Allianz Global Personal Guard offers 100/60 times of gross monthly income as per the cover chosen.

    Base Cover: This includes death, permanent total disability, and permanent partial disability.

    Optional Cover: The policy has 12 optional covers. They are available on the payment of an additional premium.

    • Accidental Hospitalization expenses
    • Coma due to accidental bodily injury
    • Fracture Care Optional Cover
    • Adventure Sports Benefit
    • Travel expenses benefit
    • Air Ambulance Cover
    • Road ambulance cover
    • Children Education Benefit
    • Hospital Cash Benefit
    • Loan Protector
    • EMI payment cover
    • Loss of income because of accident-induced disability

    Inclusions of the Policy

    Bajaj Allianz Health Insurance Policy includes the following essential aspects of medical treatment:

    Hospitalization Expenses: This covers the costs incurred during the hospitalization period. This hospitalization has to be the result of an accidental injury.

    Adventure Sports:  If there is an accident while performing adventure sports under supervision, Bajaj Allianz health insurance will cover the loss and disability that resulted from the accident.

    Fracture Cases: The Bajaj Allianz Global Personal Guard Insurance Policy covers the expenses in treating a fracture caused by accident.

    Emergency Ambulance Cover: Provides coverage for air and road ambulance expenditure in case of an emergency.

    Travel Expenses: If you are hospitalized away from your residence due to an accident, the insurance will cover a family member's travel expenses.

    Exclusions of the Policy

    The Bajaj Allianz Global Personal Guard health insurance will not cover the following scenarios where accidents, injuries, or hospitalization is caused due to:  

    • Suicide or attempted suicide or self-inflicted illness
    • Liquor/drugs' influence.
    • Participation in any unlawful, criminal activity
    • Aviation or ballooning other than a passenger aircraft
    • Motor vehicle during motor racing or trial runs
    • Any curative treatments/interventions
    • Army operations or military exercises
    • Sexually transmitted or venereal diseases, HIV/AIDS
    • Pregnancy, childbirth, miscarriage, abortion, or complications arising from the same, etc.

    The detailed list will be available in the product brochure or the policy document.

    Features and Benefits of the Bajaj Allianz Global Personal Guard Policy

    Alongside the primary coverage provided, this Bajaj Allianz Health Insurance policy has the following beneficial features:

    • An optional cover protects from medical expenditure if you're hospitalized due to an accident for a minimum of 24 hours or availed any of the mentioned day-care procedures. In this case, pre-and post-hospitalization are also covered.
    • There is an optional cover against death and permanent due to participation in non-professional adventure sports performed under supervision.
    • There is a provision of children's education benefits. This is an optional cover that provides coverage for any dependent children's education expenses in case of the insured's permanent disability or accident.
    • This optional cover ensures active EMI for three months in case of permanent partial disability due to an accident (following policy terms).
    • There is an optional hospital cash benefit, wherein the insured is admitted because of an accidental injury, he/she will receive a daily benefit amount up to 60 days.
    • The Bajaj Allianz Global Personal Guard plan has a unique loan protector feature. You can receive an amount corresponding to the balance amount of your loan that is outstanding (according to what is specified in the policy and up to the Sum Insured selected under this optional cover).

    Eligibility Criteria of Bajaj Allianz Global Personal Guard Policy

    The policy comes with the following eligibility criteria, which one has to be fulfilled:

    Dependent Children

    3 months- 25 years

    Proposer/Legally-wed spouse/parents/parents-in-law

    18 years-65 years

    Number of people covered

    Self, parents, legally-wedded spouse, and dependent children.

    Residential Status

    Residents of India, including citizens & permanent residents


    Note:
    If the proposer is unemployed, he/she cannot be eligible for the Global Personal Guard Policy.

    Cancellation Rules of the Policy

    The policy can be cancelled by providing a written notice within 15 days, provided no claim is made. In that case, the insurance company will refund a pro-rata premium for the unexpired policy period. However, the policy cannot be canceled under normal circumstances except for misrepresentation, fraud, non-disclosure of material facts, or your non-cooperation.

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    Bajaj Allianz Global Personal Guard Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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