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.
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 |
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.
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.
The Bajaj Allianz Global Personal Guard health insurance will not cover the following scenarios where accidents, injuries, or hospitalization is caused due to:
The detailed list will be available in the product brochure or the policy document.
Alongside the primary coverage provided, this Bajaj Allianz Health Insurance policy has the following beneficial features:
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.
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.
Ans: The Bajaj Allianz Global Personal Guard Health Insurance is a long-term policy: 1 year, two years, and three years.
Ans: You can avail of a cumulative bonus of 10% of the Sum Insured for each claim-free year.
Ans: Under ordinary circumstances, lifetime renewal benefit is available except in the event of fraud, moral hazard, misrepresentation, or non-cooperation shown by the insured.
Ans: The details for Bajaj Allianz Global Personal Guard and all other insurance policies are available on the insurer website.
Ans: You'll find the brochure, policy wordings, and proposal form for the policy on the insurer's website. Ensure that the information on the form is 100% accurate.
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