Bajaj Allianz Premium Personal Guard Health Policy

Bajaj Allianz Premium Personal Guard Health Policy

Bajaj Allianz Premium Personal Guard Health Policy Introduction

Bajaj Allianz Premium Personal Guard Health Policy is an Online Health Insurance plan. It covers the insured against bodily injury or death caused due to accident and offers high sum assured. Bajaj Allianz Premium Personal Guard Health Policy protects you against unforeseen events or risks in life. Premium Personal Guard policy provides security for you and your family for the future. Self, Spouse and dependent children can be covered under  Bajaj Allianz Premium Personal Guard policy.

Bajaj Allianz Premium Personal Guard Health Policy Terms and Eligibility Conditions 

Entry age for Proposer and Spouse:	Minimum: 18 years Maximum:  65 years
Entry age for Dependent Children:	Minimum: 5 years Maximum: 21 years
Policy term:	1 year
Sum assured:	Minimum: 10 lakhs Maximum: 25 lakhs (Sum insured for renewals of age 66years and above would be restricted to sum insured 10lacs)
Eligible Occupations:	This policy is offered to risk class I (Administrative / managing functions, doctors, accountants, lawyers, architects, teachers and similar occupations)
Renewable till age:	Lifelong
Grace period:	30 days from the expiry date to renew the policy.
Pre-policy medical checkup:	Not required
Documents Required for fresh policy:	Policyholder need to fill up an ‘Application form/ proposal form’ with accurate medical history along with ‘address proof’. Medical examination may be required in some cases, based on the sum assured and the age of the person.
Documents Required during Renewal:	Policyholder do not have to fill the Proposal Form again at the time of renewal in case he/she renew the policy before renewal date or within the grace period of 30 days. Policyholder will require to apply for a fresh policy if he/she renew the policy beyond the renewal date.

Bajaj Allianz Premium Personal Guard Health Policy Key Features

Free Look Period:

• If you are not satisfied with the Bajaj Allianz Premium Personal Guard Health policy, you can cancel  the policy within 15 days of receipt of the policy documents, provided there has been no claim. It is not applicable for renewal policies.

Portability:

•  If you are insured under any other health insurance policy of Non life insurer you can transfer to Bajaj Allianz Premium Personal Guard Health policy with all your accrued benefits after due allowances for waiting periods.

Revision/ Modification of the Policy:

• Revision or Modification of the policy is possible at any time in future, with appropriate approval from IRDA.

Withdrawal of Policy:

• Withdrawal of Bajaj Allianz Premium Personal Guard Health policy is possible at any time in future with a intimation of 3 months to all the existing insured members.

Tax benefits:

•  Under Bajaj Allianz Premium Personal Guard Health policy, Tax benefit is not applicable. For more information regarding Income Tax Benefits, visit www.taxqueries.in.

Cumulative Bonus/No claim bonus:

•  You are eligible for Cumulative Bonus (CB) of 10% of sum insured for every claim free year. Maximum CB would be 50% of sum insured up to 5 claim free years. In case of a claim, the CB will be reduced by 10%.

Inclusions in Bajaj Allianz Premium Personal Guard Health Policy

Inclusions under Bajaj Allianz Premium Personal Guard Health policy due to Accidental Bodily Injury are,

Death:

•   100% of Sum Insured would be paid to the Nominee.

Permanent Total Disability (PTD):

•   200% of Sum Insured is payable for the proposer.

Permanent Partial Disability (PPD):

•  % of Sum Insured as shown in the PPD table would be payable.

• Claim payment under Death, PTD and PPD would be restricted to 50% for spouse and 25% for child, provided spouse and child are covered under the Bajaj Allianz Premium Personal Guard Health policy.

Temporary Total Disability (TTD):

•  Weekly benefit would be payable as per the plan opted. Claim payment under TTD would be restricted to 50% for spouse.

Transportation of mortal remains:

•   The Company will pay towards the cost of transporting the remains of you/your family member(s) from the place of death to a hospital, burial ground or cremation ground.

Children’s Education bonus:

•  In case of Death or PTD of proposer, onetime payment of Rs. 5,000/- each towards the cost of education of up to 2 of your dependent children.

Hospital confinement Allowance:

•  Rs. 1000/- to Rs. 2500/- as per the plan opted per day for a maximum of 30 days of hospitalization.

Accidental Hospitalization Expenses:

•  Reimbursement of the medical expenses due to accidental injury up to Sum Insured.

Exclusions in Bajaj Allianz Premium Personal Guard Health Policy

Exclusions under Bajaj Allianz Premium Personal Guard Health Policy are,

1. Accidental Bodily Injury that You meet with:
   • Suicide, attempted suicide or self inflicted injury or illness.
   • Under the influence of drugs or liquor.
   • Arising from the insured person(s) committing any breach of law with criminal intent.
   • Participating as the driver, co-driver or passenger of a motor vehicle during racing or trial runs.
   • Arising out of your participation in any naval, military or air force operations.
   • Any curative treatments or interventions that you carry out on your body, etc.
2. Consequential losses of any kind or your actual or alleged legal liability.
3. Venereal or sexually transmitted diseases,  HIV and/or any HIV related illness including AIDS and/or mutant derivatives or variations there of however caused.
4. Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
5. War, civil war, revolution, invasion, act of foreign enemies, Nuclear energy, radiation, etc.,.

For detailed list of exclusions refer Bajaj Allianz Premium Personal Guard Policy Wordings and Bajaj Allianz Premium Personel Guard Brochure.

Bajaj Allianz Premium Personal Guard Health Policy Claim Procedure

• If you meet with an accident and injure any part of your body, you or someone claiming on your behalf must inform the company in writing immediately and in any event within 30 days.
• In case of death due to accident, the same must be informed to the company in writing immediately and send them.
• Submit the documents within 30 days.

Documents to be submitted for Claims:

1.  Death:
   • Duly Completed Personal Accident Claim Form signed by Nominee.
   • NEFT Form.
   • Copy of address proof (Ration card or electricity bill copy).
   • Attested copy of Death Certificate.
   • Burial Certificate (wherever applicable).
   • Attested copy of Statement of Witness, if any lodged with police authorities.
   • Attested copy of FIR / Panchanama / Inquest Panchanama.
   • Attested copy of Post Mortem Report (only if conducted).
   • Attested copy of Viscera report if any(Only if Post Mortem is conducted).
   • Claim form with NEFT details & cancelled cheque duly signed by Insured.
   • Original Policy copy.
2. Permanent Partial /Total Disablement /Temporary Total Disability:
   • Duly Completed Personal Accident Claim Form signed by insured.
   • Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability.
   • Attested copy of FIR. (If required)
   • All X-Ray / Investigation reports and films supporting to disablement.
   • Claim form with NEFT details and cancelled cheque duly signed by Insured
   • Original Policy copy.
3. Children’s education bonus:
   • Bonafide certificate from school / college or certificate from the educational institution.
4. Hospital Confinement Allowance/ Accidental Hospitalisation Reimbursement:
   • First Consultation letter from the Doctor.
   • Duly completed claim form signed by the Claimant
   • Hospital Discharge Card
   • Hospital Bill giving detailed break up of all expense heads mentioned in the bill. Clear break ups have to be mentioned for OT Charges, Doctor’s Consultation and Visit Charges, OT Consumables, Transfusions, Room Rent, etc.
   • Money Receipt, duly signed with a Revenue Stamp
   • All original Laboratory and Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG, MRI Scan, Haemogram etc.
   • Other documents as may be required by Bajaj Allianz to process the claim.

Bajaj Allianz Premium Personal Guard Health Policy premium calculator

You can calculate the premium using Bajaj Allianz Premium Personal Guard premium calculator. Policy period, Number of members, Age and Sum assured are required to calculate the premium.

Bajaj Allianz Premium Personal Guard Health Policy Premium Rates/Coverage

Bajaj Allianz Premium Personal Guard Premium table:

  Bajaj Allianz Premium Personal Guard Health Policy FAQs

How do I get Bajaj Allianz Premium Personal Guard Policy?

Call toll free number 1800-209-0144 or contact any of the Bajaj Allianz agents directly. They will take through their user-friendly procedures, step-by-step. Or visit their website www.bajajallianz.co.in to take Bajaj Allianz Premium Personal Guard Policy.

When can I change my Plan?

Change of plan can be done at renewals.

What will be the renewal age?

Under normal circumstances, lifetime renewal benefit is available under the policy except on the grounds of fraud, misrepresentation or moral hazard.

Bajaj Allianz Bajaj Allianz Premium Personal Guard Health Policy

Documents and Forms:

Bajaj Allianz Premium Personal Guard Customer Information Sheet

Bajaj Allianz Premium Personal Guard Claim Form

Bajaj Allianz Premium Personal Guard Neft form

Bajaj Allianz Premium Personal Guard Policy Wordings

Bajaj Allianz Premium Personal Guard Proposal form

Bajaj Allianz Premium Personel Guard Brochure

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