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Get the Best Health Insurance Plan Online in India

Individual

female
male

Family

 

Most Popular Policies of Bajaj Allianz General Insurance

  • Bajaj Allianz Critical Illness Policy
    This policy pays out hefty amount upon diagnosis of critical illness of proposer.
    Key features of Critical Illness Policy
    • Coverage is available for 10 critical illnesses
    • Lifelong renewal option available
    • 10% family discount available in policy.
    • Personal disability and death cover
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  • Bajaj Allianz Family Floater Health Guard Policy
    The plan aims to cover an entire family which means any insured member of the policy can utilize the sum insured to pay hospitalization expenses.
    Key features of Family Floater Health Guard plan
    • Coverage available for laser eye surgery after 4 years of waiting period
    • No sub-limits applicable on boarding and room rent
    • Availability of second opinion in case of critical illness
    • Discount on premium is applicable if proposers opt for deductible
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  • Bajaj Allianz Health Care Supreme Policy
    The policy provides coverage for medical expenses and it comes with variants like individual and family floater.
    Key features of Health Care Supreme Policy
    • Availability of add-on covers like personal accident cover, ancillary cover, critical illness cover
    • Lifetime renewal and lifetime entry available
    • No sub-limit on room rent
    • Co-pay is not applicable
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About bajaj allianz personal guard plan

The unseen risk of crucial health conditions along with it brings physical, mental as well as financial agony. We can’t halt such situations and their outcomes but all we can do is control the consequences by making yourself financial secure and stable. For providing you with financial stability in personal accidents, illnesses as well as death, Bajaj Allianz introduces its policy of Bajaj Allianz Personal Guard Plan. This policy will provide you with complete peace of mind and stability in life regarding health issues.

Age Band

Entry Age band for proposer/spouse – 18yrs to 65yrs

Entry Age band for dependant children- 5yrs to 21yrs

Eligibility

This policy is applicable to different risk level on the basis of occupation

Risk level 1- officers (administrative/managers, Lawyers, Doctors, Teachers, Accountants, Teachers and similar occupation)

Risk level 2 – labour, garage mechanic, machinery operator, driver, cash carrying employee, veterinary doctor and similar occupations.

Risk level 3 – mineworkers, jockey, electrician, big hunters, mountaineers, river rafters and similar occupations.

Bajaj Allianz Personal Guard Plan variants

This policy is categorized with three variants

Basic

Accidental death + Children education bonus

Maximum SI is 100times the monthly income of insured proposer

Comprehensive

Accidental Death benefit + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD) + Children education bonus

Maximum SI is 24 times the monthly income of insured person, up to maximum limit of 5,00,000/-

Wider

Accidental Death benefit + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD) + Children education bonus

Maximum SI is 60 times the monthly income of insured person

Key features

  • Plan confirms to provide cover for injuries and illness caused due to hospitalization

  • The policy provide facility of getting help for injury occurring anywhere in world

  • The policy is an annual plan

  • The renewal period is lifetime

  • Plan change can be done at time of renewal

  • Specific benefits you get from Bajaj Allianz Personal Guard Plan

  • For family package, discount of 10% is available if two or more members are covered under policy

Specific Additional benefits of Bajaj Allianz Personal Guard Plan

Death

In critical situation of proposer death the 100% of sum insured will be provided to nominee under this policy

Permanent Total Disability (PTD)

For PTD situation 125% of SI will be provided and is payable to proposer

Permanent Partial Disability (PPD)

PPD

COVERAGE

% OF SI

Arm at shoulder joint

Covered

70%

Arm above elbow

Covered

65%

Arm below elbow

Covered

60%

Hand at wrist

Covered

55%

Single Thumb

Covered

20%

Index finger

Covered

10%

Any other finger

Covered

5%

Leg above mid thigh

Covered

70%

Leg up to mid thigh

Covered

60%

Leg beneath knee

Covered

50%

Leg up to mid-calf

Covered

45%

Foot at ankle

Covered

40%

Large toe

Covered

5%

Any other toe

Covered

2%

Single Eye

Covered

50%

Hearing of single ear

Covered

30%

Hearing of both ears

Covered

75%

Smelling sense

Covered

10%

Tasting sense

Covered

5%

In cases of different categories of PPD, the percentage of SI provided is described in table

PPD Table

Temporary Total Disability (TTD)

In TTD of proposer weekly benefits are paid as per plan and 50% will be restricted in case of spouse TTD

Children Education Bonus

For PTD of proposer the amount of Rs 5000/- will be paid towards education cost of 2 children who were under age of 19years

Cumulative Bonus

For each claim free year 10% of SI will be provided as cumulative bonus and it would increase to 50% for 5claim free years.

Premium Chart

PREMIUM RATES (% Rs per 1000/-)

Cover

Risk class

I

II

III

Basic

0.45

0.6

0.9

Wider

1.0

1.25

1.75

Comprehensive

1.5

2.0

Not covered

Medical expenses

25% of above premium

25% of above premium

25% of above premium

Hospital limitation

Rs 300/- per person

Rs 300/- per person

Rs 300/- per person