Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premium as offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
Our representative will get back to you soon.
You can also directly contact us at

Bajaj Allianz Premium Personal Guard Policy

What is the Plan all About?

Premium Personal Guard Policy gives you a guard against unforeseen risks. This policy covers the insured against accidental death or bodily injury and thus ensures security for the future. This personal accident insurance provides high sum assured in a range of 10 Lacs to 25 Lacs.

4 variants can be chosen under this plan:

  • Plan Aoffering Sum Insured of Rs 10 Lacs
  • Plan B offering Sum Insured of Rs 15 Lacs
  • Plan C offering Sum Insured of Rs 20 Lacs
  • Plan D offering Sum Insured of Rs 25 Lacs


What are the Key Features?

  • Cover against accidental perils
  • Cover against death
  • Cover against Permanent total/partial disability
  • High sum assured options
  • Avail cumulative bonus
  • Get daily hospital cash
  • In-house claim administration
  • Global expertise
  • Lifelong renewability

What are the Plan Benefits?

Policy Benefits

    • Accidental Death (AD) is covered up to the 100% of the sum insured and it would be paid to the assigned nominee.
    • Permanent total disability (PTD) caused due to accidental bodily injury is covered as per the limits applicable under the plan.
    • Permanent partial disability (PPD) caused due to the accident is covered as per the limits mentioned.
    • Temporary total disability (TTD) caused due to the accident is covered up to the limits specified. This benefit is payable for a maximum of 100 weeks.
    • Accidental hospitalization expenses are covered up to the limits specified. It is an add-on benefit.
    • Hospital confinement allowance is provided for maximum of 30 days. It is available as an add-on cover.
    • In case of claim under AD/PTD, Children’s Education Bonus is provided for a maximum of 2 dependent children below 19 years.
    • Transportation expenses of mortal remains are covered under this policy.

    (Note: The claim payment under AD/PTD/PPD, 50% benefit is payable to spouse and 25% benefit is available for each child. The claim payment under TTD, 50% benefit is payable to the spouse.)

Value Added Benefits

    • Get cumulative bonus. 10% increase in sum insured on renewal of a claim-free policy year, to a maximum of 50% and up to 5 claim-free years.
    • Option to enhance the sum insured is available at the renewals.
    • In-house claim settlement team to ensure speedy disbursement of claims.
    • Portability benefit is available under this plan.
    • Enjoy Lifetime renewability and stay covered against accidental risks.
    • Value Added Service (VAS) offer various discount and special offers.
    • Access quality treatment at 4000+ network hospitals and 1200+ diagnostic clinics throughout India.

Sub Limits

    • Permanent total disability is covered up to 200% of the Sum Insured (SI).
    • Permanent partial disability is covered between 2% to 75% of SI, depending on the condition.
    • Temporary total disability is payable up to Rs 5,000 per week for Plan A & B. Rs 7,500 and Rs 10,000 per week is payable Plan C & D respectively.
    • Accidental hospitalization expenses are covered up to Rs 2 Lacs/3 Lacs/4 Lacs/5 Lacs for Plan A, B, C & D respectively.
    • Hospital confinement allowance of Rs 1,000/Rs 1,500/Rs 2,000/Rs 2,500 per day is payable for Plan A, B, C & D respectively.
    • Children’s Education Bonus is payable as one-time payment of Rs 5,000 for each dependent child.
    • Expenses for the transportation of mortal remains is payable up to Rs 5,000 or 2% of SI, whichever is lower.

Waiting Period Clause

    No waiting period is applicable under this policy.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years; Child: 5 Years Adult: 65 Years; Child: 21 Years
Accidental Death Sum Insured Rs 10 Lacs Rs 25 Lacs
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Freelook Period 15 Days -
Riders Accident Hospitalization Benefit, Hospital Confinement Allowance -
Plan Type Online -


  • Attempted suicide
  • Committing breach of law with criminal intent
  • Influence of drugs/other intoxicants
  • Engaging in aviation/ballooning
  • Participation in military exercises
  • War, civil war, invasion
  • STDs
  • Pregnancy, childbirth, abortion, or related complication
  • Nuclear radiation, etc.