Accidental Cover with Child Care

One of the most important jobs of parenting is to ensure the wellbeing of children in all circumstances. In unforeseen events such as accidents, a personal accident cover that provides child care coverage can offer a significant financial cushion.
Bajaj Finance brings to you Group Guard Insurance Policy - Personal Accident cover from Bajaj Allianz General Insurance Co. Ltd., which provides cover after accidents and child care coverage with a sum insured up to Rs. 2 lakh.

Coverage		Sum Insured up to	Premium (including GST)
Accidental death coverage		Rs. 2 lakh	Rs. 693
Transportation of Mortal Remains		Rs. 50,000
Funeral Expenses		Rs. 50,000
PTD		Rs. 2 lakh
Lifestyle modification		Rs. 50,000
PPD		Rs. 2 lakh
TTD		Rs. 2 lakh
Child Care		Rs. 2 lakh
Parental Cover		Rs. 2 lakh

• Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness
• Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• Through deliberate or intentional, unlawful or criminal act, error, or omission, participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion
• Hazardous or adventure sports: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, skydiving, or deep-sea diving
• Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs 
• As a result of any curative treatments or interventions that you carry out or have carried out on your body
• Arising out of your participation in any police, naval, military or air force operations whether in peace or war in the form of military exercises or war games or actual engagement with the enemy 
• Whether foreign or domestic operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or scheduled airlines 
• Whilst engaging in aviation or ballooning, mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
• Any pre-existing injuries and complications arising out of or resulting therefrom
• Your consequential losses of any kind or your actual or alleged legal liability
• Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel
• The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment
• Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or scheduled airlines
• War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority
• Any injury occurring while working in underground mines or explosive magazines, or involving electrical installation with high tension supply or as jockey's circus personnel

Specific exclusions applicable to section “Accidental Hospitalisation Expenses” 

1. Any hospitalization for an existing disability from a previous accident which has occurred prior to the first inception of this certificate of insurance.
2. Medical expenses where in-patient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioners round the clock. This exclusion is however not applicable for any day care treatment taken for the accidental bodily injury in a day care centre or hospital. 
3. Vaccination and inoculation of any kind unless forming part of treatment for Injury due to an accident as prescribed by the medical practitioner. 
4. Dietary supplements and substances which are available naturally and that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a medical practitioner.
5. Cosmetic or plastic surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless as a part of medically necessary treatment. For this to be considered a medical necessity, it must be certified by the attending medical practitioner for reconstruction following an accident, burn(s) or cancer. 
6. Treatment taken from persons not registered as medical practitioners under respective medical councils. 
7. Any other medical or surgical treatment except as may be necessary solely as a result of injury. 
8. Any treatment taken outside India. 
9. Hazardous or adventure sports: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, skydiving, or deep-sea diving. 
10. Dental treatment or surgery of any kind unless as a result of accidental bodily injury to natural teeth and also requiring hospitalization.
11. Unproven treatments: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.

*For a full list of exclusions, please refer to the policy wordings.

Pre-existing conditions are not covered
Pre-existing condition means any condition, ailment or injury or related condition(s) for which there were signs or symptoms or were diagnosed, or for which medical advice or treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.

You can raise a claim by reaching out to the insurer via one of the following ways:

• Insurer's Email - customercare@bajajallianz.co.in
• Insurer's Toll-free number - 1800-209-1021

In case you have any queries related to coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com

Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. Our partner Insurance Company provides the insurance coverage. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The benefits mentioned above and the premium amount are subject to various factors such as the age of insured, lifestyle habits, health, etc. (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance, and any claims post-sale. This product provides insurance coverage under Bajaj Allianz General Insurance Co. Ltd. Group Guard Insurance policy, UIN: BAJHLGP20109V011920. Please refer to the insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to purchase any third-party products mandatorily.