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Bajaj Allianz Global Personal Guard Policy

Recent times have proven the necessity of acquiring health insurance to handle unfortunate medical emergencies. Sudden emergencies can drain your savings, especially if you are the family's sole bread earner. A proper health cover ensures an adequate and appropriate health treatment for you and your family without worrying about the medical expenses.

Bajaj Allianz General Insurance Company Ltd. offers a Global Personal Guard Policy: a perfect plan that guards you against all these hardships. This plan aims to offer global coverage in case of death, disability and injuries due to accidents. This policy is true to its name, giving you a world of protection.


Key features and benefits

  • One plan, multiple options

    The plan offers three base and 12 optional coverage options enabling the customers to choose from these base and optional plans.

  • 360-degree protection

    Provides financial protection for adventure sports such as air-based sports, water sports, mountain sports, racing sports, etc. The plan also offers air ambulance and coverage against disappearance if the insured person is missing. It also provides an EMI payment option along with a loan protector.

  • Permanent total disability

    The policy provides coverage if the policy owner sustains a serious accidental bodily injury during the policy term that directly or independently causes permanent total disability within 12 months from the date of the accident. The insurer will provide the coverage based on the list of permanent disabilities mentioned in the policy document.

  • Permanent partial disability

    Suppose the policyholder sustains a critical accidental bodily injury that directly or independently causes permanent partial disability during the policy term within 12 months from the date of the accident. In that case, the insurance company will pay some amount (in percentage) to the policyholder.

  • Accidental hospitalisation expenses

    This is an optional coverage that protects you against medical expenses incurred if you are hospitalised for a minimum of 24 hours or have undergone any of the listed day-care procedures because of an accidental injury. Pre- and post-hospitalisation expenses are also covered in this case.

  • Adventure sports benefit

    This policy provides an optional cover against death or permanent total disability caused by accidental bodily injury while engaged in any non-professional adventure sports under supervision.

  • Air ambulance cover

    The optional air ambulance cover will pay for emergency air ambulance expenses from the accident site to the nearest hospital.

  • Loss of income due to disability

    This policy covers you against loss of income due to disability as a result of an accidental injury.

  • Children's education benefit

    Children's education benefit is an optional cover that is payable towards the cost of education of your dependent children in case of death or permanent disability due to an accident.

  • Coma cover

    If you are unconscious due to an accidental injury, this policy provides an optional cover up to the sum insured.

  • EMI payment cover

    As per the policy terms, you can opt for this optional cover to insure your active EMI for 3 months in case of permanent partial disability due to an accidental injury.

  • Fracture cover

    Children education benefit is an optional cover that is payable towards the cost of education of your dependent children, in case of death or permanent disability due to an accident.

  • Hospital cash benefit

    Under this optional cover, in case of hospitalisation due to an accidental injury, you are eligible for a daily benefit amount for up to 60 days.

  • Loan protect cover

    You can opt to receive an amount corresponding to the outstanding balance amount of your loan specified in the policy up to the sum insured opted under this optional cover.

  • Travel expenses benefit

    In case of hospitalisation due to accidental injury outside your city of residence, this optional cover would pay for travel expenses of a family member, up to the sum insured opted.

  • Tax benefits

    The health insurance plan offers tax exemptions under Section 80D of the Income Tax Act.

Policy details

Bajaj Allianz Global Personal Guard Policy
Policy type Individual/family floater (For the customers of Bajaj Finance Ltd)
Entry age Adults: 18 to 70 years
Children: 3 months to 25 years
Renewal Lifetime renewable
Policy term One, two, and three years
Sum insured Rs. 50 lakh - Rs. 2 crore

Plans available

Health insurance helps you be stress-free while dealing with medical contingencies due to sickness and accidental injuries. The plans are available starting from Rs. 3,197, with maximum coverage of Rs. 2 crore.

How to purchase the policy?

To purchase the policy, follow these steps:

  • To apply for the product, click on 'Apply Now' and fill in the necessary details
  • Make the fee payment online using your preferred mode of payment
  • Fill in your name and mobile number
  • Complete the process by clicking 'Buy Now', you can also request a call back

List of documents required to buy the policy

The following mandatory documents will be needed to purchase the policy:

  • Photograph of the applicant
  • Age proof, such as birth certificate, voter's ID, PAN card, passport, etc.
  • Identity proof, such as passport, Aadhaar card, PAN card, voter's ID, etc.
  • Income proof, such as Form 16, salary slips, employment certificate, etc.
  • Address proof, such as telephone bill, electricity bill, passport, bank statement, voter's ID, etc.
  • Medical test that the insurer requires you to undergo

How to process the claim?

Cashless claims

Cashless treatment is only available at a network hospital registered with Bajaj Allianz. To avail of the cashless treatment, the following procedure must be followed:

  • Approach the network hospital with your policy details.
  • The hospital will verify your details and send a pre-authorisation form to the insurer.
  • The insurer will verify the pre-authorization request and convey the policy coverage and other details to the hospital.

Planned hospitalisation
  • The insured member should intimate such admission at least 72 hours before the planned admission.
  • In case of emergency hospitalisation, the insured member or his representative should intimate the insurance provider within 24 hours of admission.
  • The insurer will send you or the network hospital a pre-authorisation letter. The pre-authorisation letter, the ID card issued to you along with this policy, and any other information or documentation that the insurer has specified must be produced to the network hospital identified in the pre-authorisation letter at the time of your admission to the same.
  • If the procedure above is followed, you will not be required to directly pay for the medical expenses above the aggregate deductible in the network hospital.
  • Original bills and evidence of treatment in respect of the same shall be left with the network hospital.

Reimbursement claims

If the insurer denies pre-authorisation under the cashless claim procedure mentioned above or if treatment is taken in a hospital other than a network hospital, or if you do not wish to avail the cashless facility, then the following procedure must be followed:

  • You or someone claiming on your behalf must inform the insurer in writing immediately within 48 hours of hospitalisation.
  • The hospital will send all the documents to the insurer
  • In the event of the insured person's death, someone claiming on his behalf must inform the insurer in writing immediately and send a copy of the post-mortem report (if any) within 30 days.
  • The insurer shall not indemnify you for any period of hospitalisation of fewer than 24 hours, except for day-care procedures.
  • The insurer shall make claim payments in Indian rupees only.

List of documents required for claim

The following mandatory documents will be needed to claim the policy:

  • A consultation letter from the doctor
  • Duly completed claim form and NEFT form signed by the claimant
  • Original hospital discharge card
  • Original hospital bill giving a detailed break-up of all expense heads mentioned in the bill with clear break-ups for OT charges, doctor's consultation and visit charges, OT consumables, transfusions, room rent, etc.
  • Original money receipt duly signed with a revenue stamp
  • Original laboratory and diagnostic test reports like X-ray, ECG, USG, MRI scan, hemogram, etc.
  • In case of a cataract operation, IOL sticker will have to be enclosed
  • Claim settlement letter from any other insurer (if any) in case of partial settlement
  • In cases of suspected fraud/misrepresentation, the insurer may call for any additional document(s) in addition to the documents listed above
  • Aaadhar card and PAN card copies (not mandatory if the same is linked with the policy while issuance or in the previous claim)

Major policy exclusions

  1. Ailments that require treatment due to use or abuse of any substance, drug, or alcohol and treatment for de-addiction.
  2. Circumcision, unless required for the treatment of illness or accidental bodily injury.
  3. Cost of spectacles, contact lenses, hearing aids, crutches, artificial limbs, dentures, and artificial teeth, except for intrinsic fixtures used for orthopaedic treatments such as plates and K-wires.
  4. Human Immunodeficiency Virus or variant/mutant viruses and/or any syndrome or condition of a similar kind commonly referred to as AIDS.
  5. Plastic surgery unless necessary for the treatment of cancer, burns, or accidental bodily injury.
  6. Treatment for any mental illness or psychiatric illness and Parkinson's disease.
  7. Vaccination or inoculation, unless forming a part of post-bite treatment or, if medically necessary, forming part of the treatment recommended by the treating doctor.
  8. Waiting period:
  9. • Initial waiting period: 30 days
    • Pre-existing waiting period: 3 years
    • Specific illness restriction: 2 years

  10. Refer to the policy brochure to know further exclusions in detail.

Claim/assistance contact details

BFL helpline number:  08698010101

Bajaj Allianz General Insurance helpline number:  1800-209-0144 /1800-209-5858


Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

*For claim related issues, please refer to your policy document or certificate of insurance (COI).


Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and 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 Global Personal Guard Policy, UIN: IRDAI/HLT/BAGI/P-P/V.I/30/14-15. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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