Global Accident Insurance: Bajaj Allianz Global Personal Guard Policy

The recent times have proved the necessity of securing a health insurance, in order to be prepared to handle unfortunate medical emergencies or sudden accidents. Sudden emergenices can burn a huge hole in your pocket, especially if you are a sole breadwinner of the family. A proper health cover ensures an adequate and proper health treatment for you and your family, without worrying about the medical expenses.

Bajaj Allianz’s General Insurance Company Ltd offers a perfect plan known as “Global Personal Guard Policy” that guards you from 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 and is one policy giving you a world of protection.

Key Features & Benefits

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  One plan multiple options:

  The plan offers 3 base and 12 optional coverage options, and gives the freedom to customers to select from these base and optional plans.

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  360 Degree Protection:

  Provides financial protection for several adventure sports such as – sky sports, water sports, mountain sports, racing sports, etc. The plan also offers air ambulance, the disappearance of the insured person, EMI payment and loan protector.

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  Permanent Total Disability:

  In case the policy owner sustains a serious accidental bodily injury throughout the policy term which directly or independently causes permanent total disability within 12 months from the date of that accident, then the insurer will agree to pay based on the list of permanent disabilities mentioned in the policy document.

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  Permanent Partial Disability:

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

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  Accidental hospitalisation expenses

  This is an optional coverage that protects you against medical expenses incurred in case 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.

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  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.

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  Air Ambulance Cover

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

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  Loss of Income due to disability

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

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  Children education benefit:

  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.

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  Coma Cover

  In case you are in a comatose state due to an accidental injury, this policy provides an optional cover up to the sum insured.

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  EMI payment cover

  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, as per the policy terms.

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  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.

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  Hospital Cash benefit

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

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  Loan Protect Cover

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

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  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.

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  Tax Benefits:

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

Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries. The plans are available starting from Rs. 3197, with maximum coverage of Rs. 2 crore, to know more about the premium rates in detail please click

• To apply the Bajaj Allianz Global Personal Guard Policy, click on the “Apply Now” button and fill in your basic and health details.
• Ensure that the information given in the form is complete and accurate.
• You may be required to undergo a pre-policy medical examination at our network diagnostic centers.
• 100% of the cost of the pre-policy medical examination will be refunded if the policy is issued
• Policy schedule, policy wordings, cashless cards and health guide will be sent to your mailing address.

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.

1. Ailments requiring 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, 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, Parkinson's disease.
7. Vaccination or inoculation unless forming a part of post-bite treatment or if medically necessary and forming a part of the treatment recommended by the treating doctor.
8. Refer to the policy brochure to know further exclusions in detail.