Aditya Birla Health Insurance

Aditya Birla Health Insurance - Personal Accident Cover starting at Rs. 230

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

Features and benefits of Personal Accident Cover 00:42

Features and benefits of Personal Accident Cover

Secure yourself with a Personal Accident Cover. Explore benefits!

  • Coverage up to Rs. 25 lakh, premium starts at Rs. 230

    Coverage up to Rs. 25 lakh, premium starts at Rs. 230

    Choose from three premium variants to get coverage that fits your requirement. The premium for coverage of Rs. 25 lakh is Rs. 575, for Rs. 20 lakh is Rs. 460, and Rs. 10 lakh is Rs. 230.

  • Death and disability cover

    Death and disability cover

    100% coverage of the sum insured in case of accidental death or disablement.

  • Accidental hospitalisation coverage

    Accidental hospitalisation coverage

    Get coverage for medical expenses incurred during accidental hospitalisation.

  •  Disability coverage

    Disability coverage

    In case of an accident resulting in permanent total disablement, the insured will get 100% and 50% of the total sum insured respectively.

  • End-to-end online process

    End-to-end online process

    Buy the policy easily in just six simple steps online.

  • No documents required to buy the policy

    No documents required to buy the policy

    When buying the Personal Accident Cover, you do not need to present any documents at the time of making the purchase.

Show More Show Less

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Personal Accident Cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.

Eligibility criteria

  • Exclusively for Bajaj Finance customers
  • Nationality: Indian
  • Age: 18 - 55 years

Documents required

No documents are required to buy the policy.
Simply provide the following details at the time of buying the policy:

  • Name
  • Address
  • Email address
  • Mobile number

Step-by-step guide to buy this policy

How to apply for Personal Accident Insurance plan 00:37

How to apply for Personal Accident Insurance plan

Watch this video to know how you can buy the plan online in minutes.

  • Step 1

    Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.

  • Step 6

    Step 6

    After the payment is successful, you can download the policy receipt instantly.

    Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.

Show More Show Less

Policy details

Here’s a quick look at the policy details of Personal Accident Cover:

  • Premium of Rs. 230
  • Premium of Rs. 460
  • Premium of Rs. 575
Policy details Description
Sum insured (in Rs.) 10 lakh
Premium including GST (in Rs.) 230
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 20 lakh
Premium including GST (in Rs.) 460
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 25 lakh
Premium including GST (in Rs.) 575
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions of Personal Accident Cover:

  • Key inclusions
  • Key exclusions
Key Inclusions Description
Accidental death Cover provides sum insured in case of accidental death
Permanent disability Cover provides up to the sum insured in case of permanent total disability based on policy specifications.
Key exclusions Description
Any pre-existing disease No coverage for pre-existing medical illness
Suicide Any intentional act of self-inflicted harm (whether sane or insane)
Venereal or sexually transmitted disease Death or disability directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease
Accidental in-patient hospitalisation Any accidental in-patient hospital expenses.

How to claim

You can contact the insurer (Aditya Birla Health Insurance) to claim the benefits of the Personal Accident Cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits.

  • Documents required to claim

    Documents required to claim

    To claim the benefits of Personal Accident Cover, you need to present the following documents:
    1. The policy document received at the time of purchase
    2. Medical certificates and reports received from the doctor
    3. Invoice/bills

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

What does the Personal Accident Cover provide?

Personal Accident Cover is an insurance product from Aditya Birla Health Insurance offered through Bajaj Finance. It provides a financial payout to the policyholder’s beneficiaries in case of their accidental death or disablement.

What are the advantages of Personal Accident Cover?

The Personal Accident Cover provides policyholders to provide for their family in case of their accidental death or get the financial support necessary in case they suffer from a total disability that hinders their quality of life and employment.

What is the claim process for Personal Accident Cover?

You can contact the insurer by writing to them at or calling on the toll-free number 1800-270-7000.

What is the coverage under Personal Accident Cover?

The plan provides coverage for accidental death and disability. It provides the sum insured on the basis of the nature of the disability as per the policy document.

What is the policy tenure of Personal Accident Cover?

The Personal Accident Cover has a policy tenure of one year.

Show More Show Less


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 Aditya Birla Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage with Group Activ Secure with UIN IRDAI/HLT/ABHI/P-H(G)/V.I/18/2016-17. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.