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Lifestyle Modification with Accidental Cover Plan

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Accidents are a common occurrence and may often result in damage or permanent disability. These accidents do not just pertain to the human body, you might also need to modify your assets such as vehicles and houses to accommodate the injury. However, these costs may often seem expensive and impose a financial strain on families.
Bajaj Finance brings you Group Guard Insurance Policy - Lifestyle Modification under Personal accidental Cover from Bajaj Allianz General Insurance Co. Ltd. which provides lifestyle modification under a personal accidental cover with a sum insured up to Rs. 1 lakh.

Plan Details


Coverage

Sum Insured up to

Premium (including GST)


Accidental Death coverage

Rs. 1 lakh

Rs. 744


Transportation of Mortal Remains

Rs. 10,000


Funeral Expenses

Rs. 10,000


Permanent Total Disability

Rs. 1 lakh


Lifestyle modification

Rs. 1 lakh


Permanent Partial Disability

Rs. 1 lakh


Temporary Total Disability

Rs. 1 lakh


Child care

Rs. 1 lakh


Parental cover

Rs. 1 lakh


Accidental Hospitalization
(Pre 60 Days & Post 90 days Hospitalization)

Rs. 1 lakh

What's Covered

  • Money-in-bank

    Coverage against death

    A personal accident insurance takes care of you and your family against unforeseen accidents and even death as per the opted sum insured.

  • Money-in-bank

    Permanent Total Disability (PTD)

    A personal accident insurance protects you and your loved ones by providing extensive coverage against accidental injuries (PTD).

  • Money-in-bank

    Permanent Partial Disability (PPD)

    If the policyholder sustains an accidental bodily injury which directly and independently of all other causes results in permanent partial disability within twelve months from the date of the accident, then the policyholder is eligible for a payout.

  • Money-in-bank

    Temporary Total Disability (TTD)

    If the policyholder sustains an accidental bodily injury which directly and independently of all other causes results in completely preventing the policyholder from pertaining to their employment or occupation then the policyholder will be paid weekly coverage as opted under “temporary total disability” in the certificate of insurance. The insured will get weekly payments for the disability period as specified by the treating doctor, beginning from the date of the injury subject to a maximum period of 100 weeks.

  • Money-in-bank

    Child Care Coverage

    With child care cover the insurance gives protection to the surviving beneficiary, as a lump sum coverage amount towards the cost of education or care of the policyholder’s dependent children.

  • Money-in-bank

    Parental Care Coverage

    If the policyholder sustains an accidental bodily injury that directly and independently of all other causes results in permanent partial disability within twelve months from the date of the accident, then the policyholder is eligible for a payout.

  • Money-in-bank

    Accidental Hospitalisation

    Any stay in the hospital for an injury due to an accident without undertaking any treatment. Any hospitalization for accidental injury aggravated by an existing disability or pre-existing illness, condition or injury.

What is Not Covered / Exclusions

  • 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 or circus personnel

*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.

How to Apply

Click on ‘Apply Now’ button and share your basic details in the online application form

Check and confirm your application by entering the OTP received on your mobile number

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode

You will receive the details of your membership via email/WhatsApp

Claim process

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

Contact Us

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.

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