Personal Accident & Accidental Hospitalization Cover

A travel insurance plan can significantly reduce adverse impact of unforeseen situations up to a great extent and assure peace of mind. Offered under Pocket Insurance & Subscriptions, Group Guard Insurance Policy - Personal Accident cover from Bajaj Allianz General Insurance Co. Ltd., provides accidental death benefit, permanent partial disability and accidental hospitalisation with a sum insured up to Rs. 1,00,000.

Accidental Cover with Accidental Hospitalization

Sr.no	Coverage	Sum Insured (Rs.)	Premium Including GST (Rs.)
1	Accidental Death	100,000	589
2	Permanent Total Disability	100,000
2.1	Lifestyle modification	100,000
3	Child care	100,000
4	Parental benefit	100,000
5	Accidental Hospitalization (Pre 60 Days & Post 90 days Hospitalization)	100,000

*Premium rates are Incl. of 18% GST

1. Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness,
2. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
3. Through deliberate or intentional, unlawful or criminal act, error, or omission, participation in an actual or attempted felony , riot , crime , misdemeanour , 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, sky diving, deep-sea diving.
4. Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs,
5. As a result of any curative treatments or interventions that you carry out or have carried out on your body,
6. Arising out of your participation in any police ,naval, military or air force operations whether peace or in 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; or Whilst engaging in aviation or ballooning, whilst 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,
7. Any Pre-existing injuries and complications arising out of or resulting therefrom;
8. Your consequential losses of any kind or your actual or alleged legal liability.
9. Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
10. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel,
11. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment,
12. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or Scheduled Airlines
13 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

Specific Exclusion 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 Inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner 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/ 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 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, sky diving, 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 Condition not covered
Pre-existing Condition means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / 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 E-mail –  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 pocketservices@bajajfinserv.in.

Disclaimer- *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 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 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.”