Bajaj Allianz Premium Personal Guard Health Insurance

Claim Settlement Ratio | 92.24% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 6,500+ |
Policies Sold | 5,31,046 |
Renewability | Lifelong |
About Bajaj Allianz Premium Personal Guard Health Insurance
Premium Personal Guard is one of the popular policy by Bajaj Allianz. An excellent solution to prevent financial instability, in case one meets an accident, the policy covers medical expenses incurred due to accidental injuries. An annual policy, Premium Personal Guard ensures that you don’t have to worry about expenses related to bodily injury and even death, due to an accident. A superior option to secure family, Premium Personal Guard comes in the form of variants, namely Plan A, Plan B, Plan C, and Plan D, which vary in their sum insured amount as well as coverage. Talking about sum insured options covered, the range starts from Rs. 10 Lakh and goes up to Rs. 25 Lakh.
An ideal way to become secure and leave all forms of insecurities behind, Premium Personal Guard lets you cover your spouse and dependent children, apart from yourself, and that too at a minimal premium amount. Under this medical insurance policy, you can gain comprehensive coverage against accidents and have financial support at a time when you need it the most. Reliable and customer-friendly, Premium Personal Guard is the ideal policy you can find in terms of cost-friendliness and convenience.
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Key Inclusions and Exclusions of the Plan
What's Included
- Extensive cover - Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability, Accidental Death Cover
- Enhancement in sum insured at the time of policy renewal
- Cumulative bonus - 10% bonus up to limit of indemnity for every claim free year, up to 50% of sum insured
- Add-on covers - Hospital Confinement Allowance & Accidental Hospitalisation
- Child Education Benefit - Rs. 5,000 per child in case of death or Permanent Total Disability
What's Not Included
- Venereal or sexually transmitted diseases
- Injury/disablement/death directly or indirectly owing to or contributed to any pre-existing condition
- Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of these
- War, civil war, invasion, act of foreign enemies, rebellion, revolution, mutiny, military or usurped power, seizure, capture, arrest, others
- Accidental bodily injury owing to suicide, attempted suicide or self inflicted injury or illness or while under the influence of liquor or drugs
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Add-ons to Enhance Benefits
Accidental Hospitalisation Benefit
In case of hospitalisation due to an accidental bodily injury, reasonable and customary medical expenses incurred up to a maximum sum insured are reimbursed. Expenses reimbursed include inpatient accommodation, nursing care, the attention of medically qualified staff, medically necessary procedures and medical consumables. Also included are ambulance charges for carrying the insured member from the site of accident to the nearest hospital, subject to a limit of Rs. 1,000 per claim.
Hospital Confinement Allowance
If opted for, Hospital Confinement Allowance allows you sum insured opted for each complete calendar day that you or your family member had to be hospitalized for medical reasons, due to accidental bodily injury met with. Under this add-on, the maximum period for allowance would not exceed 30 days, during any one policy period for each insured member. The per day allowance benefit will be 50% for spouse & 25% for child, provided spouse as well as the child are covered under the policy.
Bajaj Allianz Premium Personal Guard Expert Review
Expert Review
True to its name Premium Personal Guard, Bajaj Allianz’s personal accident insurance is a great means to secure oneself during a medical crisis. Helping one cope financial shortcomings at the time of a mishappening, Premium Personal Guard comes across as the ultimate support one can rely on to deal with bodily injury or death caused due to accident. The policy is quite affordable and provides the much-desired security for the future & peace of mind to you and your family. All in all, it is an investment worth opting for to sustain unexpected risks.
The eligibility range for Premium Personal Guard is 18 years to 65 years. Dependent children, aged between 5 years to 21 years can also be covered under policy. Premium Personal Guard is an annual policy that helps you secure the future of self, spouse, and dependent children at a low premium rate. Talking about sum insured options, Premium Personal Guard provides you with a wide range starting from Rs. 10 Lakh up to Rs. 25 Lakh under four plan options, namely Plan A, Plan B, Plan C, and Plan D.
Major Attractions
Premium Personal Guard is a superior personal accident insurance policy that provides comprehensive coverage to you. Known for offering a series of beneficial features to provide a complete experience to the insured and their family, Premium Personal Guard is the perfect helping hand that one may need to deal with an unforseen situation. On buying this policy, you gain -
- Coverage for Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability, Accidental Death Cover
- Transportation of mortal remains - Less than Rs. 5,000 or 2% of the sum assured
- Cumulative bonus - 10% bonus up to limit of indemnity for every claim free year, up to 50% of sum insured
- Child Education Benefit - Rs. 5000 per child in case of death or Permanent Total Disability
- Enhancement in sum insured at the time of policy renewal
- Add-on Cover of Hospital Confinement Allowance - Rs. 1000 to Rs. 2500 as per the plan opted per day for a maximum of 30 days of hospitalisation
- Add-on Cover of Accidental Hospitalisation - Reimbursement of the cost of medical expenses owing to accidental injury up to sum insured
What’s More?
There’s no doubt that Premium Personal Guard proves to be the ultimate savior, especially at a time when you can’t bear concerns related to finance. Other than its multiple benefits, the personal accident insurance offers a wide array of features that add a significant value to the plan and enhance its importance in a massive way. The additional features of Premium Personal Guard include -
- Lifetime renewal
- Grace period - 30 days
- Free look period - 15 days
- Simple and hassle-free claim process
- Change of plan allowed at renewal time
- Plan portability allowed as per IRDAI guidelines
- Tax benefits as per Section 80D of the Income Tax Act
Conclusion
If you have ever doubted being in a situation that relates to the one in Premium Personal Guard, opt for it as it will grant you with immense peace of mind, even if your mental condition is quite the opposite.
Those looking forward to buying the policy online, it would be the ideal choice to go with to enable quick policy issuance. Also, you can rely on InsuranceDekho for the same and make the most of policy portability & transparency, claim settlement support, and other benefits offered.

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FAQs on Premium Personal Guard Health Insurance Plan
What is the minimum and maximum entry age for Premium Personal Guard?
While the minimum entry age for adults under Premium Personal Guard is 18 years, the maximum entry age is 65 years.
Does Premium Personal Guard provide cover for children?
Under Premium Personal Guard, you can easily get your dependent children covered, provided they belong to the age range of 5 years to 21 years.
What is the sum insured range under Premium Personal Guard?
The sum insured range under Premium Personal Guard policy starts from Rs. 10 Lakh and goes up to Rs. 25 Lakh.
Who can buy Premium Personal Guard policy?
Premium Personal Guard policy is available for Risk Class - I, comprising Accountants, Doctors, Lawyers, Architects, Administrative/Managing Functions, Teachers and Occupations like such.
What is the policy term for Premium Personal Guard?
Premium Personal Guard is an annual policy.
Is Premium Personal Guard renewable for life?
Lifetime renewal benefit for Premium Personal Guard is available under normal circumstances, provided that there are no cases of fraud, misrepresentation or moral hazard.
What all is covered under Premium Personal Guard?
Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), Temporary Total Disability (TTD), Transportation of Mortal Remains, Children's Education Bonus, and Cumulative Bonus are the prime elements covered under Premium Personal Guard apart from add-on covers.
What are the add-ons covered under Premium Personal Guard?
Under Premium Personal Guard, the add-ons for which you get covered include Hospital Confinement Allowance and Accidental Hospitalization Expenses.
Does Premium Personal Guard come with renewal benefit?
Yes! An insured is applicable for cumulative bonus of 10% of sum insured for every claim free year. Note that the maximum cumulative bonus is 50% of sum insured, up to 5 claim free years.
Can I buy Premium Personal Guard online?
Yes! If you want to buy Premium Personal Guard, you can visit the official website of Bajaj Allianz. If interested, you can also get in touch with InsuranceDekho experts at 1800 1205 698 to gain detailed information.