Bajaj Allianz Premium Personal Guard Health Insurance

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.

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

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

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.

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.

The sum insured range under Premium Personal Guard policy starts from Rs. 10 Lakh and goes up to Rs. 25 Lakh. 

Premium Personal Guard policy is available for Risk Class - I, comprising Accountants, Doctors, Lawyers, Architects, Administrative/Managing Functions, Teachers and Occupations like such. 

Premium Personal Guard is an annual policy.

Lifetime renewal benefit for Premium Personal Guard is available under normal circumstances, provided that there are no cases of fraud, misrepresentation or moral hazard.

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. 

Under Premium Personal Guard, the add-ons for which you get covered include Hospital Confinement Allowance and Accidental Hospitalization Expenses.

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.

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.