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Bajaj Allianz Premium Personal Guard Health Insurance User Reviews

287 reviews Rate This
Bajaj Allianz
Claim Settlement Ratio92.24%
Network Hospitals7,000+
Starting Premium for Rs. 5 lakhs SIRs. 364/month
Pre-existing Disease Waiting Period2 years

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Rating of Premium Personal Guard
Based on
23 User reviews
  • Premium personal guard is very helpful

    Premium personal guard plan by bajaj allianz is superb. Right from premium to benefits covered, it has every feature to make it a good investment. I and one of my friends have purchased this plan to get cover for multiple disabilities due to accident and accidental death cover. So, i recommend it to others also.

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    Divendu Sharma
    On: Feb 26, 2020
  • Good for accident cover

    I want to thank insurancedekho guys for telling me about this plan. I was looking for this type of cover and got it at low premium and high coverage. I want to recommend it to customers because it covers disabilities and accidental death. Cumulative bonus and child education benefit are great benefits too.

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    Rohit Nagar
    On: Feb 21, 2020
  • Great for travelers

    What i liked the most about this bajaj policy is that it gives an extensive cover at low premium cost. Like, it includes Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability, and Accidental Death Cover. The add-on of hospital confinement allowance & accidental hospitalisation are also there other than child education benefit to increase benefits.

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    Dilawar Singh
    On: Feb 13, 2020
  • Good one for accidental expenses

    Premium Personal Guard is my second policy with bajaj allianz. I bought this policy as it will cover me for medical expenses incurred due to accidental injuries. I have covered my wife, and kids also under this plan. The premium amount for covering all is very less than my expectations. Recommended from my side!

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    Kaushal Singh Rawat
    On: Feb 07, 2020
  • Really new experience for me

    I am new to bajaj allianz. I was looking for a plan that covers accidental injuries and luckily got this one at reasonable premium rates. Premium personal guard is wide in coverage and customer-friendly. It is a good plan for people who travel a lot. Happy and satisfied with this policy.

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    Kishore Kumar Singh
    On: Feb 03, 2020
  • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers
  • Top class plan

    Thanks insurancedekho you helped me end my search for accident injuries insurance. Premium personal guard is definitely the one for me. The sum insured range is good, the premium charged is very less. I am getting an extensive cover and also enhancement in sum insured benefit. I highly recommend this policy.

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    Umang Gupta
    On: Jan 21, 2020
  • Recommended by a friend of mine

    I was about to buy another plan when my friend told me to choose premium personal guard instead. I must say that my choice did not prove to be wrong. With this low-cost plan, i got cover for permanent total disability, permanent partial disability, temporary total disability, and accidental death cover. The buying process was also very simple for me. High recommendations! 

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    Shaik Iliyaz
    On: Dec 26, 2019
  • Wonderful plan with add-on benefits

    First, my thanks to insurancedekho for team for their support in buying this policy. I chose this policy because it offered me coverage against injuryexpenses due to accident at less premium. Also, i liked the fact that premium personal guard comes with add-on benefits including accidental hospitalisation and hospital confinement. Overall, at very low rates i got wide coverage as i had wanted. 

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    On: Dec 18, 2019
  • Good facility by bajaj allianz

    My purchase of premium personal guard has been very smooth and simple. The plan is great, covers you for expenses incurred due to accidental injuries at low premium amount. Features are quite good. Also, the plan comes with add-on options like accidental hospitalisation benefit and hospital confinement allowance that you can easily take by paying additional premium. 

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    Pawan Pandey
    On: Dec 04, 2019
  • Great plan covering accidental injury expenses

    Premium personal guard is my second plan with bajaj allianz insurance company This is one of the best accidental covers i have found. Low premium, good coverage for family are two prime elements that i bought this plan. I will definitely recommend this policy to other people in my known. 

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    Ram Avtar
    On: Dec 03, 2019

2353 Bajaj Allianz Cashless Network Hospitals in India

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FAQ About Bajaj Allianz Health Insurance

  • How to buy and apply for Bajaj Allianz Health policy?

    You can buy and apply for any Bajaj Allianz Health Insurance Policy online from the official website of Bajaj Allianz Health Insurance at or through online broker’s website like

  • Why should I buy a Bajaj Allianz Health Insurance Policy?

    Bajaj Allianz provides a wide range of features and benefits to its customers. Some of them are- 1. Peace of mind: It keeps your family financially protected against unforeseen health care expenses. 2. Get the best medical care: The health insurance plans enable you to get treatment from the best hospitals and doctors. 3. Cashless settlement: You can get cashless treatment at any of the network hospitals after informing the company. 4. Hassle-free claims: Bajaj Allianz has a hassle-free claim process. You can benefit from the following: a. 24x7 on-call support. b. An in-house Health Administration Team to ensure a quick claim settlement process. c. Cashless settlements in under one hour. d. One of the highest claims settlement ratios among health insurance providers in India. e. Health CDC benefit: Quick claim settlement through the app. 5. Comprehensive coverage: Affordable health insurance policies that cover you and your family against medical expenses, critical illnesses, and accidents. 6. Affordable plans: Maximum coverage at a price that is easy on the pocket. 7. Preventive care: Free medical check-ups once every three claim-free years. 8. Ease of transaction: Buy or renew your policy in just a few clicks online.

  • What is covered under hospitalisation in Bajaj Allianz Health Insurance?

    Following things are covered under hospitalisation in Bajaj Allianz Health Insurance: 1. Room rent 2. Doctor’s fee 3. Nursing expenses 4. ICU charges 5. Operation theatre 6. Diagnostics 7. Medicines

  • What are the benefits provided by Bajaj Allianz Health Insurance?

    People choose Bajaj Allianz health insurance because it provides them: 1. Cashless treatment at 6,000+ network hospitals 2. Tax saving benefit under Sec 80D 3. Claim settlement in an hour (terms and conditions applied) 4. In-house health administration team

  • What is the toll-free customer care number of Bajaj Allianz Health Insurance?

    The toll-free number of Bajaj Allianz Health Insurance is 1800-209-5858.

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Bajaj Allianz Health Insurance Contact Details

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