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Product highlights
Annual premium starting at Rs. 230, coverage up to Rs. 25 lakh
Accidental death coverage
Covers permanent total disablement due to accident
One year policy tenure
Exclusively for Bajaj Finance customers
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Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits
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Features and benefits of Personal Accident Cover
Secure yourself with a Personal Accident Cover. Explore benefits!
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Coverage up to Rs. 25 lakh, premium starts at Rs. 230
Choose from three premium variants to get coverage that fits your requirement. The premium for coverage of Rs. 25 lakh is Rs. 575, for Rs. 20 lakh is Rs. 460, and Rs. 10 lakh is Rs. 230.
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Death and disability cover
100% coverage of the sum insured in case of accidental death or disablement.
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Accidental hospitalisation coverage
Get coverage for medical expenses incurred during accidental hospitalisation.
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Disability coverage
In case of an accident resulting inpermanent total disablement, the insured will get 100% and 50% of the total sum insured respectively.
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End-to-end online process
Buy the policy easily in just six simple steps online.
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No documents required to buy the policy
When buying the Personal Accident Cover, you do not need to present any documents at the time of making the purchase.
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Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Personal Accident Cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 - 55 years
Documents required
No documents are required to buy the policy.
Simply provide the following details at the time of buying the policy:
- Name
- Address
- Email address
- Mobile number
Step-by-step guide to buy this policy
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How to apply for Personal Accident Insurance plan
Watch this video to know how you can buy the plan online in minutes.
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 4
If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.
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Step 5
At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.
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Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.
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Policy details
Here’s a quick look at the policy details of Personal Accident Cover:
- Premium of Rs. 230
- Premium of Rs. 460
- Premium of Rs. 575
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 10 lakh |
| Premium including GST (in Rs.) | 230 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 20 lakh |
| Premium including GST (in Rs.) | 460 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 25 lakh |
| Premium including GST (in Rs.) | 575 |
| Policy tenure | 1 year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions of Personal Accident Cover:
- Key inclusions
- Key exclusions
| Key Inclusions | Description |
|---|---|
| Accidental death | Cover provides sum insured in case of accidental death |
| Permanent disability | Cover provides up to the sum insured in case of permanent total disability based on policy specifications. |
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | No coverage for pre-existing medical illness |
| Suicide | Any intentional act of self-inflicted harm (whether sane or insane) |
| Venereal or sexually transmitted disease | Death or disability directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease |
| Accidental in-patient hospitalisation | Any accidental in-patient hospital expenses. |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (Aditya Birla Health Insurance) to claim the benefits of the Personal Accident Cover by email or phone:
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Insurer’s email address
Share your policy document and medical reports at care.healthinsurance@adityabirlacapital.com
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits.
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Documents required to claim
To claim the benefits of Personal Accident Cover, you need to present the following documents:
1. The policy document received at the time of purchase
2. Medical certificates and reports received from the doctor
3. Invoice/bills -
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
What does the Personal Accident Cover provide?
Personal Accident Cover is an insurance product from Aditya Birla Health Insurance offered through Bajaj Finance. It provides a financial payout to the policyholder’s beneficiaries in case of their accidental death or disablement.
What are the advantages of Personal Accident Cover?
The Personal Accident Cover provides policyholders to provide for their family in case of their accidental death or get the financial support necessary in case they suffer from a total disability that hinders their quality of life and employment.
What is the claim process for Personal Accident Cover?
You can contact the insurer by writing to them at care.healthinsurance@adityabirlacapital.com or calling on the toll-free number 1800-270-7000.
What is the coverage under Personal Accident Cover?
The plan provides coverage for accidental death and disability. It provides the sum insured on the basis of the nature of the disability as per the policy document.
What is the policy tenure of Personal Accident Cover?
The Personal Accident Cover has a policy tenure of one year.
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Insurance glossary
Expiry date
Expiry date means the date on which a policy expires as specified in the Policy Schedule.
Eligibility
Eligibility means the provisions of the policy that state the requirements to be complied with.
Policy year
A period of 12 consecutive months within the policy period commencing from the inception date.
Certificate of Insurance
The document issued by the insurer confirming the policy purchase and the financial protection that it provides.
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 Aditya Birla Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage with Group Activ Secure with UIN IRDAI/HLT/ABHI/P-H(G)/V.I/18/2016-17. 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.
Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.
