{"uin":"BAJHLGP27083V022627","name":"Global Personal Guard Policy (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Group","kind":"product","status":"active","approved_on":"2016-05-12","withdrawn_on":null,"summary":"Global Personal Guard Policy (Group) is a group personal accident policy with mandatory base covers for accidental death, permanent total disability or permanent partial disability. The group policy is generally for twelve months, and optional covers include accidental hospitalization expenses, hospital cash, ambulance, education, loan protector, loss of income and travel expenses.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:03:15.470713+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording lists base covers and optional covers, but no named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The duration of a Group Policy is twelve months. The wording also states credit-linked cover may run up to 1/2/3/4/5 years and non-credit-linked cover up to 1 year; short-period covers less than twelve months may be granted.","display":"Group policy: 12 months; credit linked: up to 1/2/3/4/5 years; non-credit linked: up to 1 year","note":"The same wording also permits short-period cover for periods less than twelve months.","quote":"Credit linked - upto 1 year/1 /2/3/4/5 years, Non-credit linked - upto 1 year ... The duration of a Group Policy shall be for a period of Twelve months. However to provide coverage for specific events the Group Personal Accident Policies can be issued for a period less than twelve months.","sources":[{"clause":"Section C","heading":"OPERATIVE PARTS","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-section-c"},{"clause":null,"heading":"32. Policy Period","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-32-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, the policyholder, insured person or claimant must inform the insurer in writing immediately and in any event within 30 days from the accident, and submit all documents within 30 days from intimation. For accidental hospitalization cashless claims, planned hospitalization must be intimated before 48 hours and emergency hospitalization within 24 hours.","display":"Reimbursement: immediately and within 30 days of accident; documents within 30 days of intimation. Cashless accidental hospitalization: 48 hours planned, 24 hours emergency.","note":null,"quote":"Policyholder or the Insured Person or someone claiming on his/her behalf must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation. ... In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization.","sources":[{"clause":"Section E","heading":"CONDITIONS – OTHER TERMS AND CLAUSES [APPLICABLE TO ALL COVERS (INCLUDING","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-section-e-2"},{"clause":null,"heading":"Cashless Claims Procedure","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-cashless-claims-procedure"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Person.","Copy of address proof (Ration card or electricity bill copy).","Attested copy of Death Certificate.","Attested copy of FIR / Panchanama / Inquest Panchanama.","Attested copy of Post Mortem Report (only if conducted).","NEFT details & cancelled cheque of Nominee/ legal heir of the Insured Person","Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability.","All X-Ray / Investigation reports and films supporting to disability.","First Consultation letter from the Doctor","Hospital Discharge Card","Hospital Bill giving detailed break up of all expense heads mentioned in the bill.","Money Receipt, duly signed with a Revenue Stamp","All original Laboratory and Diagnostic Test Reports."],"display":"Claim form, identity/address and bank details, death or disability proofs, FIR/police records where required, hospital bills and discharge papers, investigation reports and other required documents.","note":"Different optional covers ask for additional documents specific to that cover.","quote":"• Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Person.\n• Copy of address proof (Ration card or electricity bill copy).\n• Attested copy of Death Certificate. ... • Attested copy of FIR / Panchanama / Inquest Panchanama.\n• Attested copy of Post Mortem Report (only if conducted). ... • NEFT details & cancelled cheque of Nominee/ legal heir of the Insured Person ... • Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability. ... • All X-Ray / Investigation reports and films supporting to disability. ... • First Consultation letter from the Doctor\n• Duly completed claim form signed by the Claimant\n• Hospital Discharge Card\n• Hospital Bill giving detailed break up of all expense heads mentioned in the bill. ... • Money Receipt, duly signed with a Revenue Stamp\n• All original Laboratory and Diagnostic Test Reports.","sources":[{"clause":null,"heading":"List of Claim documents List of Claim documents for Death","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-list-of-claim-documents-list-of-claim-documents"},{"clause":null,"heading":"List of Claim Documents Specific for Accidental Hospitalization Expenses","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-list-of-claim-documents-specific-for-accidental"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. After an offer of settlement is accepted, payment is to be made within 7 days from acceptance; investigations must be completed not later than 30 days from receipt of the last necessary document.","display":"Settle or reject within 15 days of last necessary document; pay within 7 days after acceptance of settlement offer.","note":"Delay attracts interest at 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per policy terms and conditions, we shall offer within a period of 15 days settlement of the claim to the insured. Upon acceptance of an offer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured. ... the Company will initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document.","sources":[{"clause":"3(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-3-i"},{"clause":"2(c)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-2-c-2"},{"clause":"2(d)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-2-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Pre-existing Condition(s) and complications arising out of or resulting therefrom","Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness","Mental or nervous disorder, anxiety, stress or depression","Whilst engaging in Adventure Sports unless specifically insured","While under the influence of liquor or drugs, alcohol or other intoxicants","Through deliberate or intentional, unlawful or criminal act, error, or omission, participation in an actual or attempted felony, riot, crime, mis-demeanor, civil commotion","Whilst engaging in aviation or ballooning","Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Arising out of your participation in any police, naval, military or air force operations","War (whether declared or not), civil war, invasion, act of foreign enemies","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy.","Any treatment taken outside India."],"display":"Pre-existing conditions, suicide or self-inflicted injury, mental or nervous disorders, adventure sports unless insured, alcohol/drugs, criminal acts, aviation/ballooning, motor racing, military/police operations, war, nuclear radiation, breach of law, maternity and treatment outside India for specified covers.","note":null,"quote":"We will not be liable to make any payment under this Policy under any circumstances, for any claim directly or indirectly attributable to, or based on, or arising out of, or connected with any of the following:\n1. Any Pre-existing Condition(s) and complications arising out of or resulting therefrom;\n2. Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness,\n3. Mental or nervous disorder, anxiety, stress or depression,\n4. Whilst engaging in Adventure Sports unless specifically insured,\n5. While under the influence of liquor or drugs, alcohol or other intoxicants,\n6. Through deliberate or intentional, unlawful or criminal act, error, or omission, participation in an actual or attempted felony, riot, crime, mis-demeanor, civil commotion,\n7. Whilst engaging in aviation or ballooning ... 8. Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs, ... 10. Arising out of your participation in any police, naval, military or air force operations ... 14. War (whether declared or not), civil war, invasion, act of foreign enemies ... 15. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel, ... Breach of law (Excl10) Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. ... Any treatment taken outside India.","sources":[{"clause":null,"heading":"V. General Exclusions Applicable To All Covers (Including Optional Covers)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-v-general-exclusions-applicable-to-all-covers-in"},{"clause":null,"heading":"III. General Exclusions Applicable To All Covers (Including Optional Covers)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-iii-general-exclusions-applicable-to-all-covers"},{"clause":"3(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-3-a"},{"clause":"8","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-8-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Customer Experience Team through the website, toll-free number 1800 209 5858, careforyou@bajajgeneral.com, or by writing to Bajaj General Insurance Limited. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use the care specialist route or Head of Customer experience before approaching the Insurance Ombudsman.","display":"Level 1: Customer Experience Team; Level 2: Grievance Redressal Officer at ggro@bajajgeneral.com; then care specialist/Head of Customer experience; then Insurance Ombudsman.","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website www.bajajgeneralinsurance.com\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"10","heading":"Grievance Redressal Procedure","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-10-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents point to the Policy Schedule or Certificate of Insurance for the chosen sum insured and sub-limits; fixed selectable cover amounts are not printed.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is an accident benefit policy, not an illness hospitalization policy with an initial illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing conditions are excluded under this accident policy rather than covered after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"The policy covers accidental bodily injury benefits and does not have a list of illnesses or procedures covered after a specific waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"No specific illness waiting-period list applies to this accident policy.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"After the moratorium, claims are contestable only for proven fraud and permanent exclusions specified in the policy contract.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"6","heading":"Moratorium Period","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-6-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured beneficiary may port the policy to other insurers by applying to the other insurer to port the entire policy with all family members at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Portability allowed at renewal with continuity benefits, if applied at least 30 days before and not earlier than 60 days from renewal.","note":null,"quote":"The Insured beneficiary will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"13","heading":"Portability","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-13-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording states the policy is renewable except on specified grounds, but it does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal loadings are at portfolio level and not based on any individual policy claim experience. The policy also says renewal shall not be denied because claims were made in preceding policy years, except for benefit-based policies where the policy terminates after payment of the covered benefit.","display":"No individual claim-based renewal loading; loadings are at portfolio level.","note":null,"quote":"We shall not deny the renewal of this policy on the ground that You have made a claim or claims in the preceding policy years, except for benefit based policies where the policy terminates following payment of the benefit covered under the policy like critical illness policy. ... For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience.","sources":[{"clause":"14(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-14-ii"},{"clause":"14(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-14-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice. If no claim has been made, the company refunds premium for the unexpired risk period on a pro-rata basis; for future multi-year policy years whose risk has not started, the premium is refunded without deduction, with medical examination expenses deducted where applicable.","display":"7 days' written notice; pro-rata refund for unexpired period if no claim, with stated deductions.","note":"The company may cancel for misrepresentation, non-disclosure of material facts or fraud with 15 days' written notice and no refund on those grounds.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company will refund the premium for the unexpired policy period as detailed below:\n1. Cancellation of policy where full premium received at policy inception -\n• Annual Policy: The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. ... The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"15","heading":"Cancellation","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-15-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Worldwide coverage applies to the base covers for Death, Permanent Total Disability and Permanent Partial Disability and specified optional covers. Accidental Hospitalization Expenses, Air Ambulance, Hospital Cash, Loss of Income due to Disability from Accident, Road Ambulance and Travel Expenses Benefit are restricted to India only; payment is within India and in Indian Rupees only.","display":"Worldwide for base covers and some optional covers; India only for specified hospitalization, cash, ambulance, loss-of-income and travel-expense optional covers.","note":null,"quote":"World-wide coverage is applicable for below sections Section I: Death Section II: Permanent Total Disability Section III: Permanent Partial Disability Optional Cover II: Adventure Sports Benefit Optional Cover IV: Children’s Education Benefit Optional Cover V: Coma Due to Accidental Bodily Injury Optional Cover VI: EMI Payment Cover Optional Cover VII: Fracture Care Optional Cover IX: Loan Protector Cover ... Following covers are restricted to within India Only:\nOptional Cover I: Accidental Hospitalization Expenses Optional Cover III: Air Ambulance Cover Optional Cover VIII: Hospital Cash Benefit Optional Cover X: Loss of Income due to Disability from Accident Optional Cover XI: Road Ambulance Cover Optional Cover XII: Travel Expenses Benefit ... Our liability to make any payment shall be to make payment within India and in Indian Rupees only","sources":[{"clause":"Part E(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-part-e-a"},{"clause":"Part E(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-part-e-b"},{"clause":"Part E(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-part-e-c"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Free look is not applicable for renewal Certificate of Insurance.","quote":"Insured Beneficiary have a period of 30 days from the date of receipt of the first Certificate of Insurance to review the terms and conditions of the Certificate of Insurance.","sources":[{"clause":"16","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-16-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"Renewal clause also states delay in renewal up to the Grace Period (30 days) is condoned without a break in policy.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"17","heading":"Grace Period: Grace period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The wording provided does not state minimum or maximum entry age.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The wording refers to monthly mode for grace period and premium received on instalment basis, but does not list the premium payment modes available.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Accidental Hospitalization Expenses","Adventure Sports Benefit","Air Ambulance Cover","Children Education Benefit","Coma Due to Accidental Bodily Injury","EMI Payment Cover","Fracture Care","Hospital Cash Benefit","Loan Protector Cover","Loss of Income Due to Disability From Accident","Road Ambulance Cover","Travel Expenses Benefit"],"display":"Accidental Hospitalization Expenses; Adventure Sports Benefit; Air Ambulance; Children Education; Coma; EMI Payment; Fracture Care; Hospital Cash; Loan Protector; Loss of Income due to Disability from Accident; Road Ambulance; Travel Expenses.","note":"These covers apply only if opted and shown in the policy schedule, with additional premium.","quote":"OPTIONAL COVER I: ACCIDENTAL HOSPITALIZATION EXPENSES ... OPTIONAL COVER II: ADVENTURE SPORTS BENEFIT ... OPTIONAL COVER III: AIR AMBULANCE COVER ... OPTIONAL COVER IV: CHILDREN EDUCATION BENEFIT ... OPTIONAL COVER V: COMA DUE TO ACCIDENTAL BODILY INJURY ... OPTIONAL COVER VI: EMI PAYMENT COVER ... OPTIONAL COVER VII: FRACTURE CARE ... OPTIONAL COVER VIII: HOSPITAL CASH BENEFIT ... OPTIONAL COVER IX: LOAN PROTECTOR COVER ... OPTIONAL COVER X: LOSS OF INCOME DUE TO DISABILITY FROM ACCIDENT ... OPTIONAL COVER XI: ROAD AMBULANCE COVER ... OPTIONAL COVER XII: TRAVEL EXPENSES BENEFIT","sources":[{"clause":null,"heading":"OPTIONAL COVER I: ACCIDENTAL HOSPITALIZATION EXPENSES","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-i-accidental-hospitalization-expe"},{"clause":null,"heading":"OPTIONAL COVER II: ADVENTURE SPORTS BENEFIT","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-ii-adventure-sports-benefit"},{"clause":null,"heading":"OPTIONAL COVER III: AIR AMBULANCE COVER","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-iii-air-ambulance-cover"},{"clause":null,"heading":"OPTIONAL COVER IV: CHILDREN EDUCATION BENEFIT","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-iv-children-education-benefit"},{"clause":null,"heading":"OPTIONAL COVER V: COMA DUE TO ACCIDENTAL BODILY INJURY","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-v-coma-due-to-accidental-bodily-i"},{"clause":null,"heading":"OPTIONAL COVER VI: EMI PAYMENT COVER","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-vi-emi-payment-cover"},{"clause":null,"heading":"OPTIONAL COVER VII: FRACTURE CARE","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-vii-fracture-care"},{"clause":null,"heading":"OPTIONAL COVER VIII: HOSPITAL CASH BENEFIT","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-viii-hospital-cash-benefit"},{"clause":null,"heading":"OPTIONAL COVER IX: LOAN PROTECTOR COVER","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-ix-loan-protector-cover"},{"clause":null,"heading":"OPTIONAL COVER X: LOSS OF INCOME DUE TO DISABILITY FROM ACCIDENT","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-x-loss-of-income-due-to-disabilit"},{"clause":null,"heading":"OPTIONAL COVER XI: ROAD AMBULANCE COVER","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-xi-road-ambulance-cover"},{"clause":null,"heading":"OPTIONAL COVER XII: TRAVEL EXPENSES BENEFIT","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-optional-cover-xii-travel-expenses-benefit"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage need not be available during the period for which no premium is received. However, insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"Coverage need not be available if premium is not received; coverage is offered during grace period for instalment premiums.","note":null,"quote":"Coverage need not be available during the period for which no premium is received. The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"17","heading":"Grace Period: Grace period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184#c-17"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Global Personal Guard Policy (Group) Policy Wordings","pages":33,"fetched_at":"2026-10-17 19:42:21+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Global-Personal-Guard-Policy-Group_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3184"},{"kind":"wording","label":"Global Personal Guard policy (Group) (IRDAI copy)","pages":34,"fetched_at":"2026-10-20 02:25:00+00","source_url":"https://irdai.gov.in/documents/37343/931203/BajajAllianz_GlobalPersonalGuardPolicy%28Group%29_2016-2017.pdf/b0799ccd-f34e-badd-1e99-d64f215e0264?version=1.1&t=1668416016802&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/28280"},{"kind":"cis","label":"Global Personal Guard Policy (Group) Customer Information Sheet","pages":8,"fetched_at":"2026-10-17 19:38:09+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Global-Personal-Guard(Group)_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627/document/3073"}],"versions":[{"uin":"IRDAI/HLT/BAGI/P-P/V.I/04/2016-17","version":null,"approved_on":null},{"uin":"BAJHLGP27083V022627","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Global Personal Guard Policy (Group) (UIN BAJHLGP27083V022627), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/global-personal-guard-policy-group-bajhlgp27083v022627"}