{"uin":"BAJHLIP21218V022021","name":"Personal Accident Insurance Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021","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":"Revision","kind":"product","status":"unknown","approved_on":"2020-01-09","withdrawn_on":null,"summary":"Bajaj General's Personal Accident Policy pays 100% of the sum assured on accidental death and 125% on permanent total disability, with a permanent partial disability table and, under Comprehensive, a weekly temporary total disability payment of 1% of the sum assured or Rs.5,000, whichever is lower, for up to 100 weeks. It runs for 1, 2 or 3 years, covers accidents anywhere in the world with payment only in India, and offers Hospital Confinement Allowance and Medical Expenses Reimbursement as optional covers.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:37.597761+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"cross-checked","value":["Basic","Wider","Comprehensive"],"display":"Basic, Wider, Comprehensive","note":"Basic covers death; Wider adds permanent total and partial disability; Comprehensive adds temporary total disability (wording Section C 1 to 4). Comprehensive is not available for occupation risk class III (sales brochure).","quote":"We will pay your Nominee 100% of sum assured shown under the Schedule headings Basic, Wider and Comprehensive ... We will pay you 125% of the sums assured shown under the Schedule headings Wider and Comprehensive ... then we will make a weekly payment to you of 1 % of the sum assured shown under the schedule heading Comprehensive ... Comprehensive | 1.5 | 2.0 | Not available","sources":[{"clause":"1","heading":"Death","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-3"},{"clause":"2","heading":"Permanent Total Disability","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-2-3"},{"clause":"4","heading":"Temporary Total Disability","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-3"},{"clause":null,"heading":"What are the premium rates for this policy?","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-what-are-the-premium-rates-for-this-policy"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1 year, 2 years or 3 years.","display":"1, 2 or 3 years","note":null,"quote":"Tenure of Policy: 1year, 2 years or 3 years","sources":[{"clause":"Section C","heading":"COVERAGES","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-section-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Inform the insurer in writing immediately and in any event within 30 days of the accident; in case of death, inform immediately and send the post mortem report (if performed) within 30 days.","display":"Immediately, and within 30 days","note":"The time limit may be waived in extreme cases of hardship. The CIS also prints a reimbursement process (intimate 48 hours before planned or within 48 hours of emergency hospitalisation, documents within 30 days of discharge) apparently taken from a hospitalisation policy.","quote":"You or someone claiming on behalf must inform us in writing immediately and in any event within 30 days. ... In case of your death, someone claiming on your behalf must inform us in writing immediately and send us a copy of the post mortem (if Performed) report within 30 days.","sources":[{"clause":"Section E","heading":"CONDITIONS – OTHER TERMS AND CONDITIONS","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-section-e-3"}],"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":"cross-checked","value":["Duly completed claim form signed by nominee or insured, with NEFT details","Copy of address proof (Ration card or electricity bill copy)","Attested copy of Death Certificate; Burial Certificate (wherever applicable)","Attested copy of FIR / Panchanama / Inquest Panchanama","Attested copy of Post Mortem Report (only if conducted) and Viscera report if any","Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability","All X-Ray / Investigation reports and films supporting to disablement","Original Policy copy","Aadhaar card and PAN card copies","Bonafide certificate from school / college (children's education benefit)","First Consultation letter, Hospital Discharge Card, itemised Hospital Bill, Money Receipt, original Laboratory and Diagnostic Test Reports (hospital allowance / medical expenses)"],"display":"Claim form, death or disability certificate, FIR, post mortem report, policy copy, Aadhaar and PAN","note":"Lists differ by claim type (death; disability; children's education; hospital allowance or medical expenses). Aadhaar and PAN not mandatory if already linked with the policy.","quote":"Duly Completed Personal Accident Insurance Policy Claim Form signed by Nominee. Copy of address proof (Ration card or electricity bill copy). ... Attested copy of Death Certificate. Burial Certificate (wherever applicable). ... Attested copy of FIR / Panchanama / Inquest Panchanama. ... Attested copy of Post Mortem Report (only if conducted). ... Attested copy of Viscera report if any (Only if Post Mortem is conducted) Claim form with NEFT details ... Original Policy copy ... Aaadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim) ... Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability. Attested copy of FIR. ... All X-Ray / Investigation reports and films supporting to disablement. ... Bonafide certificate from school / college or certificate from the educational institution ... 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.","sources":[{"clause":"1","heading":"Death","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-7"},{"clause":"2","heading":"Permanent Partial /Total Disablement /Temporary Total Disability","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-2-7"},{"clause":"3","heading":"Children’s education bonus","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-6"},{"clause":"4","heading":"Hospital Confinement Allowance/ Medical Expenses Reimbursement","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-6"}],"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":"cross-checked","value":"The claim is settled or rejected within 15 days from receipt of the last necessary document; where investigation is needed it is completed within 30 days of the last document and the claim is still settled or rejected within 15 days of the last document. Delay attracts interest at 2% above bank rate.","display":"15 days from the last necessary document","note":"CIS says: 'Turnaround time (TAT) for claim settlement: 15 Working Days'.","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. ... not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 15 days from the date of receipt of last necessary document. ... the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate","sources":[{"clause":"3(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-i"},{"clause":"3(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-iii"},{"clause":"3(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-iv"}],"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":"cross-checked","value":["Suicide, attempted suicide or self inflicted injury or illness","Injury while under the influence of liquor or drugs","Deliberate or intentional, unlawful or criminal act, error, or omission","Aviation or ballooning other than as a passenger in a duly licensed standard type of aircraft","Driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Curative treatments or interventions carried out on your body","Participation in naval, military or air force operations","Consequential losses of any kind or actual or alleged legal liability","Venereal or sexually transmitted diseases","War, civil war, invasion, rebellion and similar perils","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","Nuclear energy, radiation","Maternity (Excl 18): childbirth and termination of pregnancy expenses"],"display":"Suicide or self-injury, intoxication, criminal acts, non-passenger aviation, motor racing, military operations, war, nuclear, STDs, maternity","note":"No waiting periods are printed. The brochure words the criminal act exclusion as 'committing any breach of law with criminal intent'.","quote":"Through suicide, attempted suicide or self inflicted injury or illness. ... While under the influence of liquor or drugs. ... Through deliberate or intentional, unlawful or criminal act, error, or omission. ... Whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world. ... Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs. ... As a result of any curative treatments or interventions that you carry out or have carried out on your body. ... Arising out of your participation in any naval, military or air force operations ... Your consequential losses of any kind or your actual or alleged legal liability. ... Venereal or sexually transmitted diseases. ... War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies. ... Nuclear energy, radiation. ... Maternity (Excl 18) ... Medical Treatment Expenses traceable to childbirth ... lawful medical termination of pregnancy","sources":[{"clause":"1","heading":"Accidental Bodily Injury that You meet with","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-5"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-2-4"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-4"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-4"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-4"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-6-4"},{"clause":"1","heading":"Maternity (Excl 18)","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-4"}],"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":"cross-checked","value":"First contact the toll-free number 1-800-209-5858, a branch, the website, or write to careforyou@bajajgeneral.com (seniorcitizen@bajajgeneral.com for senior citizens); then the Grievance Redressal Officer at ggro@bajajgeneral.com.","display":"careforyou@bajajgeneral.com, then ggro@bajajgeneral.com","note":"Level 3: missed call on +91 80809 45060 or SMS to 575758 for a care specialist; then the Insurance Ombudsman.","quote":"Our toll-free number 1-800-209- 5858 or 020-30305858 ... a) Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... b) Level 2: In case you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com","sources":[{"clause":"17","heading":"Redressal of Grievance","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-17-2"},{"clause":"17(a)","heading":"Level 1","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-17-a"},{"clause":"17(b)","heading":"Level 2","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-17-b"}],"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":"cross-checked","value":"No fixed list: the sum assured is linked to income. Total capital sum insured may not exceed 120 times average monthly income; Basic up to 100 times monthly income, Wider up to 60 times, Comprehensive up to 24 times monthly income or a maximum of Rs 5 Lakhs.","display":"Income-linked: up to 120 times average monthly income (Comprehensive up to 24 times or Rs 5 Lakhs)","note":"From the sales brochure; the wording and CIS leave the sum assured to the schedule. The brochure table is garbled in extraction: it reads as Basic up to 100 times and Wider up to 60 times monthly income, with a Rs. 25 Lakhs cap printed next to them, so which section that cap belongs to is uncertain. From age 66, renewal sum insured under Basic and Wider is restricted to the lower of Rs 10 lacs or the expiring sum insured.","quote":"Capital SI not to exceed 120 times of average Monthly Income ... Basic Wider | Death Death+ PTD+PPD | Max. 100 times of Monthly Income subject to maximum of Rs. 25 Lakhs Max. 60 times of Monthly Income ... Comprehensive | Death+PTD+ PPD+TTD | Max. 24 times of Monthly Incomeor maximum of Rs 5 Lakhs ... For age 66years and above, renewal Sum insured would be restricted to lower of Rs10lacs (under Basic and or Wider) or expiring policy sum insured under Basic and/ or Wider sections.","sources":[{"clause":null,"heading":"Bajaj General","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-bajaj-general"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-6"}],"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":"Accident-only cover: illness is not covered, and no waiting period is printed.","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":"Accident-only cover: every benefit, including the optional medical expenses, is paid only for accidental bodily injury, so no pre-existing disease waiting period can apply. A pre-existing permanent partial disability reduces a PPD payout (wording Section C 3(b)).","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":"Accident-only cover: no named-illness waiting period applies.","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":"Accident-only cover: no named-illness waiting period applies.","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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the 60 months run from the date of enhancement on the enhanced limits.","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. ... After the expiry of Moratorium Period no claim under this policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"12","heading":"Moratorium Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-12-3"}],"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":"cross-checked","value":"Yes. The policy can be ported to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date, with accrued continuity benefits in waiting periods as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal","note":"Migration to another Bajaj General product is also allowed, applying at least 30 days before renewal.","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. ... the proposed Insured beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"14","heading":"Portability","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-14-3"}],"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":"cross-checked","value":true,"display":"Yes","note":"Lifetime renewal is in words only in the sales brochure; the wording says renewable except on grounds of fraud, non-disclosure or misrepresentation.","quote":"Under normal circumstances, lifetime renewal benefit is available under the policy except on ... Your Policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by You, provided this policy is not withdrawn","sources":[{"clause":null,"heading":"Bajaj General","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-bajaj-general"},{"clause":"5(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-i"}],"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":"cross-checked","value":"No. Renewal loadings are at portfolio level, not based on an individual policy's claim experience, and renewal is not denied because of claims; a discount may be given for good claims experience.","display":"No individual claim loading","note":"A claim does stop the Cumulative Bonus increase for that year (10% per claim-free year, up to 50%).","quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience. ... 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","sources":[{"clause":"5(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-iv"},{"clause":"5(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-ii"}],"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":"cross-checked","value":["Suicide, attempted suicide or self inflicted injury or illness","Injury while under the influence of liquor or drugs","Deliberate or intentional, unlawful or criminal act, error, or omission","Aviation or ballooning other than as a passenger in a duly licensed standard type of aircraft","Driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Curative treatments or interventions carried out on your body","Participation in naval, military or air force operations","Consequential losses of any kind or actual or alleged legal liability","Venereal or sexually transmitted diseases","War, civil war, invasion, rebellion and similar perils","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","Nuclear energy, radiation","Maternity (Excl 18): childbirth and termination of pregnancy expenses"],"display":"Suicide or self-injury, intoxication, criminal acts, non-passenger aviation, motor racing, military operations, war, nuclear, STDs, maternity (Excl 18)","note":"Excl 18 (maternity) is the only standard IRDAI exclusion code printed; the rest are the product's own exclusions.","quote":"Through suicide, attempted suicide or self inflicted injury or illness. ... While under the influence of liquor or drugs. ... Through deliberate or intentional, unlawful or criminal act, error, or omission. ... Whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world. ... Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs. ... As a result of any curative treatments or interventions that you carry out or have carried out on your body. ... Arising out of your participation in any naval, military or air force operations ... Your consequential losses of any kind or your actual or alleged legal liability. ... Venereal or sexually transmitted diseases. ... War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies. ... Nuclear energy, radiation. ... Maternity (Excl 18) ... Medical Treatment Expenses traceable to childbirth ... lawful medical termination of pregnancy","sources":[{"clause":"1","heading":"Accidental Bodily Injury that You meet with","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-5"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-2-4"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-4"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-4"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-4"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-6-4"},{"clause":"1","heading":"Maternity (Excl 18)","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-4"}],"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":"cross-checked","value":"With 7 days' written notice: annual policy refunded pro-rata for the unexpired period if no claim was made in the policy year; multi-year policies refund future years in full and the current year pro-rata; instalment policies pro-rata if no claim. Medical examination expenses are deducted.","display":"Pro-rata refund if no claim in the policy year","note":"No refund if the company cancels for misrepresentation, non-disclosure or fraud (15 days' notice). Delayed refunds beyond 7 days carry interest at 2% above bank rate.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. ... 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. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. ... Cancellation of policy where Premium Received on Instalment Basis 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":"9","heading":"Cancellation","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-9-3"}],"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":"cross-checked","value":"Worldwide for accidental bodily injury (subject to Indian Government travel restrictions), but payment is made only in India and in Indian Rupees; Hospital Confinement Allowance and accident hospitalisation expenses are paid only for expenses incurred in India.","display":"Worldwide, paid in India in rupees","note":null,"quote":"We cover Accidental Bodily Injury sustained during the Policy Period anywhere in the world (subject to the travel and other restrictions that the Indian Government may impose), but we will only make payment within India and in Indian Rupees. For Hospital Confinement Allowance and Accidental Hospitalization expenses ( i.e Section II and III ) We will make payment only expenses incurred in India and in Indian Rupees.","sources":[{"clause":null,"heading":"29. Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-29-territorial-limits"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only, not renewals or ported/migrated policies. Refund less medical examination and stamp duty costs, or proportionate risk premium if risk has commenced. CIS says 30 days 'from the first inception of policy'.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"8","heading":"Free Look Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-8-3"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly.","quote":"The Grace Period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/halfyearly/annual instalments) is available on the premium due date, to pay the premium. ... We shall condone a delay in renewal up to the Grace Period (30 days) from the due date of renewal without considering such condonation as a Break in Policy.","sources":[{"clause":"4","heading":"Premium Payment in Instalments","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-5"},{"clause":"5(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-iii"}],"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":"cross-checked","value":"Proposer and spouse: 18 to 65 years. Dependent children: 5 to 21 years.","display":"18 to 65 years (children 5 to 21)","note":"From the sales brochure. Self, spouse and dependent children can be covered.","quote":"Entry age for Proposer and Spouse is 18 to 65 years.Dependent Children can be covered from ... 5years to 21years.","sources":[{"clause":null,"heading":"Bajaj General","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-bajaj-general"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Full premium at inception","Annual (for long term policies only)","Half Yearly","Quarterly","Monthly"],"display":"Full premium, or annual, half-yearly, quarterly or monthly instalments","note":"Long term policy discount (4% for 2 years, 8% for 3 years) does not apply if premium is paid in instalments.","quote":"Cancellation of policy where full premium received at policy inception ... If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly","sources":[{"clause":"9","heading":"Cancellation","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-9-3"},{"clause":"4","heading":"Premium Payment in Instalments","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-5"}],"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":"cross-checked","value":["Hospital Confinement Allowance","Medical Expenses Reimbursement"],"display":"Hospital Confinement Allowance, Medical Expenses Reimbursement","note":"Both pay only if a claim under death, PTD, PPD or TTD is accepted.","quote":"a) Hospital Confinement Allowance (Available if the schedule shows you opted for it) ... b) Medical Expenses Reimbursement (Available if the schedule shows you opted for it)","sources":[{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-6-a"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-6-b"}],"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":"cross-checked","value":"Yes if premium is paid in instalments during the policy period; for a renewal, an accident during the break is not covered.","display":"Yes for instalments; not during renewal break","note":"The renewal-break rule is from the sales brochure; the wording definition says coverage need not be available for the period without premium.","quote":"If the premium is paid in instalments during the Policy Period, coverage will be available for the Grace Period also. ... Coverage need not be available during the period for which no premium is received. ... Any claim incurred as a result of Accidental injury during the break period will not be admissible under the policy.","sources":[{"clause":"4","heading":"Premium Payment in Instalments","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-5"},{"clause":"9","heading":"Grace Period","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-9"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-6"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"cross-checked","value":"100% of the sum assured is paid to the nominee if an accident during the policy period causes death within 12 months, under Basic, Wider and Comprehensive.","display":"100% of sum assured","note":"Also pays transport of remains (lower of Rs.5,000 or 2% of sum assured) and Rs.5,000 each for education of up to 2 dependent children under 19. The policy ends after a death or PTD payout.","quote":"We will pay your Nominee 100% of sum assured shown under the Schedule headings Basic, Wider and Comprehensive if during the Policy Period you meet with Accidental Bodily Injury that causes your death within 12 months. ... The amount we pay will be limited to the lower of Rs.5,000/- or 2% of the sums assured ... then we will make a one time payment of Rs.5,000/- each towards the cost of education of up to 2 of your dependent children who were under the age of 19","sources":[{"clause":"1","heading":"Death","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-1-3"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-a"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-5-b"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"cross-checked","value":"125% of the sum assured under Wider and Comprehensive if an accident during the policy period causes permanent total disability within 12 months.","display":"125% of sum assured (Wider, Comprehensive)","note":"Not covered under Basic. Defined by a Civil Surgeon disability certificate: loss of sight of both eyes, both hands or feet, one hand and one foot, or one eye and one hand or foot. Children's Education Benefit also applies.","quote":"We will pay you 125% of the sums assured shown under the Schedule headings Wider and Comprehensive if you meet with Accidental Bodily Injury during the Policy Period that causes your Permanent Total Disability within 12 months. ... Loss of the sight of both eyes ... Physical separation of or the loss of ability to use both hands or both feet","sources":[{"clause":"2","heading":"Permanent Total Disability","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-2-3"},{"clause":"8","heading":"Permanent Total Disability","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-8-2"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"cross-checked","value":"A percentage of the sum assured (Wider and Comprehensive) per a table: arm at shoulder 70%, above elbow 65%, below elbow 60%, hand at wrist 55%, thumb 20%, index finger 10%, other finger 5%, leg above mid-thigh 70%, up to mid-thigh 60%, below knee 50%, mid-calf 45%, foot at ankle 40%, large toe 5%, other toe 2%, eye 50%, hearing one ear 30%, both ears 75%, smell 10%, taste 5%.","display":"Table: 2% to 75% of sum assured (Wider, Comprehensive)","note":"Within 12 months of the accident. Disabilities not in the table are paid in proportion as decided by the insurer's medical advisors; an existing PPD reduces the payout. Not covered under Basic.","quote":"we will pay the percentage shown in the table below applied to the sums assured shown under the Schedule headings Wider and Comprehensive.\nAn arm at the shoulder joint | 70%\nAn arm above the elbow joint | 65%\nAn arm beneath the elbow joint | 60%\nA hand at the wrist | 55%\nA thumb | 20%\nAn index finger | 10%\nAny other finger | 5%\nA leg above mid-thigh | 70%\nA leg up to mid-thigh | 60%\nA leg up to beneath the knee | 50%\nA leg up to mid-calf | 45%\nA foot at the ankle | 40%\nA large toe | 5%\nAny other toe | 2%\nAn eye | 50%\nHearing of one ear | 30%\nHearing of both ears | 75%\nSense of smell | 10%\nSense of taste | 5%","sources":[{"clause":"3","heading":"Permanent Partial Disability","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-3-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"cross-checked","value":"Weekly payment of 1% of the Comprehensive sum assured or Rs.5,000, whichever is lower, while the injury completely prevents you from working, for up to 100 weeks.","display":"1% of sum assured or Rs.5,000 a week, whichever is lower, up to 100 weeks","note":"Comprehensive only. CIS says dependent children are not covered for TTD.","quote":"then we will make a weekly payment to you of 1 % of the sum assured shown under the schedule heading Comprehensive or Rs.5,000/- whichever is lower. ... when we have made payments for a maximum period of 100 weeks from the date you met with the Accidental Bodily Injury, whichever is earlier.","sources":[{"clause":"4","heading":"Temporary Total Disability","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-4-3"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"cross-checked","value":"None unless the optional Medical Expenses Reimbursement is chosen; it then reimburses necessary medical treatment for the accident, up to 40% of the accepted claim under death, PTD, PPD or TTD or Rs. 5 Lac, whichever is lower.","display":"None unless opted (optional: up to 40% of the claim or Rs. 5 Lac)","note":"Optional cover; paid only alongside an accepted death or disability claim, for expenses incurred in India. CIS also lists a Road Ambulance sub-limit of Rs 1000 per claim not found in the wording.","quote":"b) Medical Expenses Reimbursement (Available if the schedule shows you opted for it) If we have accepted a claim under 1) to 4), then we will reimburse the costs of necessary medical treatment You had to obtain from a Medical practitioner because of the Accidental Bodily Injury you met with. However, our payment will be limited to 40% of the value of the claim we accepted under 1 to 4 or Rs. 5 Lac whichever is lower.","sources":[{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-6-b"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"cross-checked","value":"Yes. Premium depends on occupation risk level I (administrative, professional), II (manual labour, drivers, mechanics) or III (mines, high-tension electrical, jockeys, mountaineers); Comprehensive is not available for risk class III. A change of occupation must be told within 30 days.","display":"Yes, three risk levels","note":"Risk levels and rates from the sales brochure. If you do not report a change, cover ceases from the date of change; if the new occupation carries a higher premium, payout is scaled down.","quote":"The Premium differs in case of different risk levels determined by your occupation. Risk Level - I Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations Risk Level - II Manual labour, garage mechanic, machine operator, paid driver ... Risk Level - III Workers in underground mines, electric installations with high tension supply, Jockey, circus performers, big game hunters, mountaineers ... Comprehensive | 1.5 | 2.0 | Not available ... If you change occupation then you must tell us in writing within 30 days of the change.","sources":[{"clause":null,"heading":"What are the premium rates for this policy?","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270#c-what-are-the-premium-rates-for-this-policy"},{"clause":null,"heading":"25. Your change of Occupation","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268#c-25-your-change-of-occupation"}],"law":[]}],"documents":[{"kind":"wording","label":"Personal Accident Policy Wordings","pages":14,"fetched_at":"2026-10-16 08:29:37.398997+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Personal_Accident_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/268"},{"kind":"cis","label":"Personal Accident Customer Information Sheet","pages":5,"fetched_at":"2026-10-16 08:29:37.398997+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Personal-Accident-Insurance-Policy_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/269"},{"kind":"brochure","label":"Personal Accident Brochure","pages":7,"fetched_at":"2026-10-16 08:29:37.398997+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/personal-accident/Personal_Accident_brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021/document/270"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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":"Personal Accident Insurance Policy (UIN BAJHLIP21218V022021), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/personal-accident-insurance-policy-bajhlip21218v022021"}