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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioThe world of personal accident insurance can be tricky, particularly to the Indian families who have international requirements. The Bajaj Allianz Health Insurance Global Personal Guard Policy aims to address those global needs so that you are well covered wherever you travel. This guide breaks down the highlights of the policy, its main features and coverage options, the experiences of claimants and professional recommendations, in the context of the 2025 environment.
The Bajaj Allianz Health Insurance Global Personal Guard Policy is a niche personal accident insurance cover which provides financial protection against a wide range of accidental risks, both in India and abroad. The policy serves individuals and families who want a form of protection in the event of unexpected events, including accidental death, permanent or partial disability, and hospitalization due to injuries.
Unlike standard personal accident covers, the Global Personal Guard stretches its benefits beyond Indian boundaries, making it suitable for frequent travellers, non-resident Indians (NRIs), professionals working abroad, or families with global connections.
Did You Know?
Industry statistics show that there has been a 20 percent rise in the number of Indians seeking international insurance solutions after 2023, particularly due to the increased prevalence of work and travel across the globe.
As the world of healthcare and risk exposures evolves at a fast rate, an accidental mishap policy that takes care of mishaps around the world is becoming more vital. The following are some of the key user intentions of selecting this plan:
The reputation of Bajaj Allianz to resolve claims quickly, easy to use, and extensive global alliances makes this plan appealing in 2025. They have also adopted digital innovation in their customer service, i.e. app-based intimation of claims, online policy management, and international helplines.
Expert Insight:
When comparing personal accident plans in 2025, insurance advisors suggest that one should take into account worldwide cover, accidental medical expenses, and weekly income benefits.
| Feature | Details & Limits (2025 Update) |
|---|---|
| Coverage Territory | India + International (as per schedule) |
| Sum Insured | Rs 10 lakh to Rs 25 crore |
| Accidental Death Cover | 100 percent of Sum Insured |
| Permanent Total Disability | Up to 125 percent of Sum Insured |
| Partial Disability | Proportional (as per injury schedule) |
| Child Education Benefit | Rs 50,000 per child (max 2 children) |
| Accident Hospitalization Cost | Up to Rs 10 lakh |
| Daily Hospital Cash | Rs 1,000 to Rs 2,500 per day (limit 30 days) |
| Repatriation Cover | Up to Rs 50,000 |
| Add-ons | Life support, adventure sports cover, etc. (customisable) |
| Direct Claim Support & e-Services | Can be used to intimation, status of emergency claim |
What does the Global Personal Guard Policy do with claims made in foreign countries?
Bajaj Allianz also accepts emergency claims 24x7 via their international partner network, which makes it accessible even in case of incidences occurring abroad.
This personal accident policy is suitable in:
Real World Example
Rohit is a 32-year-old IT consultant in Bengaluru who works in Europe and Southeast Asia on projects. His family saved almost Rs 4 lakh in foreign medical expenses without any currency or process headache as his hospitalization was taken care of by the Bajaj Allianz Global Personal Guard policy after he was involved in a minor accident in Germany.
Did You Know?
There are policies that do not cover adventure sports injuries. Nevertheless, Global Personal Guard provides adventure sports add-on cover, which is an emerging request among global Indians in 2025.
Covered Events
Add-on Covers
Not Covered (Major Exclusions)
People Also Ask
Is global emergency evacuation covered?
Certain international emergency evacuation and repatriation supplements are offered at an additional cost.
Pros
Cons
| Policy | Coverage | International? | Sum Insured Max | Hospitalization Cover | Add-ons Available | Claim Process | Premium Approx. (Age 35, SI Rs 1Cr) |
|---|---|---|---|---|---|---|---|
| Bajaj Allianz Global PG | Accidents | Yes | Rs 25 crore | Up to Rs 10 lakh | Yes | Digital + App | Rs 12,500 year |
| Standard Domestic PA Plan | Accidents | India | Rs 1 crore | Up to Rs 2 lakh | Basic | Phone | Rs 5,200 year |
| International PA (Generic) | Accidents | Yes | Rs 5 crore | Up to Rs 5 lakh | Some | Digital | Rs 9,500 year |
Expert Insight:
Comparing global personal accident policies, sum assured and additional covers in real time across several insurers is a simple process through online insurance marketplaces.
Common Claim Documents
Case Study
Meera is a corporate executive in Pune, who had an accident during skiing in Switzerland. Her hospitalization claim was done online by Bajaj Allianz, and the claim was approved within nine days of uploading all the medical and travel documents by her.
Did You Know?
Bajaj Allianz offers multi-lingual customer service and online uploading of documents to make international claims.
The Bajaj Allianz Global Personal Guard premiums are based on:
| Sum Insured | Age 30 | Age 45 | Family Floater (2 Adults) |
|---|---|---|---|
| 25 lakh | 3,300 | 4,700 | 7,900 |
| Rs 1 crore | Rs 7,900 | Rs 10,500 | Rs 15,500 |
| Rs 5 crore | Rs 9,800 | Rs 15,800 | Rs 25,600 |
| 25 crore | 32,000 | 48,500 | 82,000 |
People Also Ask
Does the Global Personal Guard policy exist online?
It is available to buy online on the Bajaj Allianz site, on their mobile app, or on reputable online insurance marketplaces where you can compare plans side-by-side.
The selection of the right sum insured and add-ons depends on the following:
Handy Add-ons in 2025
Expert Insight:
It is prudent to use a digital advisor or online platform tool to compare premiums, coverage and add-on suitability when selecting or renewing your plan.
Family Traveller Cover:
An NRI couple who came to visit relatives in Mumbai had a small road accident; their hospital bills were reimbursed in 10 days, without the hassles of currency transfer and paperwork.
Student Abroad Safety:
A 22-year-old Indian student in Australia fractured his arm during a cycling accident. His surgery was covered by the Bajaj Allianz policy and this saved him Rs 3 lakh in out-of-pocket expense.
Adventure Protection:
An adventure sports add-on was used by a trekking enthusiast in Nepal after suffering an injury to a ligament. It covered the hospitalization expenses incurred in a foreign country, as well as the expenses incurred in travelling back to India, through a single online claim process.
People Also Ask
Do pre-existing disabilities exist?
No, but they are covered only in case of accidental injuries or events that happen after the purchase of the policy.
Bajaj Allianz Global Personal Guard is a global personal accident cover, which is perfect to people and families that have international requirements in 2025.
It provides good cover in terms of accidental death, disability, medical expenses abroad, hospital cash and repatriation.
It is customisable in terms of policy sum insured and add-ons and covers individuals between the ages of 18 and 70.
It is appealing to NRIs, frequent flyers, and international workers because of fast claim settlements and international support.
Before buying, compare features and prices on the major online insurance marketplaces to get the best value.
Q1. What is not included in Global Personal Guard Policy by Bajaj Allianz?
A1. Excluded may be natural illnesses, pre-existing injuries, deliberate self-harm, accidents caused by alcohol drugs, acts of war, and non-disclosed high-risk activities.
Q2. Can you cover family members in this policy?
A2. Yes, there are family floater plans, which can be customised, available to spouses and dependent children.
Q3. What are the premiums in comparison with other personal accident plans worldwide?
A3. The premiums are higher, in comparison to the domestic-only plans but similar to global specialty covers due to the higher global coverage and add-on flexibility.
Q4. What do I do to renew or upgrade my Bajaj Allianz Global Personal Guard policy?
A4. Use the insurer’s website, mobile app, or contact their call centre/digital marketplace partners before expiry to renew or modify your plan.
Q5. Do I need to take a medical checkup to buy this policy in 2025?
A5. Standard plans with up to Rs 1 crore of coverage do not need any medical check, in general, when you are below 50 years old and do not have any pre-existing high-risk conditions. In more cover or complex circumstances, reports may be needed.
Q6. What is the way to compare Bajaj Allianz Global Personal Guard with other plans?
A6. Real-time premium quotes, features, sum insured and side-by-side comparisons are available on trusted online insurance marketplaces.
The Bajaj Allianz Health Insurance Global Personal Guard Policy fits the changing demands of the Indians who lead a globalized life. It is a viable, affordable personal accident plan in 2025 with a solid global coverage, digital-first service, and strong protection options.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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