Global Personal Guard Policy

Global coverage for death, permanent disability, injury from an adventure sports accident, coma due to accidental bodily injury and more

Choose from host of base & optional covers

Acts as a financial cushion by paying a lumpsum amount in case of death/ disability to protect you or your dependents from hardships of life

Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability

Offers financial protection by covering Accidental Death, Disabilities, medical expenses, and other related costs due to accidents

Covers EMI payments if the policyholder is unable to work due to a disability from an accident

Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date

Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date

Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date

Additional payment of up to 1% of Death Cover sum insured for expenses of transporting mortal remains

Additional payment of 1% of Death Cover sum insured towards Funeral Expenses

Pays Death Cover sum insured if insured person is declared as disappeared as per terms & conditions

Pays additional payment of 2% of PTD Cover sum insured towards modification of home or vehicle to help you adjust to new circumstances

Self-injury, illegal activities, hazardous activities and more

While under the influence of liquor or drugs , alcohol or other intoxicants

While engaged in hazardous activity unless specifically insured

The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders

Whilst engaging in Adventure Sports unless specifically insured

Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered

Please read Policy wording for detailed exclusions

Pays agreed amount in case of death & permanent disability caused while engaging in adventure sports in non-professional capacity under a trained professional's supervision

Indemnifies for ememgency air ambulance evacuation expenses incurred to take you from the accident site to the nearest hospital

Pays agreed amount in case of death/ permanent disability to help cover dependent children's education costs

Pays agreed amount in case of accidental bodily injury causes you to be in a coma within one month from the date of the accident

Covers your EMIs in case of accidental bodily injury resulting in permanent partial disability. Preventing you from working for at least one month

Covers accidental bodily injuries resulting in bone fractures within the policy period

Pays a per day benefit amount for the period of hosppitalization subject to maximum of 60 days per policy period

Get coverage for the outstanding loan amount (up to the sum insured) in case the policyholder passes away due to accidental injuries or incurs a permanent total disavbility within 12 months of the accident

Get weekly payments to help with miscellanious expenses in case the policyholder incurs post-accidental bodily injuries that temporarily prevents them from working

Covers cost on an ambulance offered by a healthcare or ambulance service provider

Pays travel expenses for a family member to reach the place outside your homecity, if you are hospitalized in case of an accident

Tele Consultation Cover,Doctor-Prescribed Investigations Cover – Pathology & Radiology Expenses, Doctor Consultation Cover (In Clinic), Annual Preventive Health Check -up Cover etc