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COVID-19 Protection Cover

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Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. It not only offers you the option to get back the entire premium at the time of maturity but also protects you against financial loss from several critical illnesses. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.

                                                     Key Advantage 

 

Comprehensive cover:

Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs
 

Competitive premium:

Competitive premium with features in keeping with your requirements.
 

Return of premium:

Receive the total premiums paid towards the policy at the time of maturity provided, no claim is made

Whole life cover:

Avail cover till the age of 99 years by paying for a limited term only. Return of Premium option is not available if you opt for a whole life plan.

Multiple add-ons:

Get multiple add-on covers, like Accidental Death Benefit, Accidental Total Permanent Disability Benefit, Critical Illness cover and Waiver of Premium Benefit, for comprehensive coverage.
 
 

Covers 55 critical illnesses:

Acquire protection from several minor and major critical illnesses.
 

 

Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. It protects you against financial loss from several critical illnesses. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.

                                                    Key Advantage 

Additional cover for child’s education:

Provides extra protection of 10-100% of the base cover, for the child’s educational expense in case of death of the life assured.

Multiple add-ons:

This variant comes with multiple add-on covers, like Accidental Death Benefit, Accidental Total Permanent Disability Benefit, Critical Illness cover and Waiver of Premium Benefit.

Comprehensive cover:

Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs.

Competitive premium:

Competitive premium with features in keeping with your requirements.

Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.

                                                   Key Advantage 

 

Cover your spouse / additional cover for spouse:

This variant allows the life assured to add his/her spouse in the same policy.

Waiver of Premium Benefit:

The future premiums are immediately and automatically waived off and the benefits under the policy will continue in case of the occurrence of a pre-specified event.

Comprehensive cover:

Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs.

Competitive premium:

Competitive premium with features in keeping with your requirements.

Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.

                                                      Key Advantage 

Automatic increase of life cover:

The life cover increases at every policy anniversary. The maximum sum assured can increase up to 200% of the base cover.

Waiver of Premium Benefit:

The future premiums are immediately and automatically waived off and the benefits under the policy will continue in case of the occurrence of a pre-specified event.

Comprehensive cover:

Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs.

Competitive premium:

Competitive premium with features in keeping with your requirements.

 

Eligiblity

Entry Age

Minimum age is 18 years

Maximum age is 65 years

Maturity Age

Maximum age at maturity

With ROP – 75 years

Without ROP – 85 years

Whole Life – 99 years

Sum Assured

Minimum Sum Assured

`50,00,000

Maximum Sum Assured

As per Board Approved Underwriting Guidelines

Policy Term (PT) & Premium Payment Term (PPT)

 

Eligibility for Add-On Covers (if opted) with this Variant:

Minimum age at Entry

18 years

Maximum age at Entry

65 years

Sum Assured for ADB / ATPDB

Minimum Sum Assured

`5,00,000

Maximum Sum Assured

`2,00,00,000

Sum Assured for CIB

Minimum Sum Assured

`5,00,000

Maximum Sum Assured

`1,00,00,000

Maturity Age

Maximum age at Maturity

With ROP – 75 years

Without ROP & Whole Life – 80 years

Downloads

Claims Reporting

Mandatory documents required (Download Document Checklist)

  • Original policy documents

  • Attested copy of death certificate issued by local municipal authority

  • Death claim intimation form (Download Form)

  • NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook

  • Nominee’s photo identity & address proof such as copy of Passport, Voter identity card, Aadhar (UID) card, etc.

    •  etc.

Mandatory documents required (Download Documents Checklist)

  • Attested copies of medical records/ indoor papers of the hospital

  • Critical illness Claim form (Download Form)

  • Hospital discharge summary

  • Hospital bills

  • NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook

  • Claimant’s photo identity & address proof such as copy of Passport, Voter identity card, Aadhar (UID) card, etc.

Mandatory documents required (Download Documents Checklist)

  • Attested copies of medical records/ indoor papers of the hospital

  • Disability Benefit Claim form (Download Form)

  • Hospital discharge summary

  • Hospital bills

  • First Information Report (FIR), in casse of disability claims

  • NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook

  • Claimant’s photo identity & address proof such as copy of Passport, Voter identity card, Aadhar (UID) card, etc.

FAQ

Most frequent questions and answers

Death claim due to COVID-19  is covered under all policies of Bajaj Allianz Life and shall be processed as per the terms and conditions of the policy.

Hospitalisation claim due to COVID-19 is covered under Care First and Family Care First, the health policies of Bajaj Allianz Life.

At Bajaj Allianz Life, we follow three quick and simple steps for processing claims:

  • Claim Reporting: After getting the claims form, fill it, attach all necessary documents and submit it at our branch. Do reach out to our Insurance Consultant for any assistance
  • Claim Processing: We will assess your claim be in touch with you via SMS, e-mail or call, in case any further documents are required
  • Claim Settlement: Once all required documents are received and verified, we will settle the claim in accordance with terms and conditions of the policy purchased

Please visit our website, branch or ask our Insurance Consultant for the Claim form and a checklist of documents to be submitted along with it.

Please submit the duly completed Claim form along with all required documents at our branch only, or contact our Insurance Consultant for further assistance.

 

To enable us to process the claim in a timely manner, we request all claim forms along with the required documents be submitted. This will enable us to process the claim in a hassle free manner, and help life goals to get on track.

It is judicious to report a claim at the earliest. This will help us process it on time. In case of Critical Illness claims, it should be reported only after the end of survival period as mentioned in the policy contract.

Claims decision is communicated within 30 days of receipt of all necessary documents / clarifications. In case the claim requires further verification, it may take up to 120 days to settle the claim.

Claim amount will be transferred directly to the nominee’s bank account through electronic fund transfer.

In the above situations, we would require the proof of title / succession certificate issued by a competent court. In case we have accepted the claim but are waiting for the issued certificate of proof, we hold the money till the proof is submitted and pay interest as directed by the Insurance Regulatory and Development Authority of India.

A claim may be declined in case of non-disclosure of any material information/ misstatement of facts and is found to be made by the policyholder at proposal/revival stage, which would have affected the issuance/revival of policy/rider. Also, non-fulfillment of contract terms and conditions may also lead to claim being declined.

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