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Bajaj Allianz 
Group Personal Accident Insurance
For Paragliding Pilots 

Renewal Deadline for Bir Season 2017

The PAI facilitated insurance provided by BAJAJ Allianz is due for renewal on 14th Oct 2017.
As this will be right in the middle of Bir/Billing season it may be difficult for pilots to be available for renewal.
Hence, we have decided to accept RENEWAL premiums starting now.

This will allow Bajaj Allianz to generate the policy and send it out to the applicants by end of September. 

The new policy will start on 15 Oct 2017 and will be valid for ONE year. Please travel with both your policy letters (old and new).

All new applicants are also requested to apply as soon as possible. 
 
Please note we will accept Premiums till 20 Sept 2017, to give us enough buffer period to get all policies issued at the earliest.

Why Bajaj Allianz ?

Bajaj Allianz GPGP (Global Personal Guard Policy) provides for a flat hospitalisation coverage subject to valid documents and fitness certificates in place.

Bajaj’s GPGP product has been found to be effectively addressing the current hospitalisation and allied charges in case of an accident. Also, the claim process has been tweaked for the PAI members so that claims can be settled effectively.

Covers paragliding and also other adventure sports. This can also backup for non adventure sports accident claims. It is not a health insurance.

Provides good basic covers for death and more importantly, 'Comprehensive Hospitalisation Charges'.

Benefit of 10% discount for PAI members under this policy vis a vis their printed premium.

Who can get insured ?

All PAI members who do not earn their livelihood from paragliding/powered paragliding sport or run a commercial business involving Paragliding.

All PAI members who are professionals having their main income from PG/ Adventure activities will not be covered by this policy. This is a limitation from Bajaj Allianz/IRDA and we are trying to convince them to do away with this clause in future.

Key Policy Features

Policy covers basically the following:

1. Accidental Death

2. Permanent Total Disability

3. Permanent Partial Disability

+ 12 other optional covers

However we recommend going for the Accidental Hospitalization Cover plus the Road and Air Ambulance Cover in combination with the above first 3 covers as it will cover the entire risk involved in a practical manner as enumerated below. This is so as the Hospitalization cover covers the entire gamut of expenses involved right from Hospitalisation to Discharge.


Key Policy Details

Provider : Bajaj Allianz General Insurance Company Ltd.

Policy No. : OG-17-9906-9902-00000006

Product : Group Personal Accident

Period of Insurance : From 00:01:00 15-OCT-16 To 14-OCT-17 Midnight

Insured Name : PARAGLIDING ASSOCIATION OF INDIA

Description : Global Personal Guard Policy (GROUP), Risk Class I

Before you apply you are advised to go through the information available on this page and the linked policy documents. Your decision to apply for the membership confirms that you have read all details and are in agreement with the terms and conditions.

Bajaj Premium
In case of any claim, please contact Bajaj Allianz 24 Hour Call Centre at :
1800-22-5858, 1800-102-5858 (Toll Free) /
91-020-30305858 (chargeable, add area code before this number in case of mobile call)
or email at customercare@bajajallianz.co.in with cc to insurance@pgaoi.org

FAQs

In consideration of payment of additional premium by the Insured to the Company and realization thereof by the Company, it is hereby agreed and declared that Global Personal Guard Policy is extended to cover the Insured Person, if he/ she is Hospitalized for a minimum period of 24 hours on the advice of a Doctor/ Medical Practitioner because of Accidental Bodily Injury sustained during the Policy Period, then the Company will pay the In-patient Treatment- Medical Expenses for the below listed items up to the Sum Insured stated under the heading ‘Accidental Hospitalization Expenses’, in the Policy Schedule, subject otherwise to all other terms, conditions and exclusions of the Policy:

* Room rent, boarding expenses
* Nursing
* Intensive care unit
* Consultation fees
* Anesthesia, blood, oxygen, operation theatre charges, surgical appliances
* Medicines, drugs and consumables,
* Diagnostic procedures,
* The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.
* Physiotherapy expenses as recommended by the treating Doctor

Day Care procedure coverage

Waiver of 24 hours hospitalization would be considered under Accidental Hospitalization Expenses for the surgeries/procedures due to technological advancement provided such procedures comply with the standard definition of Day Care Centre and Day Care treatment mentioned in the Policy definitions.

The Pre and Post Hospitalisation expenses payable under day care procedure shall include expenses incurred on Physiotherapy also.

If the claim under Accidental Hospitalization Expenses (including day care procedure) due to Accident of the Insured Person is accepted, then the Company will also pay below expenses:

i. Pre Hospitalization :

If the Company has accepted an inpatient Hospitalization claim under Accidental hospitalization Expenses then the Company will also reimburse the Medical Expenses incurred during the 60 days immediately before the Insured Person was Hospitalized for Accidental Bodily Injury, provided that such Medical Expenses were incurred for the same injury for which subsequent Hospitalization was required.

ii. Post-Hospitalization :

If the Company has accepted an inpatient Hospitalization claim under Accidental Hospitalization Expenses then the Company will also reimburse the Medical Expenses incurred during the 90 days immediately after the Insured was discharged post Hospitalization provided that, such costs are incurred in respect of the same injury for which the earlier Hospitalization was required.

Specific Exclusion Applicable to Accidental Hospitalization Expenses Cover:

1. Any Hospitalization for an existing disability from a previous Accident which has occurred prior to the first inception of this Policy.

2. Any stay in Hospital for an Injury due to Accident without undertaking any treatment.

3. Any Hospitalization for Accidental Injury aggravated by an existing disability or pre-existing illness / condition / injury.

4. Any Hospitalization due to an Accidental Injury where the treatment is undertaken by a family member and self medication or any treatment that is not scientifically recognized.

5. Vaccination and inoculation of any kind unless forming part of treatment for Injury due to an Accident as prescribed by the Medical Practitioner.

6. Vitamins and tonics unless forming part of treatment for Injury due to an Accident as prescribed by the Medical Practitioner.

7. Aesthetic treatment, cosmetic surgery and plastic surgery unless necessitated due to Accident or as a part of any Injury.

8. Treatment taken from persons not registered as Medical Practitioners under respective Medical Councils. .

9. Any other medical or surgical treatment except as may be necessary solely as a result of Injury.

10. Any treatment taken outside India.

11. Whilst engaged in adventure sports, unless specifically covered under the base policy.

12. Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization.

13. Experimental, unproven or non-standard treatment.

If the Insured Person meets with any Accidental Bodily Injury that may result in a claim, then as a condition precedent to our liability:

a. 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.

b. Insured Person must immediately consult a Doctor and follow the advice and treatment that he recommends.

c. Insured Person must take reasonable steps to lessen the consequence of Bodily injury.

d. Insured Person should allow examination by our medical advisors if we ask for this.

e. Policyholder or Insured Person or someone claiming on his/her behalf must promptly give us documentation and other information we ask for to investigate the claim or our obligation to make payment for it.

f. In case of the Insured Person’s death, someone claiming on his/her behalf must inform us in writing immediately and send us a copy of the post mortem report (if conducted) within 30 days.

*Note: Waiver of conditions (a) and (f) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured Person was placed, it was not possible for the Insured Person or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.

In case of any claim, please contact Bajaj Allianz 24 Hour Call Centre at :
1800-22-5858, 1800-102-5858 (Toll Free) /
91-020-30305858 (chargeable, add area code before this number in case of mobile call)
or email at customercare@bajajallianz.co.in with cc to insurance@pgaoi.org

List of Claim documents in case for Death :

* 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
* Burial Certificate (wherever applicable)
* Attested copy of Statement of Witness, if any lodged with police authorities
* 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)
* NEFT details & cancelled cheque of the Nominee/ legal heir of the insured Person
* Original Policy copy along with Original Assignment endorsement (if any)

List of Claim documents for Disappearance :

* 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 confirming disappearance from appropriate authority following a forced landing, stranding, sinking or wrecking of a conveyance
* Documentary proof of fare paying passenger of a conveyance as an occupant
* Attested copy of Statement of Witness, if any lodged with police authorities
* Attested copy of FIR / Panchanama / Inquest Panchanama
* NEFT details & cancelled cheque of the Nominee/ legal heir of the insured Person
* Original Policy copy along with Original Assignment endorsement (if any)

List of Claim Documents Specific for Accidental Hospitalization Expenses :

* First Consultation letter from the Doctor
* Duly completed claim form signed by the Claimant
* Hospital Discharge Card
* Hospital Bill giving detailed break up of all expense heads mentioned in the bill. Clear break ups have to be mentioned for OT Charges, Doctor’s Consultation and Visit Charges, OT  Consumables, Transfusions, Room Rent, etc.
* Money Receipt, duly signed with a Revenue Stamp
* All original Laboratory and Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG, MRI Scan, Haemogram etc.
* Other documents as may be required by the Company to process the claim

List of Claim Document Specific to Adventure Sports Benefit :

* Certificate of participation from Sports event organizer, only in case of accident arising when participating in any competition / event.
* Pre participation fitness certificate (very important to procure and keep), and certificate from the treating doctor mentioning the nature of the Injury
* All Investigation reports
* Discharge summary (If hospitalized)
* Documents as listed for claim under Death / Permanent Total Disability
* PAI Incident report


Please note, PAI is neither the service provider, insurance agent or authority in issuing the policies or settling the claim. PAI is simply extending a facility to PAI members. Acceptance of your request to issue an insurance policy or a claim is at the sole discretion of Bajaj Allianz General Insurance Company Ltd.

For more information or follow up on insurance matters, 
please connect with 

Gokul Krishnan

insurance@pgaoi.org
Cell : +91 98201 93146

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