Personal Accident

• Stress free living with coverage up to INR 10 Cr.
• Cashless coverage for accidental inpatient hospitalization.
• Child Education & Support Lump sum payout for child education along with education counseling and placement support.
• Monthly Needs Benefit Lump sum payout for 3 months in case of accidents leading to death, PTD, PPD, coma or burns.

For detailed coverage information, please refer to the policy terms and conditions document.

• Policy Type Personal Accident Plan can be issued to an individual customer or family on individual basis. The family policy can have a maximum of 2 Adults & 4 Children.
• Entry Age Entry age for adults is 18 years to 65 years and entry age for children is 91 days years to 25 years (dependent children)
• Relationships allowed includes spouse, dependent children, parents and parents-in law
• Lifetime Renewability There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

• Family Discount: 10% discount on premium if 2 or more members are covered under an individual policy.
• Sum Insured discount: A 10% discount on the policy premium will be given for the first policy year and on every renewal of such policy, where base sum insured opted is INR 1Cr & above.
• Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. Youi get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)
• Standing Instruction Discount: 2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

• Self-inflicted Injury, Suicide or attempted suicide.
• Nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
• Committing an assault, a criminal offence or any breach of law with criminal intent.
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person.
• Adventure Sports
• Maternity, Pregnancy or Child birth or in consequence thereof.
• Any non-allopathic treatment.
• Diseases spread/ caused through an insect bite by transfer of organisms for which the insect is a known carrier or host.
• Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns.
• Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
• Costs which are not Reasonable and Customary and treatments which are not Medically Necessary

For detailed exclusions list information, please refer to the policy terms and conditions document.

Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01/04/2025 to 31/03/2028 for procuring or soliciting business of Life insurance, General insurance & Standalone Health insurance under Registration Code CA0004". Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read the sales read sales brochure carefully before concluding a sale. The purchase of Insurance products by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by the respective insurance company. Bank of Baroda does not perform any insurance e-commerce activity on its website. The contract of insurance is between the insurer and the insured; and not between the Bank and the Insured.