Bajaj Allianz Sankat Mochan Policy

Bajaj Allianz Sankat Mochan Policy is a product for the security of your life amid the technological advancement that has brought both massive changes and cures for our society. The unpredictable and unforeseen dangers can occur just at any time and place. Injury or death of a family member is enough to create a lot of serious financial problems. The Sankat Mochan Policy by Bajaj Allianz General Insurance Company is specifically designed to safeguard you against such circumstances.

Bajaj Allianz Sankat Mochan Policy Coverage

  • Sankat Mochan Policy covers Death.
  • Permanent Total Disability
  • Permanent Partial Disability.
  • Temporary Total Disability due to any accidental injury.
  • The policy also covers Hospital Confinement Allowance.
  • Covers the expenses of accidental hospitalization.

Benefits and Features of Sankat Mochan Policy

  • 100% of Sum Insured on death.
  • Highest compensation of 125% of Sum Insured for Permanent Total Disability (PTD).
  • 2% - 75% compensation of Sum Insured for Permanent Partial Disability (PPD) depending on the type and kind of permanent partial disablement.
  • Compensation of 1% of the Sum Insured or Rs5000/- per week for Temporary Total Disability (TTD)
  • Provides education bonus for children in case of Permanent Total disability or Death of the proposer.
  • Offers Income Tax Benefits under Section 80D of the Income Tax Act on the premium payable for Accidental Hospitalization.

Exclusions of Sankat Mochan Policy

  • Self inflicted injuries, suicidal acts, attempt to suicide
  • Childbirth / Pregnancy / Miscarriage / Abortion or any other complications arising out of any of these.
  • Any disablement / injury /death directly or indirectly due to any pre-existing condition.
  • HIV / AIDS / any other venereal diseases or other STD's
  • Nuclear radiation or energy.
  • Any injuries arising out of you participation in military / naval / air force etc.
  • Injuries arising out of war / war like activities.

Eligibility of Sankat Mochan Policy

  • Anyone (proposer/spouse) of the age between 18 years to 65 years.
  • Children between 5 years to 25 years of age.


Since life is a crazy ride and you have no idea what disaster tomorrow may bring on your life, Bajaj Allianz Sankat Mochan Policy is must to fight head to head against such complications arising out of your day to day lives.