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Loss of earnings in the event of accidents can make it more challenging to tide off financial exigencies. However, having an insurance policy to cover such events can be a great way to navigate through challenging times, without disrupting long-term financial stability. FlexiCare Group Insurance Policy - Accident Loss of Earning Benefit Cover from Manipal Cigna Health Insurance Ltd. shields permanent partial or complete accidental disability and provides financial protection in the event of disablement or coma.

Plan Details

Sum Insured 

Premium Including GST  

Rs. 50,000

Rs. 244

Eligibility: You are eligible for the Accident Loss of earning benefit Cover between the age of 18 and 65 years. The age is determined based on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's covered

  • Money-in-bank

    Coverage for loss of earning

    If during the Policy Year, the Insured Person suffers an Illness/ Injury due to an accident, caused by an event/ peril covered under the policy and that Illness/ Injury solely and directly results in Hospitalisation, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total Disablement or Coma, as an effect, the Insured Person is disabled from engaging in his/her primary occupation and loses his/her source of income generation as a consequence thereof, the Sum Insured will be paid as per the limit as specified in the Policy Schedule/Certificate of Insurance.
    - Claims is once in a policy year
    - Payout capped at Actual Salary as on date of event
    - This product is applicable only for salaried employees

What’s not covered

Insured is applicable to claim under this policy only after hospitalization of 48 hrs, as cover eligibility is after continuous hospitalization of 48 Hrs

*For a full list of exclusions, please refer to the policy wordings.

How to apply


Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.


Check and confirm your application by entering the OTP received on your mobile number.


Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.


You will receive the details of your membership via email/WhatsApp.

Claim process

To raise a claim for your policy, you can contact the insurer via one of the following ways:

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at

Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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