null

Accident Permanent Total Disablement Cash Cover

Quick Connects Apply Now

Permanent or partial disabilities can impose a financial burden on an individual and their family, particularly when caused by unforeseen accidents. FlexiCare Group Insurance Policy - 'Accident Permanent Total Disablement Cover - Cash' from Manipal Cigna Health Insurance offers coverage in case the policyholder suffers from permanent total disablement due to an injury caused by an accident covered under the policy.

Plan Details

Sum Insured per month up to

Premium Including GST

Rs. 10000

Rs. 24

Eligibility: Any individual between the age of 18 and 65 years is eligible to avail this plan. For the purpose of application and claims, age as on last birthday is taken as final.


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

What's Covered

  • Money-in-bank

    Accident Permanent Total Disablement

    If the policyholder suffers from an injury due to an accident covered under the policy and directly results in undergoing a surgical procedure covered under the policy and suffers permanent total disablement of the nature specified below, the cash benefit will be payable up to Rs. 10000 per month for a maximum of 90 days. The illness or accident must occur within the policy year. The cash benefit is payable as per the policy schedule within 365 days from the date of the injury if caused due to an accident. 

    For this cover, a limb means a hand at or above the wrist or a foot below the ankle. Physical separation of one hand or foot stands for separation at or above the wrist and/or above the ankle, respectively.

    The cover will be payable if:

    The permanent total disablement is proved. A disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board needs to be submitted.

    For disablement other than physical separation of limb/s, digit/s, the permanent total disablement continues for at least 180 days from its commencement. If at the expiry of the 180 days there is no reasonable medical hope of improvement, such disability is considered permanent at the end of this period. If the policyholder passes away before the claim is admitted, no amount will be payable under this cover.

    If the policyholder suffers a loss that is not of the nature of permanent total disablement specified above, then a disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board will determine the degree of disablement and the amount payable, if any.

    Nature of Permanent Total Disablement
    Total and irrecoverable loss of sight in both eyes
    Loss by physical separation or total and permanent loss of use of both hands or both feet
    Loss by physical separation or total and permanent loss of use of one hand and one foot
    Total and irrecoverable loss of sight in one eye and loss of a limb
    Total and irrecoverable loss of hearing in both ears and loss of one limb/ loss of sight in one eye
    Total and irrecoverable loss of hearing in both ears and loss of speech
    Total and irrecoverable loss of speech and loss of one limb/ loss of sight in one eye
    Permanent, total, and absolute disablement (not falling under anyone the above) which results in the insured person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever, which results in loss of independent living

What's not covered?

  1. More than one injury in the policy year
  2. Any pre-existing disease
  3. Any accident except accidents caused due to adventure sports

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

How to apply

Click on ‘Apply Now’ button 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

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

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.

Subscribe Now