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Accidental Death Cover with 15 Critical Illnesses

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Accidents and critical illnesses can entail lengthy and expensive treatments, creating an immense financial burden. An insurance plan that tackles both these eventualities can help safeguard you financially. FlexiCare Group Insurance Policy - Accidental Death Cover with 15 Critical Illnesses from Manipal Cigna Health Insurance offers coverage for accidental death, disability and against 15 critical diseases.

Plan details

Sum insured

Age band

Premium including GST

Rs. 5 lakh

18-35

Rs. 1,604

36-55

Rs. 5,189

56+

Rs. 27,054

Eligibility: Individuals between 18 and 65 can avail of the accidental death benefit with 15 critical illnesses plan.

Validity: 1 year

What's covered

  • Money-in-bank

    Accidental death

    The sum insured will be payable if an injury caused directly and solely due to an accident results in the policyholder’s death.

  • Money-in-bank

    Permanent total disablement

    The sum insured will be payable if an accidental injury leads to permanent total disablement.

  • Money-in-bank

    Permanent partial disablement

    The sum insured will be payable if an accidental injury leads to permanent partial disablement.

  • Money-in-bank

    15 critical illnesses

    1. Cancer of a specific severity
    2. Myocardial infarction (first heart attack, of a specific severity)
    3. Open chest coronary artery bypass graft
    4. Open heart surgery for replacement or repair of heart valves
    5. Coma of a specified severity
    6. Kidney failure requiring regular dialysis
    7. Stroke resulting in permanent symptoms
    8. Major organ or bone marrow transplant
    9. Permanent paralysis of limbs
    10. Motor neuron disease with permanent symptoms
    11. Multiple sclerosis with persisting symptoms
    12. Primary pulmonary hypertension
    13. Aorta graft surgery
    14. Deafness (loss of hearing)
    15. Blindness (loss of sight)

    Nature of permanent partial disablement

    Percentage of sum insured payable unless specified otherwise

    i. Total and irrecoverable loss of sight in one eye

    50%

    ii. Loss of one hand or one foot

    50%

    iii. Loss of all toes – any one foot

    10%

    iv. Loss of toe great – any one foot

    5%

    v. Loss of toes other than great, if more than one toe lost, each

    2%

    vi. Total and irrecoverable loss of hearing in both ears

    50%

    vii. Total and irrecoverable loss of hearing in one ear

    15%

    viii. Total and irrecoverable loss of speech

    50%

    ix. Loss of four fingers and thumb of one hand

    40%

    x. Loss of four fingers

    35%

    xi. Loss of thumb – both phalanges

    25%

    xii. Loss of thumb – one phalanx

    10%

    xiii. Loss of index finger – three phalanges

    10%

    xiv. Loss of index finger – two phalanges

    8%

    xv. Loss of index finger – one phalanx

    4%

    xvi. Loss of middle/ring/little finger – three phalanges

    6%

    xvii. Loss of middle/ring/little finger – two phalanges

    4%

    xviii. Loss of middle/ring/little finger – one phalanx

    2%

    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

    Waiting period

    The initial waiting period for accidental death benefit with 15 critical illnesses package is 90 days. The survival period is 30 days.

What's not covered

Any pre-existing disease

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

How to apply

1

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

2

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

3

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

4

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

Claim process

You can raise a claim by contacting the insurer in one of the following ways:
  • Email: servicesupport@manipalcigna.com
  • Toll-free number: 1800-102-4462

Contact us

For queries related to coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in

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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