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Comprehensive Permanent Partial Disablement Cover

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Suffering from a major illness or injury due to accidents is common these days. Some of the accidents can be severe enough to cause a total or partial disablement permanently. Such injuries need time to heal and their treatment can be quite expensive as well. Therefore, it is always better to have some financial aid to cope up with the treatment costs and hospitalization expenses. Bajaj Finserv is offering Comprehensive Permanent Partial Disablement Cover by collaborating with Manipal Cigna Health Insurance. This medical insurance provides comprehensive coverage if you suffer from the partial disablement in the form of an illness or injury that is sustained due to an accident. A high coverage amount of Rs. 1,00,000 is provided if you suffer from the permanent partial disablement and this amount will certainly reduce some of your financial burden during the treatment.

Plan/Membership Fee Details

Premium Including GST (Rs. )

Sum Insured (Rs. )

Rs. 1 lakh

Rs. 119

Eligibility Criteria: Individuals belonging to the age group of 18 to 65 years can apply for this policy.

Plan Validity: The policy is valid for 1 year.

What's Covered

What's Covered

  • Money-in-bank

    Complete coverage for Permanent Partial Disablement

    The insured person will be eligible for the coverage if he/she suffers from permanent partial disablement due to an illness/injury due to an accident, event, or illness/injury caused due to perils like fire, lightening, explosion, etc. A percentage of the sum insured will be paid as per the nature of the permanent partial disablement that are given in the below table:

    Note:

    Nature of Permanent Partial Disablement Percentage of the 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%


    Waiting Period
    Waiting period type Waiting Period
    Initial Waiting Period 30 days
    Specific Illness Waiting Period 2 days

  • Money-in-bank

    Waiting Period for specific disease/procedural waiting period

    A waiting period from the date of inception that is specified in the policy schedule/insurance certificate shall be considered for any treatments, medical or surgical expenses, or any other complications that have resulted during the course of the treatment. The waiting periods shall be applicable to the following diseases as per the waiting periods mentioned in the policy schedule/insurance certificate:

    - a. Cataract,
    - b. Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids.
    - c. Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal.
    - d. Varicose Veins and Varicose Ulcers.
    - e. Stones in the urinary uro-genital and biliary systems including calculus diseases.
    - f. Benign Prostate Hypertrophy, all types of Hydrocele.
    - g. Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.
    - h. Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.
    - i. Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/ skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases
    - j. Any Surgery of the genito-urinary system unless necessitated by malignancy.

What's not covered?

  1. Any accident caused due to adventure sports is not covered under this policy.
  2. If the child/children have a pre-existing illness/medical condition then it is not covered as well.


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

How to apply

1

Click on ‘Apply Now’ button 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 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 related to coverage, exclusions, or claims, please write to us at pocketservices@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 ManipalCigna FlexiCare 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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