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Accident Disability, Modification & Rehabilitation Cover

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Unforeseen events can majorly disrupt orderly human existence, which may have a tremendous impact on one’s finances. Having an insurance policy to cover such eventualities may offer a financial cushion during challenging times. With FlexiCare Group Insurance Policy - Accident Disability, Modification & Rehabilitation Cover from Manipal Cigna Health Insurance, one can avail coverage for permanent partial or total accidental disability. The plan offers financial security in case of accidents that cause disablement or death.

Plan Details

Coverage 1

Sum Insured up to

Coverage 2

Sum Insured up to

Coverage 3

Sum Insured up to

PTD

Rs. 2 lakh

PTD

Rs. 3 lakh

PTD

Rs.4 lakh

PPD

Rs. 2 lakh

PPD

Rs. 3 lakh

PPD

Rs. 4 lakh

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Premium Including GST

Rs. 114

Rs. 154

Rs. 194

Eligibility: You are eligible for the Accident Emergency Evacuation coverage between the age of 18 and 65 years. The age is determined based on last birthday.

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

What's Covered

  • Money-in-bank

    Accidental Permanent and Partial Disablement Benefit

    If the policyholder suffers from an injury caused by an event covered under the policy that directly results in permanent partial disablement, a percentage of the sum insured is paid. The injury must occur during the policy year. The disability should be of the nature covered under this policy and must occur within 365 days from the date of the accident. The maximum sum paid to the insurer is specified in the policy schedule or the certificate of insurance.

    This benefit is payable if:

    a. Permanent partial disablement of the insured person can be proved. You should submit a disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board to the insurer.

    b. For disablement other than physical separation of limb/s, digit/s, if the permanent partial disablement continues for at least 180 days and there is no reasonable medical hope of improvement, the insured person is eligible for a payout.

    c. If the insured person passes away before a claim is admitted under this benefit, no amount will be payable. However, the coverage under Accidental Death will become payable if opted.

    d. If the insured person suffers a loss that is not of the nature of permanent partial disablement specified above, a disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board determines the degree of disablement and the amount payable, if any.

  • Money-in-bank

    Accidental Permanent Total Disablement Cover

    If the insured person suffers an injury during the policy year due to an accident caused by an event covered under the policy that results in the permanent total disablement, the sum insured will be paid as per the policy schedule. Permanent total disablement must occur within 365 days from the date of the accident.

    A limb stands for a hand at or above the wrist or a foot above the ankle for this benefit. Physical separation of one hand or foot stands for separation at or above the wrist or ankle, respectively.

    The benefit specified above will be payable if:

    a. 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.

    b.For disablement other than physical separation of limb/s, digit/s, the permanent total disablement should continue for at least 180 days. After 180 days, if there is no reasonable medical hope of improvement and the disability is permanent, the insured person is eligible for a payout. 

    c. If the insured person passes away before a claim is admitted under this benefit, no amount will be payable. However, the Accidental Death Coverage will become payable if opted.

    d. Once a claim has been accepted and paid under this benefit, the insurance cover of the insured person will lapse.

  • Money-in-bank

    Modification Allowance Cover

    If the insured person suffers an injury during the policy year due to an accident caused by an event covered under the policy that results in the permanent total disablement, permanent partial disablement, critical illness or terminal illness to the extent that the insured person needs to make modifications in the house or vehicle, the costs incurred will be paid. These costs are paid as per the limit specified in the policy schedule or certificate of insurance.

  • Money-in-bank

    Accidental Rehabilitation Cover

    If the insured person suffers an injury due to an event covered under the policy and as a direct impact, the insured person needs to consult a recognized rehabilitation unit, the medical expenses will be paid. The expenses are paid up to the limit specified in the policy schedule or certificate of insurance, towards reasonable and customary charges for counseling fees, specialist consultation, and extended physiotherapy for rehabilitation. The benefit is payable if the consultation is medically necessary and recommended by the treating medical practitioner.

What's not covered?

  • Any pre-existing diseases
  • Any accident except 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.

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