null

Accident Disability, Modification & Support Items Cover

Quick Connects Buy Now

Introduction

Accidents may result in permanent or partial disabilities and may involve high medical expenses. With FlexiCare Group Insurance Policy – Accident disability, Modification & Support Items Cover from Manipal Cigna Health Insurance, one can avail coverage up to Rs. 4 lakh in case of accidental disability, or requirement of modifications and support items

Plan Details

Option 1

Sum Insured

Option 2

Sum Insured

Option 3

Sum Insured

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

Support Items Cover

Rs. 20,000

Support Items Cover

Rs. 20,000

Support Items Cover

Rs. 20,000

Premium Including GST (Rs.)

Rs. 114

 

Rs. 154

 

Rs. 194

PTD – Permanent Total Disablement

Eligibility: Any person between the age of 18 and 65 years can purchase the policy.

Policy/Cover tenure will be 1 year.

 

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%
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 any one 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 Covered

What's Covered

  • Money-in-bank

    Accidental Permanent Partial Disablement Benefit (PPD)

    If during the policy year, the insured person suffers an injury due to an accident which results in PPD (Permanent/Partial Disability), then the insured person will get paid to the percentage of sum insured as specified in the above table.

  • Money-in-bank

    Accidental Permanent Total Disablement Benefit (PTD)

    If the insured person suffers an injury due to an accident which results in PTD (Permanent Total Disablement Benefit), then the insured person will get paid to the percentage of sum insured as specified in the above table.

  • Money-in-bank

    Modification Allowance Cover

    If the insured person suffers an Injury due to an accident which results in PPD/PTD, critical illness or terminal illness or requires modification in his/her house or vehicle, then they can avail coverage up to Rs. 20,000 towards such modifications.

  • Money-in-bank

    Accidental Support Items Cover

    If the insured person suffers an injury due to an accident that directly impacts their support items prescribed by a medical practitioner, they are eligible to avail a coverage up to Rs. 20,000.

What's not covered?

  • Any accident due to adventure sports is not covered.

  • Any pre-existing disease.

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:

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 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.”

Subscribe Now