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
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
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.
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.
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.
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.
Click on the ‘Buy Now’ button on this page 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.
You can raise a claim by contacting the insurer in one of the following ways:
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 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.”