Accident Hospital & Disability

Accident Hospital & Disability

Quick Connects Buy Now

Introduction

Accident is an unexpected event which may cause bodily injuries or disabilities. Medical treatment of these disabilities/injuries may be expensive. With FlexiCare Group Insurance Policy – Accident Hospital & Disability Cover from Manipal Cigna Health Insurance, one can avail coverage for accidental hospitalization, permanent partial or permanent disablement.

Plan Details

 

Option 1 Sum Insured Option 2 Sum Insured Option 3 Sum Insured

Accidental Hospitalization

Rs. 1 lakh

Accidental Hospitalization

Rs, 1 lakh

Accidental Hospitalization

Rs. 1 lakh

PTD*

Rs. 2 lakh

PTD*

Rs. 3 lakh

PTD*

Rs. 4 lakh

PPD*

Rs. 2 lakh

PTD*

Rs. 3 lakh

PTD*

Rs. 4 lakh

Premium including GST (Rs.)

Rs. 924

 

Rs. 964

 

Rs. 1,004

*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%

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), then the insured person will get paid to the percentage of sum insured as specified in the above table.

  • Money-in-bank

    Hospitalization Expenses

    Expenses up to Rs. 20,000 for accidental hospitalization are covered under the plan, provided the diagnosis is supported by the clinical confirmation by an appropriate consultant neurologist.

  • Money-in-bank

    Diagnostics tests

    The cost of conducting diagnostics tests before (within the specified pre-hospitalization period) or during the hospitalization period is covered under the plan.

  • Money-in-bank

    Doctor’s Fees

    Coverage for doctor’s fee can be availed before, during and after hospitalization.

  • Money-in-bank

    Expenses on medication

    Expenses towards purchase of medicines related to hospitalization are covered under the plan.

  • Money-in-bank

    Treatment Charges

    Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines and tests.

What's not covered?

  • It will not cover accidents due to recreational sports.
  • Cover will be eligible only after continuous hospitalisation of 48 hours.

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 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.”

Subscribe Now