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Introduction
An accident can happen anytime, anywhere, and the resulting injuries can be expensive to treat. To help you stay financially prepared for such an unforeseen event, FlexiCare Group Insurance Policy offers Accident Hospital and Disability Cover from Manipal Cigna Health Insurance. The plan offers coverage of up to Rs. 3lakh for accidental hospitalisation and permanent partial or total 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. 924 |
|
Rs. 964 |
|
Rs. 1,004 |
*PTD – Permanent Total Disablement
Eligibility: Those aged between 18 and 65 can purchase the policy.
The policy tenor is 1 year.
|
Nature of permanent partial disablement |
Percentage of 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 on any one foot |
10% |
|
iv. Loss of the big toe on any one foot |
5% |
|
v. Loss of toes, if more than one toe lost, on each foot |
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 of 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
-
Accidental permanent partial disablement benefit
Under the accident disability hospitalisation plan, the insured person will be paid the percentage of the sum insured as specified in the table above if an accident results in permanent partial disability during the policy year.
-
Accidental permanent total disablement benefit
The insured person will be paid the percentage of the sum insured as specified in the table above if an accident results in permanent total disability.
-
Hospitalisation expenses
This disability plan covers expenses of up to Rs. 20,000 for accidental hospitalisation, provided the diagnosis is supported by an appropriate consultant neurologist’s clinical confirmation.
-
Diagnostic tests
The cost of diagnostic tests before (within the specified pre-hospitalisation period) or during hospitalisation are covered.
-
Doctor’s fees
The plan also covers doctor’s fees before and during hospitalisation.
-
Medicines
Expenses on medicines related to hospitalisation are covered.
-
Treatment charges
The plan covers hospital room rent and expenses on ICU, blood transfusion, doctor’s fees, medicines and tests.
What's not covered
- Accidents sustained while participating in recreational sports
- Note: The insured person will be eligible for the cover only after continuous hospitalisation for 48 hours.
For the complete list of exclusions, please refer to the policy wordings.
How to apply for Health Prime Membership
1
Click on the ‘Buy Now’ button on this page 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.
Claim process
You can raise a claim by contacting the insurer in one of the following ways:
- Email : servicesupport@manipalcigna.com
- Toll-free number : 1800-102-4462
Contact us
For 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.”