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Accidental death, disability and coma benefit

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Accidents may cause disabilities or result in a coma. An insurance policy can keep you financially prepared for such a situation. FlexiCare Group Insurance Policy – Accidental Death Cover, Disability and Coma Benefit from Manipal Cigna Health Insurance covers accidental death, coma and disability. The plan also includes funeral expenses and hospitalisation costs.

Plan details

Coverage type

Sum insured

Accidental death

Rs. 5 lakh

Permanent total disablement

Permanent partial disablement

Accidental death (common carrier)

Rs. 10 lakh

Permanent total disablement (common carrier)

Rs. 10 lakh

Emergency road ambulance benefit

Rs. 2,000

Funeral expenses

Rs. 10,000

Coma benefit

Rs. 1 lakh

Education fund

Rs. 1 lakh

Hospital cash

Rs. 500 per day of hospitalisation

Premium including GST

Rs. 623

Eligibility: Individuals between 18 and 65 can avail of the accidental death benefit.

Validity: 1 year

What's covered

  • Money-in-bank

    Accidental death

    The sum insured will be payable if an injury caused directly and solely due to an accident results in the policyholder’s death.

  • Money-in-bank

    Permanent total disablement

    Under the disability benefit component, the sum insured will be payable if an accidental injury leads to permanent total disablement.

  • Money-in-bank

    Permanent partial disablement

    The sum insured will be payable if an accidental injury leads to permanent partial disablement.

  • Money-in-bank

    Accidental death (common carrier)

    The cover is payable if the insured person, during the policy year, suffers an injury in an accident as an authorised passenger on a common carrier that results in death.

  • Money-in-bank

    Permanent total disablement (common carrier)

    The cover is payable if the insured person, during the policy year, suffers an injury in an accident as an authorised passenger on a common carrier that results in permanent total disability.

  • Money-in-bank

    Emergency road ambulance cover

    Up to Rs. 2,000 is reimbursed towards ambulance expenses.

  • Money-in-bank

    Funeral expenses

    A one-time lump-sum payment of up to Rs. 10,000 is made towards specified funeral expenses.

What's not covered

Any pre-existing disease.

*For the complete list of exclusions, please refer to the policy wordings.

How to apply

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/WhatsApp.

Claim process

You can raise a claim by contacting the insurer in one of the following ways:

Contact us

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 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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