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Travelling on a common carrier, such as an aeroplane, comes with the risk of accidents and injuries. These can result in grave injuries that could lead to death or disability. An insurance cover that offers financial support for such eventualities can create a safety net.
FlexiCare Group Insurance Policy – Accidental Death, Disability and Common Carrier Plan from Manipal Cigna Health Insurance offers coverage for accidental death and disability while travelling on a common carrier.
Plan details
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Accidental death cover
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Permanent total disablement benefit
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Permanent partial disablement
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Accidental death cover (common carrier)
|
Permanent total disablement benefit (common carrier)
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Emergency road ambulance benefit
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Funeral expense
|
Hospital cash
|
Premium including GST |
|
Rs. 5 lakh |
Rs. 10 lakh |
Rs. 10 lakh |
Rs. 2,000 |
Rs. 10,000 |
Rs. 500 per day of hospitalisation |
Rs. 585 |
||
Eligibility: Individuals between 18 and 65 can avail of the plan.
Validity: 1 year
What's covered
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Permanent partial disablement
The sum insured will be payable if an accidental injury results in the insured person’s permanent partial disablement.
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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.
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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.
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Emergency road ambulance cover
Up to Rs. 2,000 is reimbursed towards ambulance expenses.
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Funeral expenses
A one-time lump-sum payment of up to Rs. 10,000 is made towards specified funeral expenses.
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Hospital cash cover
A daily cash benefit is paid in a lump sum (as per the table above) if the policyholder undergoes hospitalisation for medically necessary treatment after an accidental injury.
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 anyone 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 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
- 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 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.