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Accidental death, disability and common carrier plan

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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

Accidental death cover

Permanent total disablement benefit

Permanent partial disablement

Accidental death cover (common carrier)

Permanent total disablement benefit (common carrier)

Emergency road ambulance benefit

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

  • Money-in-bank

    Permanent partial disablement

    The sum insured will be payable if an accidental injury results in the insured person’s 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.

  • Money-in-bank

    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

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 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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