Accidents and critical illnesses can potentially disturb the financial healthof an individual and their family, especially when the patient is the sole breadwinner. If accidents happen at a time of suffering a critical illness, the financial burden can often get too much to handle.FlexiCare Group Insurance Policy - Accidental Death Cover with 11 Critical Illnesses from Manipal Cigna Health Insurance offers you coverage in the event of accidental death, permanent partial and total benefit, as well as against eleven critical diseases.
Sum insured up to |
Age Band |
Premium Including GST |
Rs. 5 lakh |
18-35 |
Rs. 1,564 |
36-55 |
Rs. 5,074 |
|
56+ |
Rs. 26,194 |
Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken as on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
The sum insured will be payable as per the policy if the injury is caused directly and solely by an accident that results in the policyholder passing away.
The sum insured will be payable if the accidental injury results in the permanent total disablement of the policyholder as per below table.
The sum insured will be payable if the accidental injury results in permanent partial disablement of the policyholder as per below table.
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 |
Any pre-existing disease.
*For a complete list of exclusions, please refer to the policy wordings.
Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.
Check and confirm your application by entering the OTP received on your mobile number.
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
You will receive the details of your membership via email/WhatsApp.
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.