Common Searches
Our Products Offering
Common Searches
My Account
Preferred Language
Preferred Language
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.
Plan Details
|
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.
What's Covered
-
Coverage against accidental death
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.
-
Permanent Total Disablement
The sum insured will be payable if the accidental injury results in the permanent total disablement of the policyholder as per below table.
-
Permanent Partial Disablement (PPD)
The sum insured will be payable if the accidental injury results in permanent partial disablement of the policyholder as per below table.
-
11 Critical Illnesses Covered
- Cancer of specific severity.
- Myocardial Infarction (First Heart Attack – of specific severity).
- Open Chest CABG.
- Open Heart Replacement or Repair of Heart Valves.
- Coma of specified severity.
- Kidney Failure requiring regular Dialysis.
- Stroke Resulting in permanent symptoms.
- Major Organ or Bone Marrow Transplant.
- Permanent Paralysis of Limbs.
- Motor Neuron Disease with Permanent Symptoms.
- Multiple Sclerosis with Persisting Symptoms.
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%
Waiting PeriodNature 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
The initial waiting period for critical illness cover is 90 days, whereas the survival period waiting period is 30 days.
What's not covered?
Any pre-existing disease.
*For a 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 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 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.