null

Accidental Death Cover with 36 Critical illness

Quick Connects Buy Now

Critical illnesses claim the lives of numerous individuals each year. Families undergo a tremendous amount of stress during such circumstances. However, with an insurance policy covering such events, they can relieve themselves of financial stress.
FlexiCare Group Insurance Policy - Accidental Death Cover with 36 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 thirty-six critical diseases.

Plan Details

Sum insured up to

Age Band

Premium Including GST

Rs. 5 lakh

18-35

Rs. 1,774

36-55

Rs. 5,714

56+

Rs. 29,839

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

  • Money-in-bank

    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.

  • Money-in-bank

    Permanent Total Disablement

    The sum insured will be payable if the accidental injury results in the permanent total disablement of the policyholder as per table below.

  • Money-in-bank

    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.

  • Money-in-bank

    36 Critical Illnesses Covered

    1. Cancer of specific severity.
    2. Myocardial Infarction (First Heart Attack – of specific severity).
    3. Open Chest CABG.
    4. Open Heart Replacement or Repair of Heart Valves.
    5. Coma of specified severity.
    6. Kidney Failure requiring regular Dialysis.
    7. Stroke Resulting in permanent symptoms.
    8. Major Organ or Bone Marrow Transplant.
    9. Permanent Paralysis of Limbs.
    10. Motor Neuron Disease with Permanent Symptoms.
    11. Multiple Sclerosis with Persisting Symptoms.
    12. Primary Pulmonary Hypertension.
    13. Aorta Graft Surgery.
    14. Deafness (Loss of Hearing).
    15. Blindness (Loss of Sight).
    16. Aplastic Anemia.
    17. Coronary Artery Disease.
    18. End-stage Lung Disease.
    19. End-stage Liver Failure.
    20. Third Degree Burns (Major Burns).
    21. Fulminant Hepatitis.
    22. Alzheimer’s Disease.
    23. Bacterial Meningitis.
    24. Benign Brain Tumor.
    25. Apallic Syndrome.
    26. Parkinson’s Disease.
    27. Medullary Cystic Disease.
    28. Muscular Dystrophy.
    29. Loss of Speech.
    30. Systemic Lupus Erythematous.
    31. Loss of Limbs.
    32. Major Head Trauma.
    33. Brain Surgery.
    34. Cardiomyopathy.
    35. Creutzfeldt-Jacob Disease (CJD).
    36. Terminal Illness.

    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

    Waiting Period 

    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

Click on ‘Apply Now’ button 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

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

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.

Subscribe Now