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In the event of death, the expenses of local burial or cremation, obtaining clearance for transferring the mortal remains back to the place of origin can be financially stressful for one’s family. Protect your family from the risks of incurring these unexpected expenses with an insurance policy that covers such expenses.
Bajaj Finance brings to you FlexiCare Group Insurance Policy, Accidental Death, Repatriation of Mortal Remains, Funeral Expenses and Dependent Children Benefit Cover from Manipal Cigna Health Insurance Co. Ltd., which provides cover for transporting the mortal remains back to place of origin or a local burial or cremation in the place of death, funeral cover and provides cover for dependent children.
Plan Details
|
Coverage |
Sum insured up to |
|
Accidental death (AD) |
Rs. 5 lakh |
|
Repatriation of mortal remains cover |
Rs. 50,000 |
|
Funeral expenses cover |
Rs. 10,000 |
|
Dependent children cover |
Rs. 1 lakh |
|
Premium (including GST) |
Rs. 234 |
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
-
Accidental Death
Suppose the insured person suffers from an accident covered under the policy that results in death. In that case, the insured person will receive the sum insured as per the certificate of insurance or the policy schedule under Group Personal Accident Benefit. The event must be covered under the insurance policy and should result directly in the policyholder passing away solely due to the injury within 365 days from the date of the accident. Once an insurance claim is accepted and paid under this coverage, it automatically terminates for the insured person.
-
Funeral Expenses
If during the policy year, the policyholder suffers an injury due to an accident covered under the policy in accordance with Section I.A.1 and that results in the death of the policyholder, the sum insured will be paid as specified in the policy schedule as per Sections I.A.1 towards:
- Expenses incurred for preparing the body of the deceased for burial or cremation and transportation to the address mentioned in the policy schedule or home.
- Funeral or cremation expenses in respect of the policyholder.
-
Repatriation of Mortal Remains
If the claim for accidental death has been accepted, reimbursement of the amount will be done up to the limit specified against this cover in the policy schedule towards the costs associated with the transportation of mortal remains from the place of death to the home location.
In addition, assistance will be provided by the insurer or the medical assistance service for organizing or obtaining the necessary clearances for the repatriation of mortal remains.
-
Coverage for dependent children
If the claim for accidental death has been accepted under Sections I.A.1, an additional amount as specified against this coverage in the policy schedule will be paid in respect of the dependent child (children) under the age of 25 as on the date of occurrence, irrespective of whether the child (children) is an insured person under this policy.
Any claim towards this cover that becomes admissible where the dependent child (children) is a minor shall be payable to the legal guardian.
If the policyholder has more than one child, the sum insured specified under this cover shall be paid equally among all eligible children.
What is Not Covered / Exclusions
- Any claim except Accidental death, Repatriation of Mortal remains and Dependent Children cover will not be accepted.
*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
- 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 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.