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Accidental Permanent Partial/ Total Disablement Cover Plan

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Fatal accidents can often lead to permanent partial disablement (PPD) or permanent total disablement (PTD); the treatment for which incurs hefty medical expenses. To cover oneself against such expenditures, avail FlexiCare Group Insurance Policy - Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement Cover from Manipal Cigna Health Insurance provided by Bajaj Finserv. This policy provides an extensive financial coverage in case of PPD or PTD caused due to an accident up to Rs. 3 lakh.

Plan/ Membership Fee Details

Sum Insured

Premium (Including GST)

Rs. 1 Lakh

Rs. 214

Rs. 2 Lakh

Rs. 404

Rs. 3 Lakh

Rs. 594

Eligibility Criteria: People between the age group of 18-65 years can apply to this policy.

Plan Validity: The policy is valid for 1 year.

What's Covered

  • Money-in-bank

    Accidents Covered

    The policy covers accidents that occur due to any one of the following reasons:

    - Adventure sports
    - Recreational sports (including professional and semi-professional)
    - Animal attack (wild and domestic)
    - Act of God (natural disaster, earthquake, flood, forest fire, land slide)

  • Money-in-bank

    Accidental PTD Cover

    If during the policy year, the insured person suffers injury due to an accident which directly leads to PTD, then in such cases all medical expenses for a period of 365 days from the date of the accident will be covered.

  • Money-in-bank

    Accidental PPD Cover

    If during the policy year, an individual covered under the policy is wounded in an accident which directly leads to PPD, then he/she will be entitled to the coverage against all medical expenses for a period of 365 days from the date of the accident.

    Below is the table of nature of PPD/PTD and sum insured:

    Nature of PPD/PTD

    Percentage of the Sum Insured payable unless specified otherwise

    i. Total and irrecoverable loss of sight in one eye


    ii. Loss of one hand or one foot


    iii. Loss of all toes - any one foot


    iv. Loss of toe great - any one foot


    v. Loss of toes other than great, if more than one toe lost, each


    vi. Total and irrecoverable loss of hearing in both ears


    vii. Total and irrecoverable loss of hearing in one ear


    viii. Total and irrecoverable loss of speech


    ix. Loss of four fingers and thumb of one hand


    x. Loss of four fingers


    xi. Loss of thumb- both phalanges


    xii. Loss of thumb- one phalanx


    xiii. Loss of index finger-three phalanges


    xiv. Loss of index finger-two phalanges


    xv. Loss of index finger-one phalanx


    xvi. Loss of middle/ring/little finger-three phalanges


    xvii. Loss of middle/ring/little finger-two phalanges


    xviii. Loss of middle/ring/little finger-one phalanx


What's not covered?

- Any pre-existing disease

For list of exclusions, please refer to the policy wordings.

How to apply for domestic travel insurance online


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.

Claim process

You can raise a claim by contacting the insurer in one of the following ways:

Contact us

For queries related to coverage, exclusions, or claims, please write to us at

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 ManipalCigna FlexiCare 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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