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.
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.
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)
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.
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 | 50.00% |
ii. Loss of one hand or one foot | 50.00% |
iii. Loss of all toes - any one foot | 10.00% |
iv. Loss of toe great - any one foot | 5.00% |
v. Loss of toes other than great, if more than one toe lost, each | 2.00% |
vi. Total and irrecoverable loss of hearing in both ears | 50.00% |
vii. Total and irrecoverable loss of hearing in one ear | 15.00% |
viii. Total and irrecoverable loss of speech | 50.00% |
ix. Loss of four fingers and thumb of one hand | 40.00% |
x. Loss of four fingers | 35.00% |
xi. Loss of thumb- both phalanges | 25.00% |
xii. Loss of thumb- one phalanx | 10.00% |
xiii. Loss of index finger-three phalanges | 10.00% |
xiv. Loss of index finger-two phalanges | 8.00% |
xv. Loss of index finger-one phalanx | 4.00% |
xvi. Loss of middle/ring/little finger-three phalanges | 6.00% |
xvii. Loss of middle/ring/little finger-two phalanges | 4.00% |
xviii. Loss of middle/ring/little finger-one phalanx | 2.00% |
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.