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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
-
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) -
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.
-
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
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%
What's not covered?
How to apply for domestic travel insurance online
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.
Claim process
- Email: servicesupport@manipalcigna.com
- Toll-free number: 1800-102-4462
Contact us
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.”