Accidental Permanent Partial Disablement Cover - Cash

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Permanent or partial disabilities can impose a financial burden on an individual and their family, particularly when caused by unforeseen accidents. FlexiCare Group Insurance Policy - 'Accident Permanent Total Disablement Cover - Cash' from Manipal Cigna Health Insurance offers coverage in case the policyholder suffers from permanent total disablement due to an injury caused by an accident covered under the policy.

Plan Details

Sum Insured per month up to

Premium Including GST

Rs. 10000

Rs. 24

Eligibility: Any individual between the age of 18 and 65 years is eligible to avail this plan. For the purpose of application and claims, age as on last birthday is taken as final.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    Accident Permanent Partial Disablement Cash

    This policy provides a cover of up to Rs. 10000 per month for 90 days.

    If the policyholder suffers from an injury due to an accident covered under the policy and directly results in undergoing a surgical procedure covered under the policy and suffers permanent partial disablement of the nature specified below, the cash benefit will be payable. The illness or accident must occur within the policy year. The cash benefit is payable as per the policy schedule within 365 days from the date of the injury if caused due to an accident.  The cover will be payable if:

    The permanent partial disablement is proved. A disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board needs to be submitted.

    For disablement other than physical separation of limb/s, digit/s, the permanent partial disablement continues for at least 180 days from its commencement. If at the expiry of the 180 days there is no reasonable medical hope of improvement, such disability is considered permanent at the end of this period. If the policyholder passes away before the claim is admitted, no amount will be payable under this cover. However, coverage under Accidental Death shall become payable instead of this cover if opted.

    If the policyholder suffers a loss that is not of the nature of permanent partial disablement specified above, then a disability certificate issued by a civil surgeon or the equivalent appointed by the District, State, or Government Board will determine the degree of disablement and the amount payable, if any.

    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%

What's not covered?

  1. More than one injury in the policy year
  2. Any pre-existing disease
  3. Any accident except accidents caused due to adventure sports

*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:
  • 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

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.

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