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An unforeseen event such as an accident can result in permanent disability, which can cause immense emotional and financial strain. The right insurance policy can provide a financial cushion for such an eventuality.

FlexiCare Group Insurance Policy – Accident Permanent Partial Disablement Cash Cover from Manipal Cigna Health Insurance offers coverage if an accident leads to permanent partial disablement.

Plan details


Coverage up to

Rs. 69

Rs. 2 lakh

Rs. 114

Rs. 4 lakh

Rs. 139

Rs. 5 lakh

Eligibility: Individuals between 18 and 65 can avail of the plan.

Validity: 1 year

What's covered

  • Money-in-bank

    Accident permanent partial disablement cash cover

    A cash benefit of up to Rs 10,000 per month for up to 90 days will be payable if an injury or illness because of an accident leads to permanent partial disablement and requires surgery. The illness or accident must occur during the policy period and be of a nature covered in the policy. The cash benefit is payable within 365 days of the injury.

    The cover will be payable if:

          • The permanent partial disablement is proved. A disability certificate issued by a civil surgeon or an equivalent appointed by the district, state or government Board needs to be submitted.

          • For disablement other than physical separation of limb/s or digit/s, the permanent partial disablement must continue for at least 180 days from its commencement. If at the end of 180 days there is no reasonable medical hope of improvement, such disability is considered permanent. If the policyholder passes away before the claim is admitted, no amount will be payable. However, accidental death coverage will be payable if chosen.

          • If the policyholder suffers a loss, not of the nature of permanent partial disablement specified above, a disability certificate issued by a civil surgeon or an 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 the complete list of exclusions, please refer to the policy wordings.

How to apply


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/WhatsApp.

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 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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