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Accidental Temporary Total Disablement Cash Cover

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After an accident, many patients find themselves unable to return to work due to disabilities that result in families losing their daily income, especially when the patient is the sole breadwinner of the family. To get covered against the financial risks during such circumstances, you can choose an insurance policy that offers a daily cash benefit for people who suffer from accidental temporary total disablement.
FlexiCare Group Insurance Policy - Accidental Temporary Total Disablement Cash Cover from Manipal Cigna Health Insurance offers daily cash coverage if the policyholder suffers from temporary total disablement due to an accident.

Plan Details

Sum Insured – Daily Limit

Premium Including GST

Rs. 500

Rs. 94

Note: Daily limit is paid for a maximum of 15 days.

Eligibility: You are eligible for Accidental Temporary Total Disablement Cash Cover if you are between 18 and 65 years of age, as on the last birthday.

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

What's Covered

  • Money-in-bank

    Accidental Temporary Total Disablement

    Rs. 500 per day for 15 days is paid.

    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 temporary total 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.

    This cover is payable provided that the policyholder remains absent from his occupation for at least seven consecutive days (in which case benefit will be payable from day 1) or as specified otherwise in the policy schedule, post which if the policyholder is disabled for a part of the week, then only a proportionate part of the weekly benefit will be payable.

    The temporary total 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 this benefit, temporary total disablement means a disablement such that the person is totally disabled from engaging in any employment or occupation or business for remuneration or profit of any description whatsoever temporarily

What is Not Covered / Exclusions

  1. Medical treatment for any pre-existing diseases.
  2. Hospitalization for less than 48 hours.
  3. Claims more than once in a policy year.
  4. Treatment for 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: servicesupport@manipalcigna.com
  • 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 wecareinsurance@bizsupportc.com.

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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