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Accidental Temporary Total Disablement Cover Plan

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Any disabilities after an accident can make it difficult for patients to return to work, which causes considerable financial burden on a family. However, by availing an insurance policy that covers such events, a family can benefit from a financial cushion during such uncertain times.
FlexiCare Group Insurance Policy - Accidental Temporary Total Disablement Benefit Cover from Manipal Cigna Health Insurance offers coverage if the policyholder suffers from temporary total disablement due to an accident.

Plan Details

Sum insured up to

Premium including GST

Rs. 5000

Rs. 69

Rs. 10000

Rs. 109

Eligibility: You are eligible for Accidental Temporary Total Disablement Benefit 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

    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.

    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 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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