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Introduction
Adventure sports are exhilarating but also risky. Accidents sustained during such activities can result in serious injuries, disability, or even death. Thus, it is wise to opt for an insurance plan that helps meet hospitalisation costs and supports the insured person’s family in such an eventuality.
FlexiCare Group Insurance Policy – Adventure Sport Accident Cover from Manipal Cigna Health Insurance is one such comprehensive plan. It offers up to Rs 4. lakh for accidental hospitalisation, accidental death and permanent or partial disability.
Plan details
| Option 1 | Sum insured | Option 2 | Sum insured | Option 3 | Sum insured |
| Accidental hospitalization | Rs. 1 lakh | Accidental hospitalization | Rs. 1 lakh | Accidental hospitalization | Rs. 1 lakh |
| AD | Rs. 2 lakh | AD | Rs. 3 lakh | AD | Rs. 4 lakh |
| PTD | Rs. 2 lakh | PTD | Rs. 3 lakh | PTD | Rs. 4 lakh |
| PPD | Rs. 2 lakh | PTD | Rs. 3 lakh | PTD | Rs. 4 lakh |
| Premium | Rs. 584 | Rs. 744 | Rs. 899 |
AD- Accidental Death
PTD- Post Traumatic Disorder
PPD- Permanent Partial Disablement
Eligibility: Persons aged between 18 and 65 can purchase the adventure sport accident insurance plan. The policy is valid for 1 year.
| 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 big toe– any one foot | 5% |
| v. Loss of toes other than big toe, if more than one toe is 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% |
| Nature of permanent total disablement |
| Total and irrecoverable loss of sight in both eyes |
| Loss by physical separation or total and permanent loss of use of both hands or both feet |
| Loss by physical separation or total and permanent loss of use of one hand and one foot |
| Total and irrecoverable loss of sight in one eye and loss of a Limb |
| Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye |
| Total and irrecoverable loss of hearing in both ears and loss of speech |
| Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye |
| Permanent, total and absolute disablement (not falling under any of the above) that results in the insured person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever, which results in loss of independent living |
What's covered
-
Accidental permanent partial disablement benefit
The insured person will be paid the percentage of the sum insured as specified in the table above if an accident results in permanent partial disability during the policy year.
-
Accidental permanent total disablement benefit
The insured person will be paid the percentage of the sum insured as specified in the table above if an accident results in permanent total disability.
-
Coverage against accidental death
If during the Policy Year, the Insured Person suffers an Injury due to an Accident which results in PTD, then Insured Person will get paid to the percentage of Sum Insured as specified in the above table.
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Hospitalisation expenses
The insured person can claim up to Rs 4 lakh for hospitalisation expenses, provided the diagnosis is supported by an appropriate specialist doctor’s clinical confirmation. The policy also covers expenses incurred during pre-and post-hospitalisation periods of 5 days.
What's not covered
- Illness or injury sustained before the 30-day initial waiting period
- Any pre-existing disease
For the complete list of exclusions, please refer to the policy wordings.
How to apply for Health Prime Membership
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
You can raise a claim by contacting the insurer in one of the following ways:
- Email : servicesupport@manipalcigna.com
- Toll-free number : 1800-102-4462
Contact us
For queries related to coverage, exclusions, or claims, please write to us at pocketservices@bajajfinserv.in.
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.”