Firecrackers are integral in most celebrations and festivals in India. However, there always exists a high risk of injuries, accidents, and disabilities with the use of fireworks. With Firecracker Insurance from Bajaj Finserv, you can get coverage for financial losses suffered due to firecracker-related accidents.

The policy offers you coverage for treatment of injuries, loss of income due to disability, and more. Read on to know the inclusions, exclusions, application procedure, and other details pertaining to the policy.

  • Coverage Under Firecracker Insurance

  • High Sum Insured

    The Firecracker Insurance policy offers a high coverage of up to Rs. 2 lakh at a nominal premium of Rs. 549.

  • Coverage For Permanent/Partial Disability

    In the event of permanent or partial disability, the policy offers coverage of up to Rs. 1 lakh. The coverage is applicable under the following instances:
    - Loss of eyesight (both eyes)
    - शारीरिक अपंगता या दोनों हाथों या दोनों पैरों को उपयोग करने की क्षमता नष्ट होना
    - शारीरिक अपंगता या एक हाथ और एक पैर के उपयोग करने की क्षमता नष्ट होना
    - एक आंख की रोशनी जाना और शारीरिक अपंगता या एक हाथ या एक पैर के उपयोग करने की क्षमता नष्ट होना

  • Treatment Expenses Covered

    The policy covers medical expenses on the treatment of injuries caused due to firecrackers. It offers coverage of up to Rs. 2 lakh for accidental hospitalisation and Rs. 25,000 for ambulance charges.

  • Coverage For Loss of Income Due To Disability

    An accident may result in disability that may further lead to loss of regular income. With Firecracker Insurance from Bajaj Finserv, you can avail a compensation of up to Rs. 1,000 per week in accordance with the terms of the policy.

    Children can also be covered as dependents if they are in the age group of 3 months to 25 years.

    Here are the details for dependent children / spouse for the Firecracker Insurance policy.

    Coverage Sum Insured for Proposer Sum Insured for Spouse Sum Insured for Child
    Permanent Partial Disability Rs. 200,000 Rs. 1,00,000 रु. 50,000
    Accidental Hospitalization Rs. 200,000 Rs. 200,000 रु. 200,000
    Road Ambulance Rs. 25,000 Rs. 25,000 रु. 25,000
    Loss of Income Rs. 1,000 per week Not Applicable लागू नहीं

  • Exclusions Under Firecracker Insurance

  • Age Restrictions

    Individuals below the age of 18 years and above the age of 70 years are not eligible to purchase this insurance policy.

  • Injuries Caused Due To Other Reasons

    Medical expenses on treatment of injuries that are not caused by firecrackers are not covered under Firecracker Insurance.

  • Existing Disabilities

    Any hospitalization for an existing disability from a previous accident is not covered under this policy.

How To Apply For Firecracker Insurance?

Applying for a Firecracker Insurance is quick and hassle-free. All you need to do is fill in the application form and make the payment using any of the convenient mode of payment such as debit card/credit card. UPI, net banking, amongst others.

How To Make A Claim Under Firecracker Insurance?

You can lodge a claim on your existing Firecracker Insurance policy by reaching out to the insurer in the following ways:

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