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Home Modification Cover

Home Modification Cover

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An accident may result in permanent or partial disability. For better support and accessibility, the person with disability may need to make some modifications to their home and bathroom. These modifications can be expensive. With Group Care 360 - Home Modification Cover from Care Health Insurance Ltd., the insured person can avail of up to Rs. 10,000 as permanent disablement coverage and up to Rs 10,000 for home modifications.

Plan details

The plan offers permanent total disablement cover of up to Rs. 10,000 and home modification cover of up to Rs 10,000 at a premium of Rs. 177 (including GST). It is valid for 365 days.

The coverage is offered as per the following criteria:
Insured events Amount payable = % of the Sum Insured
Total and irrecoverable loss of sight in both eyes, or the actual loss by physical separation of two entire hands or feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot 100%
Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight in one eye and use of one hand or one foot 100%
Total and irrecoverable loss of sight in one eye, or the actual loss by physical separation of one entire hand or one entire foot 50%
Total and irrecoverable loss of use of a hand or a foot without physical separation 50%
Paraplegia, quadriplegia or hemiplegia 100%

What's covered

  • Money-in-bank

    Permanent total disablement

    If the insured member suffers an injury that directly results in permanent total disablement within 12 months of the accident (including the date of accident), they will get an amount as per the table above.

  • Money-in-bank

    Home modification

    The insured member will get coverage for reasonable and necessary modifications to their residence.

    For the list of exclusions, please refer to the policy wordings.

Claim process

You can raise a claim by contacting the insurer in one of the following ways:

Toll-free number: – 1800-102-4488

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.

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 the age of the 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. 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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