ManipalCigna Health Insurance

ManipalCigna Health Insurance - Accident – One EMI Protection at Rs. 24

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Coverage up to Rs. 50,000, premium starting at Rs. 24

    Get coverage up to Rs. 50,000 for a single EMI in case the insured suffers through an injury due to an accident.

  • Medical expenses covered

    Get coverage for hospitalisation expenses to cover Permanent Total Disablement (PTD), Permanent Partial Disablement (PPD), Temporary Total Disablement (TTD), and Coma.

  • Cash benefit

    Avail of the cash benefit to pay for your EMIs on the existing insurance-linked loan.

  • End-to-end online process

    You can buy the policy online through our 100% digital and paperless process.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Accident – One EMI Protection cover. If you meet all the eligibility criteria, we will need a few details to complete your application process. 

Eligibility criteria

  • Exclusively for Bajaj Finance customers
  • Nationality: Indian 
  • Age: 18 - 65 years

Documents required

No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
  • Name
  • Address
  • Email address
  • Phone number

Step-by-step guide to buy this policy

  • Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards and wallet.

  • Step 6

    After the payment is successful, you can download the policy receipt instantly.

    You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchasing the policy.

    In case your details need to be changed, you can update it on ‘My Account’ (our customer portal). Once your information has been updated, you can resume your application form by revisiting this page.
    In case all the information is in order, click on the ‘Proceed’ button.

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Policy details

Here’s a quick look at the policy details of Accident – One EMI Protection cover:

  • Premium of Rs. 24
  • Premium of Rs. 29
  • Premium of Rs. 39
  • Premium of Rs. 44
  • Premium of Rs. 59
Policy details Description
Sum insured (in Rs.) 5,000
Premium including GST (in Rs.) 24
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 10,000
Premium including GST (in Rs.) 29
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 20,000
Premium including GST (in Rs.) 39
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 25,000
Premium including GST (in Rs.) 44
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 50,000
Premium including GST (in Rs.) 59
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the inclusions and exclusions under the Accident – One EMI Protection cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
EMI cover Get financial assistance to pay one month’s EMI in case the insured suffers an injury due to an accident
Key exclusions Description
Pre-existing disease Treatment against pre-existing diseases
Adventure sports-related accidents Any injury due to adventure sports-related accidents
Self-inflicted injury Any injury caused intentionally

How to claim

You can reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accident – One EMI Protection cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-102-4462 and claim the benefits.

  • Documents required to claim

    Documents required to claim

    To claim the benefits of Accident – One EMI Protection cover, you need to present the following documents:
    1. Policy document received at the time of purchase
    2. Discharge summary
    3. Complete billing in case of reimbursement
    4. For cashless, policy document, cashless card issued by the insurer, if any
    In case of cashless claims, the billing details are directly shared with the insurance company by the network hospital and settled before discharge

  • Contact Bajaj Finance

    Contact Bajaj Finance

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

What is the premium for the Accident – One EMI Protection cover?

This policy offered by Bajaj Finance is available at a premium starting at Rs. 24 for a sum insured of up to Rs. 50,000.

Can I buy the Accident – One EMI Protection cover offline?

No, you can buy this policy online only at the Bajaj Finance Insurance Mall.

What is the policy tenure for this policy?

This policy is valid for a tenure of 1 year. 

What all benefits are not covered under this policy?

Hospitalisation due to pre-existing diseases, injuries incurred during adventure sports and self-inflicted injuries are not covered under this policy.

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*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 ManipalCigna Health Limited. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. 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. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.