Manipal Cigna Health Insurance

ManipalCigna Health Insurance - Accident Retraining Expenses Benefit at Rs. 34

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 of up to Rs. 25,000 at Rs. 34

    Coverage of up to Rs. 25,000 of Rs. 34

    Provides coverage if the insured person suffers an injury leading to a disability and requires training for pursuing an alternative occupation.

  • Accident re-training expenses benefit

    Accident re-training expenses benefit

    Coverage for expenses towards re-training for an alternative occupation in case of accidental total, partial, and metal disablement.

  • 48 hours of continuous hospitalisation

    48 hours of continuous hospitalisation

    This benefit is payable post continuous hospitalisation for at least 48 hours.

  • End-to-end online process

    End-to-end online process

    About five minutes is all it would take to complete six simple steps and get your policy online.

  • No documents are required to buy

    No documents are required to buy

    When buying the Accident Retraining Expenses Benefit cover, you do not need to present any documents at the time of making the purchase.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy Accident Retraining Expenses Benefit 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 purchase of the policy. 

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Policy details

Here's a quick look at the policy details of Accident Retraining Expenses Benefit cover:

Policy details Description
Sum insured (in Rs.) 25,000
Premium including GST (in Rs.) 34
Policy tenure 1 year

Key inclusions and exclusions

Here's a quick look at the key inclusions and exclusions under the Accident Retraining Expenses Benefit cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Retraining expenses in case of accidental and mental disability The policy covers training expenses that may arise in case of occupation change due to an injury resulting in Permanent Total Disablement, Permanent Partial Disablement, or mental disability
Key exclusions Description
Adventure sports accident Any accident due to adventure sports is not covered
Non-hospitalisation The claim is only applicable if the insured person is continuously hospitalised for 48 hours

How to claim

You can reach out to the insurer (Manipal Cigna Health Insurance) to claim the benefits of the Accident Retraining Expenses Benefit 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 the Accident Retraining Expenses Benefit
    cover, you need to present the following documents:
    1. Policy document
    2. Discharge summary
    3. Complete billing details
    4. Medical and investigation reports

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

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

Frequently asked questions

Under what circumstances can you claim the benefits of Accident Retraining Expenses Benefit cover?

You can claim the benefits of the policy if the insured person suffers an injury which results in Permanent Partial/Total Disablement or mental disability, which may require a switch in occupation of the insured. The expenses for training courses are covered under the plan.

What is the annual premium for the Accident Retraining Expenses Benefit cover?

The annual premium for the Accident Retraining Expenses Benefit cover is Rs. 34 for a sum insured of Rs. 25,000.

Is hospitalisation a mandatory clause under the Accident Retraining Expenses Benefit cover?

The benefits under the policy can only be claimed if the insured is hospitalised for more than 48 hours continuously. 

What is the policy tenure of this policy?

All Pocket Insurance policies are valid for a tenure of one year. Post the policy’s expiry, you need to rebuy the cover.

What are the age criteria to buy the policy?

You need to be between the age of 18 and 65 years to buy the Accident Retraining Expenses Benefit cover.

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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 Manipal Cigna Health Insurance. 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.