ManipalCigna Health Insurance - Accident Spouse Benefit at Rs. 79
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. 1 lakh at Rs. 79
The insured’s spouse will get coverage of up to Rs. 1 lakh in case of death or disability of the insured due to an accident.
Coverage for Permanent Total Disablement (PTD)
In case of PTD of the insured person due to an accident, the sum insured will be paid to the spouse.
Coverage for Permanent Partial Disablement (PPD)
In case of PPD of the insured person due to an accident, the sum insured will be paid to the spouse.
End-to-end online process
You can easily buy this policy online through our 100% digital and paperless process.
No documents are required to buy
When buying Accidental Spouse Benefit policy, 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 Spouse Benefit cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 - 65 years
No documents are required to buy the policy.
Simply provide the following details at the time of buying the policy:
- Email address
- Phone number
Step-by-step guide to buy this policy
Click on the ‘Buy Now’ button on this page.
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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.
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.
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.
Here’s a quick look at the policy details of Accident Spouse Benefit cover:
|Sum Insured (in Rs.)||1 lakh|
|Premium including GST (in Rs.)||79|
|Policy tenure||1 year|
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions of Travel (Injury + Baggage Loss) One cover:
- Key inclusions
- Key exclusions
|Accidental death and permanent total disability||Payout up to the sum insured in case of accidental death and disability|
|Domestic travel||Single trip for up to a maximum of 5 days, including city of residence|
|Baggage loss||Covers against loss of checked-in baggage during domestic travel|
|Trip cancellation cover||Covers against unexpected trip cancellation and interruption|
|In-patient care||Covers emergency in patient care with day care treatment|
|Travel against advice||Travelling against the advice of a medical practitioner is not covered|
|Medical treatment||Receiving medical treatment for an existing condition during policy term not covered|
|Medical travel||Travelling for the purpose of acquiring medical treatment is not covered|
For complete details on product benefits, features, terms, and exclusions, please read the product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accident Spouse Benefit cover by email or phone:
Insurer’s email address
Share your policy document and medical reports at firstname.lastname@example.org
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
To claim the benefits of Accident Spouse 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.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at email@example.com
Frequently asked questions
If you buy Accident Spouse Benefit cover through Bajaj Finance, you need not present any documents. You only need to fill in your basic details: name, address, email address and phone number registered with Bajaj Finance.
You need to fulfil the following criteria:
1. Age between 18 and 65 years
2. Indian nationals
3. Existing Bajaj Finance customers
The premium for the Accident Spouse Benefit cover is Rs. 79 for a policy tenure of one year.
If the insured person suffers an injury due to an accident which may lead to death or total disablement, the insured sum will be paid to the spouse.
To claim the benefits of the Accident Spouse Benefit cover, you can contact the insurer by writing a mail to firstname.lastname@example.org or calling on the toll-free number 1800-102-4462.
Expiry date means the date on which this policy expires as specified in the policy schedule.
It means admission in a hospital for a minimum period of 24 consecutive ‘In-patient Care’ hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.
Accidental physical harm excluding illness or disease directly caused by external, visible and evident means which is verified and certified by a Doctor.
The member or Dependents named in the Policy Schedule who is/are covered under the Policy.