ManipalCigna Health Insurance

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.

Eligibility criteria 

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

Documents required

No documents are required to buy the policy.
Simply 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.

Show More Show Less

Policy details

Here’s a quick look at the policy details of Accident Spouse Benefit cover:

Policy details Description
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
Key inclusions Description
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
Key exclusions Description
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

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

    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 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.

    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

What documents are required to buy Accident Spouse Benefit cover?

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.

What are the eligibility criteria to buy the Accident Spouse Benefit cover?

You need to fulfil the following criteria:
1. Age between 18 and 65 years
2. Indian nationals
3. Existing Bajaj Finance customers

What is the premium and policy tenure for the Accident Spouse Benefit cover?

The premium for the Accident Spouse Benefit cover is Rs. 79 for a policy tenure of one year.

What is Accident Spouse Benefit cover?

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.

How to claim the benefits of the Accident Spouse Benefit cover?

To claim the benefits of the Accident Spouse Benefit cover, you can contact the insurer by writing a mail to or calling on the toll-free number 1800-102-4462. 


*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 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 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.