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

    Coverage of up to Rs. 1 lakh at Rs. 79

    The insured’s spouse gets coverage up to Rs. 1 lakh if the insured suffers death or disability due to an accident. Coverage offered if death or disability occurred within 365 days of the accident.

  • Coverage for Permanent Total Disablement (PTD)

    Coverage for Permanent Total Disablement (PTD)

    The spouse gets the coverage if the insured suffers permanent total disability.

  • Coverage for Permanent Partial Disablement (PPD)

    Coverage for Permanent Partial Disablement (PPD)

    The spouse gets the coverage if the insured suffers permanent partial disability.

  • End-to-end online process

    End-to-end online process

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

  •  No documents required to buy

    No documents 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 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 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

    Step 1

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

  • Step 2

    Step 2

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

  • Step 3

    Step 3

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

  • Step 4

    Step 4

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

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment through UPI, net banking, credit/debit cards, or wallet.

  • Step 6

    Step 6

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

    Download the policy document from ‘My Account’ after 5-7 working days from the purchase date.

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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 One year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions under Accident Spouse Benefit cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Coverage for spouse in case of an accident In case of the insured’s accidental death or any disablement (total and partial), the spouse gets coverage of Rs. 1 lakh.
Key exclusions Description
Adventure sports accident Any accident due to adventure sports not covered
Any pre-existing disease No pre-existing medical illness covered

How to claim

You can contact 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 you need to buy a ManipalCigna Health Insurance policy?

You need no documents to buy Accident Spouse Benefit cover through Bajaj Finance. Only fill in your basic details like name, address, email address, and phone number on the form.

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

You can buy Accident - Spouse Benefit cover if you fit in the below criteria.
1. Age group 18-65 years
2. Indian national
3. Existing Bajaj Finance customer

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

Buy the Accident Spouse Benefit cover at a premium of Rs. 79 for one year.

What does Accident Spouse Benefit cover offer?

The plan covers the insured against accidental death or total disablement. The policy gives the spouse financial coverage if the insured suffers disability or death.

How to claim the benefits of the ManipalCigna Health Insurance policy?

Contact the insurer on email or call 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.