ManipalCigna Health Insurance - Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit
Product highlights
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
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Pay Rs. 159 – Sum insured of up to Rs. 10,000
With a premium of Rs. 159, get coverage of up to Rs. 5,000 for damage to your PPE. Get up to Rs. 10,000 for accidental hospitalisation.
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PPE damage cover
Covers the damage caused to the insured’s PPE due to an accidental injury.
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Hospitalisation expenses coverage
This plan covers medical expenses incurred for treatment due to accidents, including pre-hospitalisation and post-hospitalisation.
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Coverage for diagnostic tests and medication
Covers the cost of diagnostic tests and medication taken during the hospitalisation period.
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End-to-end online process
You can complete the application online and get a policy issued in just few minutes. No need to go anywhere or call anyone.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit. 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 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
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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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.
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Step 5
At this point, the payment page will open. Complete the online payment through UPI, net banking, credit/debit cards, or wallet.
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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.
Policy details
Here’s a quick look at the policy details of Accidental Hospitalisation and Personal Protective Equipment cover:
| Policy details | Description |
|---|---|
| Sum insured for accidental hospitalisation (in Rs.) | 10,000 |
| Premium including GST (in Rs.) | 159 |
| PPE damage benefit (in Rs.) | 5,000 |
| Policy tenure | One year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| PPE damage | PPE implies to any equipment that reduces the risk to an individual’s health and safety. Please refer to the policy details for the list of equipment covered |
| Accidental hospitalisation expenses cover | Any injury due to an accident resulting in hospitalisation |
| Diagnostics test | Cost of conducting diagnostic tests during as well as pre- and post-hospitalisation |
| Treatment charges | Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines, and tests |
| Expenses on medication | Expenses towards the purchase of medicines related to hospitalisation |
| Doctor’s fees | Expenses towards doctors’ consultation before, during and after the hospitalisation are covered |
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | No pre-existing medical illness covered |
| Adventure sports accidents | Accidental hospitalisation caused due to adventure sports |
Product information
For complete details on product benefits, features, terms, and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accidental Hospitalisation and Personal Protective Equipment policy by email or phone:
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Insurer’s email address
Share your policy document and medical reports at servicesupport@manipalcigna.com.
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-102-4462 and claim the benefits.
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Documents required to claim
To claim the benefits of Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit, you need to present the following documents:
1. Policy document received at the time of purchase
2. Discharge summary
3. Complete billing details in case of reimbursement
In case of a cashless claim, you need the following documents:
1. Policy document
2. Cashless card issued by the insurer, if any
The insurer will directly settle the bills with the network hospital before discharge. -
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in.
Frequently asked questions
Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit policy covers the damages caused to your PPE due to an accident. Get coverage for accidental hospitalisation expenses, including doctor’s fees and diagnostic test charges. Also, medication and treatment charges borne during the hospitalisation.
The plan comes at an annual premium of Rs. 159. Get coverage up to Rs. 10,000 for accidental hospitalisation and up to Rs. 5,000 for PPE damage.
Any existing Bajaj Finance customer can buy the plan. Anyone in the age group of 18-65 years and an Indian national can buy the plan.
PPE implies any equipment that lessens the risk to an individual’s health and safety. Covers equipment like safety goggles, high visibility vests, work kneepads, tool vests, and replace tool belts. Also, safety boots, ear plugs or earmuffs, face masks, respirators, lead aprons, and over-the-shoulder tool belts.
No documents required to buy the Accidental Hospitalisation and Personal Protective Equipment Cover. You only need to provide the following details at the time of buying the policy:
1. Name
2. Address
3. Email address
4. Phone number
