ManipalCigna Health Insurance - Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit
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
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 and up to Rs. 10,000 for accidental hospitalisation.
PPE damage cover
If the insured person suffers an injury due to an accident covered under the policy that solely and directly results in damage of the insured’s PPE.
Hospitalisation expenses coverage
This plan covers medical expenses incurred for treatment due to accidents, including pre-hospitalisation and post-hospitalisation.
Coverage for diagnostic tests and medication
Cost of diagnostic tests and medication taken during the hospitalisation period are covered.
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 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.
You only need to 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 Accidental Hospitalisation and Personal Protective Equipment cover:
|Sum insured for accidental hospitalisation (in Rs.)||10,000|
|Premium including GST (in Rs.)||159|
|PPE damage benefit (in Rs.)||5,000|
|Policy tenure||1 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
|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|
|Any pre-existing disease||No pre-existing medical illness is covered|
|Adventure sports accidents||Accidental hospitalisation caused due to adventure sports|
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 reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accidental Hospitalisation and Personal Protective Equipment policy 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 Accidental Hospitalisation Benefit and Personal Protective Equipment (PPE) Benefit cover, 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, the documents required are:
1. Policy document
2. Cashless card issued by the insurer, if any
The billing details are directly shared with the insurance company by the network hospital and settled before discharge
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
The ManipalCigna Accidental Hospitalisation and Personal Protective Equipment policy covers damages to your PPE as a direct and sole result of an accident covered under the policy. It also covers accidental hospitalisation expenses, including doctor’s fees, diagnostic test charges, and medication and treatment charges borne during the hospitalisation.
The premium and coverage details of the policy are:
Annual premium of Rs. 159 for a sum insured of up to Rs. 10,000 for accidental hospitalisation and up to Rs. 5,000 for PPE damage coverage.
To claim the benefits of the ManipalCigna Accidental Hospitalisation and Personal Protective Equipment policy, the insured person must be an existing Bajaj Finance customer, an Indian national, and must be aged between 18 to 65 years.
PPE implies any equipment that lessens the risk to an individual’s health and safety. These equipment include safety goggles, high visibility vests, work kneepads, tool vests to replace tool belts, safety boots, ear plugs or earmuffs, face masks, respirators, lead aprons and over-the-shoulder tool belts, safety boots, ear plugs or earmuffs, face masks, respirators, lead aprons and over the shoulder tool belts.
No documents are 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:
3. Email address
4. Phone number
Expiry date means the date on which this policy expires as specified in the Policy Schedule.
Eligibility means the provisions of the policy that state the requirements to be complied with.
A period of 12 consecutive months within the policy period commencing from the inception date or any subsequent policy anniversary.
Premium shall have to be paid in Indian Rupees and made in favour of the insurer.