ManipalCigna Health Insurance - Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement
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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Coverage up to Rs. 3 lakh, premium starts at Rs. 214
Choose from the three premium slabs: coverage of Rs. 3 lakh at Rs. 594, Rs. 2 lakh at Rs. 404 and Rs. 1 lakh at Rs. 214.
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Coverage for four major accidents
Accidents from adventure sports, recreational sports, act of God.
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Permanent total or partial disability cover
Get coverage against permanent total or permanent partial disability suffered within 365 days from the accident date.
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No documents required to buy the policy
When buying the 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 Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement cover. If you meet all the eligibility criteria, you 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 the Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement cover:
- Premium of Rs. 214
- Premium of Rs. 404
- Premium of Rs. 594
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 lakh |
| Premium including GST (in Rs.) | 214 |
| Policy tenure | One year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 404 |
| Policy tenure | One year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 3 lakh |
| Premium including GST (in Rs.) | 594 |
| Policy tenure | One year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under the Accidental Permanent Total Disablement or Accidental Permanent Partial Disablement cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Four major accidents | Covers accidents due to adventure sports, recreational sports, and act of God. |
| Permanent total disability | Covers permanent total disability within 365 days from the accident date. |
| Permanent partial disability | Covers permanent partial disability within 365 days from the accident date. |
| Key exclusions | Description |
|---|---|
| Pre-existing diseases | Any pre-existing diseases until the applicable waiting period gets over. |
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 Permanent Total Disablement or Accidental Permanent Partial Disablement cover:
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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 Permanent Partial Disablement or Accidental Permanent Total Disablement cover, you need to present the following documents:
1. Policy document received at the time of purchase
2. Discharge summary
3. Complete billing in case of reimbursement
In case of cashless claim, the network hospital will directly share the billing details with the insurance company. The insurer will then settle the bills before the insured gets discharged. -
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
The plan covers permanent total disablement and permanent partial disablement occurred due to an accident. The plan offers coverage as per the percentage of the disability mentioned in the policy.
The plan covers four major accidents occurred due to the following reasons.
1. Adventure sports
2. Recreational sports
3. Act of God
Send an email to the insurer at servicesupport@manipalcigna.com or call on the toll-free number 1800-102-4462.
Any existing Bajaj Finance customer can buy the plan. Any Indian individual between the age group of 18 years and 65 years can buy the plan.
This policy has a tenure of 1 year.
