ManipalCigna Health Insurance - Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement

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 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.

  • Coverage for four major accidents

    Accidents from adventure sports, recreational sports, animal attacks, act of God.

  • Permanent total or partial disability cover

    Get coverage against permanent total or permanent partial disability suffered within 365 days from the accident date.

  • 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

  • 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 pre-filled details will appear on the form. 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 through UPI, net banking, credit/debit cards, or wallet.

  • 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 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, animal attack, 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.

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:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at servicesupport@manipalcigna.com.

  • 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 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.

    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

What does Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement cover?

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.

Which types of accidents do the plan cover?

The plan covers four major accidents occurred due to the following reasons.
1. Adventure sports
2. Recreational sports
3. Animal attack
4. Act of God

What is the claim process for ManipalCigna’s accidental disability cover?

Send an email to the insurer at servicesupport@manipalcigna.com or call on the toll-free number 1800-102-4462.

What is the eligibility criteria to apply for this policy?

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.

What is the tenure of this insurance policy?

This policy has a tenure of 1 year.

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Disclaimer

*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 Manipal Cigna 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 with ManipalCigna 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.