Manipal Cigna Health Insurance Co. Ltd.

Manipal Cigna Health Insurance - Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection

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. 50,000, premium starting at Rs. 119

    Coverage up to Rs. 50,000, premium starting at Rs. 119

    Choose from the five premium variants to get a sum insured as per your requirement to cover your EMI for one month.

  • One EMI covered

    One EMI covered

    In case if the insured is unable to go to work for a minimum of one month due to any illness resulting to disability, this policy will help pay for the EMI of one month.

  • Disability conditions covered

    Disability conditions covered

    The policy covers conditions - permanent total disability, permanent partial disability or coma arising from any illness or injury.

  • End-to-end online process

    End-to-end online process

    You can buy the policy hassle-free online through our 100% digital and paperless process.

  • No documents are required to buy the policy

    No documents are required to buy the policy

    When buying Mediclaim – Health + Accident (Comprehensive) – One EMI Protection cover, 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 the Mediclaim – Health+Accident (Comprehensive) – One EMI Protection cover. 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 are 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 details on the form will be pre-filled. 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 via one of the following options: UPI, net banking, credit/debit cards and wallet.

  • Step 6

    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 purchasing the policy.

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Policy details

Here's a quick look at the policy details of the Mediclaim – Health+Accident (Comprehensive) – One EMI Protection cover:

  • Premium of Rs. 119
  • Premium of Rs. 219
  • Premium of Rs. 419
  • Premium of Rs. 519
Policy details Description
Sum insured (in Rs.) 5,000
Premium including GST (in Rs.) 119
Policy tenure 1 year

Policy details

Description

Sum insured (in Rs.)

50,000

Premium including GST (Rs.)

1,024

Policy tenure

1 year

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Policy details Description
Sum insured (in Rs.) 10,000
Premium including GST (in Rs.) 219
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 20,000
Premium including GST (in Rs.) 419
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 25,000
Premium including GST (in Rs.) 519
Policy tenure 1 year

Key inclusions and exclusions

Here's a quick look at the key inclusions and exclusions under the Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Earnings protection Covers against disability, hospitalisation, and coma which results in inability to engage in an occupation for one month
Cash benefit Covers cash benefit commensurate with EMI contribution of the existing insurance linked loan account
Key exclusions Description
Any pre-existing disease No pre-existing medical illness is covered
Adventure sports accident Any accident due to adventure sports is not covered

How to claim

You can reach out to the insurer (Manipal Cigna Health Insurance) to claim the benefits of the Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover by email or phone:

  • 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 Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection 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
    4. For cashless, policy document, cashless card issued by the insurer, if any.
    In case of cashless claim, the billing details are directly shared with the insurance company by the network hospitals and settled before discharge

  • 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

How is Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover beneficial?

Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover offered by Manipal Cigna Health Insurance through Bajaj Finance gives you a financial support to pay-off the EMI for one month if the insured suffers any disability arising from illness or injury.

What are the eligibility criteria to buy the Mediclaim – Health + Accident (Comprehensive) – One EMI Protection cover?

The policy is specially designed for Bajaj Finance customers. Therefore, any existing customer who is between 18 and 65 years of age and an Indian national can buy the policy.

What is the claim process for Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover?

You can reach out to the insurer by writing to them at servicesupport@manipalcigna.com or calling on the toll-free number 1800-102-4462.

What is covered under Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover?

Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover provides cover against the loss of earning up to the sum insured on an EMI basis with a cash benefit that is commensurate with the insured person’s EMI contribution to the existing insurance linked loan account.

What is the policy tenure of Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover?

The Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover 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 ManipalCigna Health Limited. 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 Mediclaim – Health + Accident (Comprehensive) – One EMI Protection, 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.