ManipalCigna Health Insurance - Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection
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. 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.
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One EMI covered
Covers one month’s EMI if the insured cannot go to work for one month due to any disability from illness.
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Disability conditions covered
The policy covers permanent total disability, permanent partial disability, or coma arising from any illness or injury.
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End-to-end online process
You can buy the policy hassle-free online through our 100% digital and paperless process.
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No documents 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 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 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 (Rs.) | 119 |
| Policy tenure | One year |
Policy details |
Description |
Sum insured (in Rs.) |
50,000 |
Premium including GST (Rs.) |
1,024 |
Policy tenure |
One year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 10,000 |
| Premium including GST (Rs.) | 219 |
| Policy tenure | One year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 20,000 |
| Premium including GST (Rs.) | 419 |
| Policy tenure | One year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 25,000 |
| Premium including GST (Rs.) | 519 |
| Policy tenure | One 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 |
| Adventure sports accident | Any accident due to adventure sports |
| Waiting period | Initial waiting period - 30 days Specific disease waiting period- 24 months |
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
Contact the insurer (ManipalCigna Health Insurance) to claim the benefits of the Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover 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 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 network hospital will directly share the billing details with the insurance company. The insurer will then settle the bills before the insured gets discharged.
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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
Mediclaim - Health+Accident (Comprehensive) - One EMI Protection by ManipalCigna Health Insurance covers one EMI. The policy covers any disability arising from illness or injury. You can avail the coverage to pay your EMI if you cannot go to work due the disability for one month.
Any existing Bajaj Finance customer can buy the policy. Any Indian person between 18 years and 65 years of age can buy the policy.
You can contact the insurer by writing to them at servicesupport@manipalcigna.com or calling on the toll-free number 1800-102-4462.
Mediclaim - Health+Accident (Comprehensive) - One EMI Protection covers loss of earning up to the sum insured. You get a pay-off to clear one month’s EMI if you could not go to work for any month. The policy offers coverage if the insured suffer any disability or hospitalised or in coma due to illness.
The Mediclaim- Health+ Accident (Comprehensive) - One EMI Protection cover has tenure of 1 year.
