ManipalCigna Health Insurance - Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement
Key features
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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Four major accidents covered
Accidents arise from adventure sports, recreational sports, animal attacks, 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 are required to buy the policy
When buying the Accidental Permanent Partial Disablement or Accidental Permanent Total Disablement 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 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 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
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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 details on the form will be pre-filled. 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 via one of the following options: UPI, net banking, credit/debit cards and wallet.
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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 purchase of the policy.
Policy details
Here’s a quick look at the policy details of 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 | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 404 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 3 lakh |
| Premium including GST (in Rs.) | 594 |
| Policy tenure | 1 year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under Accidental Permanent Total Disablement or Accidental Permanent Partial Disablement cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Four major accidents | Accidents due to adventure sports, animal attack, recreational sports, Act of God are covered |
| 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 is 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 reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of 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
For cashless treatment point, policy documents, 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 wecare@bajajfinserv.in
Frequently asked questions
The plan gives financial coverage against permanent total disablement and permanent partial disablement occurred due to an accident. The sum insured will be given up to the specific percentage against the type of accident occurred.
There are four types of major accidents covered in the plan such as adventure sports, recreational sports, animal attack and Act of God.
Policyholders can raise a claim by writing to the insurer at servicesupport@manipalcigna.com or by calling on the toll-free number 1800-102-4462.
The plan is specifically designed for Bajaj Finance customers. Therefore, if you are an existing customer and an Indian national, then you can apply for the plan. The applicant must be in the age group of 18-65 years.
This policy has a tenure of 1 year.
