Indian celebrations are incomplete without firecrackers, be it during festivals or weddings, we love to have fireworks. Playing with firecrackers brings along risks of injury and burns too. Having a firecracker insurance helps deal with the financial implications of such adversaries and is a must have for those who like bursting firecrackers.


  • Permanent Partial Disability
  • Treatment Expenses
  • Loss of Income

If the insured becomes disabled due to a firecracker injury, a compensation of up to Rs. 1000 per week will be provided to him under firecracker insurance. 

The insured gets a Sum Insured of Rs. 5 Lakh in case of Death or Permanent Total Disability due to an accident and an additional Child Education benefit amount of Rs. 10 Lakh.

For the purpose of illustration, the Adventure Sports Benefit is extended for the below listed sports, please note that this is an indicative list only:

• Sky Sports

Bungee Jumping, Bridge Swinging, Zip Lining, Zip Trekking

• Mountain Sports

Rock Climbing, Rock Scrambling, Rappelling, Via Ferrata, Fell Running, Fell Walking, Gorge Walking, Indoor Rock Climbing, Mountain Biking, Mountaineering

• Water Sports

Body Boarding, Scuba Diving, Shark Diving, Swimming with Dolphins, Diving with Whales, Wakeboarding, Surfing

• Racing Sports:

Auto (car) racing, Motor rallying, Motorcycle racing, Air racing, Kart racing, Boat racing, Hovercraft racing, Lawn mower racing, Snowmobile racing, Truck racing

Specific Exclusion Applicable to Adventure Sports Benefit

No benefit shall be payable under this optional cover in the event of accidental bodily injury sustained whilst engaged in adventure sports activity resulting in Permanent Partial Disability or Temporary Total Disability.


  • Individuals below 18 years & above 70 years
  • Medical expenses other that those arising due to injuries caused by firecrackers
  • Any hospitalization for an existing disability from a previous accident
  • Any stay in hospital for an injury due to accident without undertaking any treatment 

Claim Process for Sachet Insurance

Filing claims was never so easy. Just follow these steps and your're done.

  • 1

    Register your claim online

  • 2

    Upload documents online

  • 3

    Claim Assessment

  • 4

    Claim Decision

  • Process
  • Download
  • Emergency Contact
  • Claim Reimbursement
  • Cancellation Process

If you meet with any Accidental Bodily Injury that may result in a claim, then as a condition precedent to our liability:

a. You or someone claiming on your behalf must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation.

b. You must immediately consult a Doctor and follow the advice and treatment that he recommends.

c. You must take reasonable steps to lessen the consequence of Bodily injury.

d. You should allow examination by our medical advisors if we ask for this.

e. You or someone claiming on your behalf must promptly give us documentation and other information we ask for to investigate the claim or our obligation to make payment for it.

f. In case of your death, someone claiming on your behalf must inform us in writing immediately and send us a copy of the post mortem report (if conducted) within 30 days.

*Note: Waiver of conditions (a) and (f) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured Person was placed, it was not possible for the Insured Person or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.

  • We may cancel this insurance by giving You at least 15 days written the notice, and if no claim has been made then we shall refund a pro-rata premium for the unexpired Policy Period. Under normal circumstances, Policy will not be canceled except for reasons of misrepresentation, fraud, non-disclosure of material facts or Your non-cooperation.
  •  You may cancel this insurance by giving us at least 15 days written the notice, and if no claim has been made then we shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.

Period in Risk

Premium Refund

Policy Period 1 Year

Policy Period 2 Year

Policy Period 3 Year

Within 15 Days

Pro-Rate Refund

Exceeding 15 days but less than 2 months




Exceeding 2 months but less than 4 months




Exceeding 4 months but less than 6 months




Exceeding 6 months but less than 8 months




Exceeding 8 months but less than 10 months




Exceeding 10 months but less than 12 months




Exceeding 12 months but less than 14 months




Exceeding 14 months but less than 16 months




Exceeding 16 months but less than 18 months




Exceeding 18 months but less than 20 months




Exceeding 20 months but less than 22 months




Exceeding 22 months but less than 24 months




Exceeding 24 months but less than 26 months




Exceeding 26 months but less than 28 months




Exceeding 28 months but less than 30 months




Exceeding 30 months but less than 32 months




Exceeding 32 months but less than 34 months




Exceeding 34 months but less than 36 months




However, if any claim has been made then no refund will be given for cancellation of policy.

  • Claim Reimbursement
  • Other Health Insurance Related Claims
  • Links for Claim Settlement Forms
  • List of Network Hospitals

Link to redirect customers to links category.

  • Self Declaration of KYC Document Submission - For Individual Partner
  • Non-Medical Expenses List of Exclusions
  • Personal Accident Claim Form
  • Cashless Claims Request Form
  • Reimbursement Form
  • Self Declaration of KYC Document Submission - For Individual Partner
  • Personal Accident Claim Form
  • Non-Medical Expenses List of Exclusions
  • List of Network Hospitals

Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.

Manage all your queries here

  • ✔️What is s firecracker cover?

    Firecracker cover is an insurance that acts as a financial cover for expenses incurred due to burns & injuries resulting out of firecrackers. This insurance from Bajaj offers you peace of mind, so you can enjoy and celebrate with firecrackers, without worrying about injuries/burns.
  • ✔️What are benefits offered under a firecracker insurance?

    This insurance provides a sum insured of up to Rs. 1 Lakh in case the policyholder suffers from Permanent Partial Disability, arising out of a firecracker injury. Accidental hospitalization expenses, up to Rs. 2 Lakh and road ambulance costs of up to Rs. 25,000, are covered too. Also, a compensation of up to Rs. 1000/week will be provided too as part of the income loss cover.
  • ✔️Is there any age limit involved if one wants to buy this insurance?

    Yes, there is an age limit involved. Only individuals between the age of 18 to 70 years can buy firecracker insurance cover.
  • ✔️What do you mean by benefit of Loss of income?

    If due to any firecracker injury, the insured is not able to perform his duties pertaining to his employment or occupation, then a weekly benefit of Rs. 1000 is paid to the insured, under this insurance.

Firecracker Cover Reviews

Firecracker Cover Reviews

3.8out of 5

3 reviews

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