What is Accident Permanent Partial Disablement Cash Cover
An accident can sometimes lead to partial disabilities. The treatment costs of such injuries and disablements can be expensive.
With Accident Permanent Partial Disablement Cash Cover plan, the individual who is insured is entitled to coverage amounting to up to Rs.5 Lakhs in the unfortunate event of an accidental permanent partial disability.
Safeguard yourself against unexpected financial constraints with Accident Permanent Partial Disablement Cash Cover offered by Manipal Cigna Health Insurance on Bajaj Markets at just Rs. 69/year. Scroll below to find more.
How to Apply for the Accident Permanent Partial Disablement Cash Cover
The process of application for this plan is simple.
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Click on “Buy Now”
On the product page, tap "Buy Now."
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Fill in the Details
Enter the necessary information in the online application form.
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Make the payment
Complete the payment through UPI, credit/debit card or any other online payment method.
It’s done! You will receive the insurance details on your registered email ID.
Eligibility Criteria
All Indian citizens between the age of 18 and 65 are eligible for this plan.
What's Covered under Accident Permanent Partial Disablement Cash Cover
The inclusions of the insurance policy are mentioned below:
Accidental Permanent Partial Disablement Benefit
A coverage of up to Rs.10,000/month will be provided for up to 90 days if an illness or injury due to an accident leads to partial disablement and surgery is required. The accident or illness must happen during the policy period.
Those insured under this insurance plan in the event of an accident that leaves them with a permanent total disablement are entitled to be given a percentage of the sum insured that depends on the severity of the disablement.
Kindly refer to the policy wordings to know more.
Nature of permanent partial disablement |
Percentage of the sum insured payable unless specified otherwise |
i. Loss of one foot or one hand |
50% |
ii. Irrecoverable and total loss of sight in one eye |
50% |
iii. Loss of toe in any one foot |
5% |
iv. Loss of all toes in any one foot |
10% |
v. Irrecoverable and total loss of hearing in both the ears |
2% |
vi. Loss of toes, if more than one toe lost |
2% |
vii. Irrecoverable and total loss of speech |
50% |
viii. Irrecoverable and total loss of hearing in any one of the ears |
15% |
ix. Loss of any four fingers |
35% |
x. Loss of thumb of one hand and four fingers |
40% |
xi. Loss of thumb and one phalanx |
10% |
xii. Loss of thumb and both phalanges |
25% |
xiii. Loss of index finger and two phalanges |
8% |
xiv. Loss of index finger and three phalanges |
10% |
xv. Loss of middle/little/ring finger and three phalanges |
6% |
xvi. Loss of index finger and one phalanx |
4% |
xvii. Loss of little/ middle/ring finger and one phalanx |
2% |
xviii. Loss of middle/ring/little finger-two phalanges |
4% |
Plan Details & Specifications
Coverage |
Premium (including GST) |
Up to Rs. 2 Lakhs |
Rs.69 |
Up to Rs. 4 Lakhs |
Rs.114 |
Up to Rs. 5 Lakhs |
Rs.139 |
What’s Not Covered under Accident Permanent Partial Disablement Cash Cover
More than one injury in a year
Pre-existing ailments
Injuries due to adventure sports are not covered under this plan.
How to Make a Claim
You may submit a claim by getting in touch with the insurer using one of the methods listed below:
Phone call: 1800-102-4462
Through e-mail: servicesupport@manipalcigna.com
Customer Care Details
You can connect with us at Bajaj Markets. Write to us at:
Frequently Asked Questions About Accident Permanent Partial Disablement Cash Cover
What is the premium for Accident Permanent Partial Disablement Cash Cover?
The premium for this insurance policy starts from Rs. 69, inclusive of taxes.
What is the validity of Accident Permanent Partial Disablement Cash Cover?
This insurance policy is valid for a period of 1 year.
What is included in the Accident Permanent Partial Disablement Cash Cover plan?
Accident permanent partial disablement cash cover are covered under this plan.
What is not included in the Accident Permanent Partial Disablement Cash Cover plan?
More than one injury in a year, pre-existing ailments and injuries due to adventure sports are not covered under this plan.
What is the coverage amount for Accident Permanent Partial Disablement Cash Cover?
The coverage amount goes up to Rs.5 Lakhs depending on the premium paid for this plan.
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