What is Accidental Death Benefit with 15 Critical Illness
Critical illnesses and accidents can drastically influence the financial health of any individual and their family, especially when the affected individual is the sole breadwinner. If accidents happen at a time when the patient is already suffering from a critical illness, the financial burden gets too heavy.
Safeguard your loved ones from financial burden that may occur due to unexpected accidents with the Accidental Death Benefit with 15 Critical Illness on Bajaj Markets at Rs. 1604/year.
How to Apply for the Accidental Death Benefit with 15 Critical Illness?
The process of application for this plan is hassle-free.
That’s it! You will receive the insurance details on your registered email ID.
Eligibility Criteria
Individuals between the age of 18 and 65 can get Accidental Death Benefit with 15 Critical Illness
What's Covered under Accidental Death Benefit with 15 Critical Illness
Accidental Death Coverage –
In the event, a policyholder has an accident and dies then their beneficiary is entitled to the sum assured outlined in the policy schedule which is payable within 365 days following the death of the policyholder.
15 Critical Illnesses Covered -
Cancer of specific severity
Myocardial infarction
Open chest CABG
Open heart replacement
Coma of specified severity
Kidney failure requiring regular dialysis
Stroke resulting in permanent symptoms
Major organ or bone marrow transplant
Permanent paralysis of limbs
Motor neuron disease with permanent symptoms
Multiple sclerosis with persisting symptoms
Primary pulmonary hypertension
Aorta graft surgery
Deafness (loss of hearing)
Blindness (loss of sight)
Accidental Permanent Partial Disablement Benefit (or PPD) -
In the event that those insured under this policy run into an accident that leaves them with a PPD, they are entitled to be paid a percentage of the sum insured based on what exactly they lost. In order to have a deeper understanding of the same, please refer to the policy wordings as well as the table mentioned below.
Accidental Permanent Total Disablement Benefit (or PTD) -
In the event that those insured under this policy run into an accident that leaves them with a PTD, they are entitled to be paid a percentage of the sum insured based on what exactly they lost. In order to have a deeper understanding of the same, please refer to the policy wordings as well as the table mentioned below.
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 middle/little/ring finger and one phalanx |
2% |
xviii. Loss of middle/ring/little finger-two phalanges |
4% |
Nature of permanent total disablement |
Irrecoverable, total loss of sight in both the eyes |
Total and permanent loss or physical separation of use of both feet and both hand |
Total and permanent loss or physical separation of use of one foot and one hand |
Loss of a limb and Irrecoverable loss and total of sight in one eye |
Loss of sight in one eye /Loss of one limb/ Irrecoverable and total loss of hearing in both the ears |
Loss of speech and Irrecoverable, total loss of hearing in both the ears |
Loss of sight in one eye/ Loss of one limb, irrecoverable and total loss of speech |
Total, permanent, and absolute disablement |
Plan Details & Specifications
Sum insured |
Age band |
Premium including GST |
Rs. 5 Lakhs |
18-35 |
Rs. 1,604 |
36-55 |
Rs. 5,189 |
|
56+ |
Rs. 27,054 |
What’s not Covered under Accidental Death Benefit with 15 Critical Illness
Coverage is not included for pre-existing diseases.
Policyholders, as well as those interested in availing of the same, are requested to please read the policy wordings in order to have a clearer understanding of the same.
How to Make a Claim
You may submit a claim by getting in touch with the insurer using one of the modes listed below:
Email - servicesupport@manipalcigna.com
Toll-free number - 1800-102-4462
Customer Care Details
You can connect with us at Bajaj MARKETS. Write to us at:
insuranceconnect@bajajfinservmarkets.in
Frequently Asked Questions About Accidental Death Benefit with 15 Critical Illness
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✔️Are pre-existing diseases covered under the Accidental Death Benefit with 15 Critical Illness health insurance?
Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.
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✔️How long is Accidental Death Benefit with 15 Critical Illness valid for?
The time frame this policy is valid for is a single year.
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✔️Are there any age limits in place pertaining to who can apply forAccidental Death Benefit with 15 Critical Illness plan?
Yes, there is an age limit allowing only those aged between 18 and 65 years of age to apply for this plan.
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✔️Where can I reach out if I have any queries pertaining to coverage, exclusions, and claims?
Those with queries pertaining to coverage, exclusions, and claims are encouraged to write to wecareinsurance@bizsupportc.com.
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✔️ Is coverage provided for accidents arising from participation in adventure sports?
No, coverage is not provided for accidents arising from participation in adventure sports.
