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What is Accidental Death Benefit (Professional & Semi-Professional Sports)?

Competing in sports activities requires strength, stamina, and perseverance. However, if you are a professional sportsperson, you may also endanger your health by excessive training, wrong posture, or using improper technique. In rare cases, some serious sports injuries can result in complications and even lead to death. An accidental death benefit insurance plan, such as the one offered by Manipal Cigna Health Insurance can help protect the families of the deceased. The FlexiCare Group Accidental Death Benefit plan offers a maximum sum insured of  ₹3 lakh. The plan has been built specifically to suit the needs of professional and semi-professional sportsmen and their families. Let’s take a look at the details and features of this plan. 

Key Features and Benefits of the Accidental Death Benefit Insurance 

Here are the main benefits offered by the Accidental Death Benefit Insurance plan:

Extensive Coverage

The plan offers maximum coverage of ₹3 lakh in case of accidental death of the insured.


The premiums for the accidental death benefit start at a price of ₹69 for the lowest tier option.

Year-Long Coverage

Once the plan is activated, it provides accidental death benefit coverage for a full year.

Specifically Designed for Sportsmen

The plan has been specifically designed for professional and semi-professional sportsmen whose primary source of income is sports.


In order to have an understanding of all exclusions and list of non-payable expenses, please peruse the policy wordings.

How to Apply for Accidental Death Benefit (Professional and Semi-Professional Sports)?

You can buy this cost-effective plan in a matter of minutes on Bajaj Markets. Just follow the steps given below:

  • Click on Buy Now.

    Head to the product page and tap on ‘Buy Now’ option.

  • Enter your Details

    Enter all the required information in the form available on the page.

  • Pay the Online Premiums

    For the final step, pay the online premiums for the chosen insurance plan to finish the process.


Once you have completed all the steps, your accidental death benefit insurance plan will be activated. 

Eligibility Criteria 

Here are the basic eligibility criteria for applying for this plan:


  • The individual must be above 18 years. 

  • The individual must primarily earn their income through sports. 

What’s Covered Under Accidental Death Benefit Insurance?

  • Accidental Death

    If the insured sustains an accidental injury and dies within 365 days as a direct result of the injury, the family of the insured will receive the sum insured as the death benefit.

Accidental Death Benefit Policy Details 

You can take a look at the specifications of the accidental death benefit (professional and semi-professional) plan in the table given below: 

Sum Insured 


Policy Duration 


₹1 lakh 


1 year 

View Plan 

₹2 lakh 


1 year 

View Plan 

₹3 lakh 


1 year

View Plan 

What’s Not Covered Under the Accidental Death Benefit Policy? 

The following are the items that are not covered under the accidental death benefit policy: 

  • Pre-Existing Conditions

No coverage for any pre-existing conditions will be provided under the policy. 

  • Claim After Payment of the Sum Insured

Accidental death cover will terminate automatically once the sum insured is paid out to the family of the insured after the latter’s demise. You cannot claim any other amount once this is complete.

How to Make a Claim for Accidental Death Benefit Insurance? 

To claim your accidental death benefit insurance, you can contact the insurer in the following way:


  • You can either email them at or use their toll-free number at 1800-270-7000.

  • Once you receive the claim form, fill it up accurately and attach the required documents such as medical bills, and doctor’s reports before submitting the form.

Customer Care Details

You can connect with us at Bajaj Markets for any queries. Just write to us at:

Accidental Death Benefit FAQs

Is the plan applicable for amateur sports professionals as well?

No, if your primary or secondary income does not come from a sports activity, you are not eligible

What are the various Accidental Death benefit plan options available to me?

You can choose from a sum insured of ₹1 lakh, ₹2 lakh or ₹3 lakh as a cover.

How much premium do I need to pay for the accidental hospitalisation for adventure sports plan?

You need to pay ₹69, ₹124 and ₹174 for plans offering a sum insured of ₹1 lakh, ₹2 lakh and ₹3 lakh respectively.

My son has just qualified for the under 18 cricket team at the State level. Can I buy the plan for him?

No, insurance against accidental death for sportspersons is only available to those above 18 years of age. 

Does the accidental death insurance policy offer lifetime cover?

No, coverage is only offered for a year from the date of purchase.

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