What is Accidental Death Benefit with 6 critical illness
Accidental deaths are increasing at a high pace nowadays. Even the simplest of things, such as smog and a speeding vehicle, might end someone with a critical illness. Although some things are not under our control, it becomes extremely crucial to have a backup. Something to fall on to if you ever end up in such situations.
The Accidental Death Benefit with 6 critical illnesses by Manipal Signa covers some of the major illnesses. Illness such as cancer, heart attack and kidney failure. The premium for the insurance differs depending on the age; read on for more information.
How to Apply for Accidental Death Benefit with 6 critical illnesses?
Documents required to claim Accidental Death Benefit with 6 critical illness:
The documents required to claim the Accidental death benefit plan:
Age proof (PAN Card, driving license, Aadhar card)
Address proof (electricity bill, telephone bill)
Income proof (salary slip)
Passport size photograph
Duly filled application form
What’s Covered under Accidental Death Benefit with 6 critical illness?
Accidental death coverage – In cases of accidental death, you get the entire amount reimbursed in your account.
Permanent Disability – Permanent disabilities are covered under the Accidental Death Benefit plan.
Temporary Disability – Any kind of temporary disability will be covered under this plan.
6 Critical illnesses covered under the plan – The critical illnesses covered under the plan are mentioned below:
Cancer of specific severity
Open Chest CABG
Myocardial Infarction (First Heart Attack – of specific severity)
Coma of specified Severity
Open Heart Repair or Replacement of Heart Valves
Kidney Failure which requires regular Dialysis
Nature of Permanent Partial Disablement |
Percentage of the Sum Insured payable unless specified otherwise |
I. Loss of sight in one eye, irrecoverable in nature |
50% |
ii. Limb loss (any one limb) |
50% |
iii. Foot, toes and fingers loss |
10% |
iv. Toe loss in any one foot |
5% |
v. Toe loss in any of the feet |
2% |
vi. Hearing loss in any ear, irrecoverable in nature |
50% |
vii. Hearing loss in one ear, irrecoverable in nature |
15% |
viii. Complete speech loss, irrecoverable in nature |
50% |
ix. Fingers or thumb loss in hand |
40% |
x. Finger loss (up to four fingers) |
35% |
xi. Thumb loss - both phalanges |
25% |
xii. Thumb loss - one phalanx |
10% |
xiii. Index finger loss - three phalanges |
10% |
xiv. Index finger loss - two phalanges |
8% |
xv. Index finger loss - one phalanx |
4% |
xvi. Middle/ring/little finger loss -three phalanges |
6% |
xvii. Middle/ring/little finger loss -two phalanges |
4% |
xviii. Middle/ring/little finger loss - one phalanx |
2% |
Nature of Permanent Total Disablement |
Eyesight loss on both sides permanently |
Total loss of both hands or feet or physical separation |
Loss of one limb, permanent in nature |
Loss of one eye, irrecoverable in nature |
Hearing loss in one or both ears |
Speech loss |
Any other permanent loss (which is not mentioned above) that leads to loss of employment. |
Waiting period:
For critical illness cover, the initial waiting period is 90 days, whereas the survival period waiting period is 30 days.
Accidental Death Benefit with 6 critical illness Details and Specifications:
Sum Insured up to |
Age Band |
Premium Including GST |
Rs. 5 lakhs |
18-35 |
Rs. 1,494 |
36-55 |
Rs. 4,784 |
|
56+ |
Rs. 24,744 |
Eligibility: The eligibility of this plan is within the age group of 18-65 years. The calculation is based on your last birthday.
Validity: The plan is valid for 1 year
What’s not covered under Accidental Death Benefit with 6 critical illness?
*Any pre-existing diseases will not be covered under the Accidental Death Benefit.
How to claim Accidental Death Benefit with 6 critical illness?
You can claim the Identity Assure plan using the following methods:
Send an email to servicesupport@manipalcigna.com
Call on the toll-free number 1800-102-4462
Accidental Death Benefit with 6 critical illness Customer Care Details:
You can connect with us at Bajaj Markets. Just write to us at insuranceconnect@bajajfinservmarkets.in
FAQs on Accidental Death Cover with 6 Critical illness
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✔️What is the premium for Accidental Death Benefit with 6 critical illness plan?
The premium for the Accidental Death Benefit with 6 critical illness ranges according to age. The bifurcation of premium according to age is mentioned below:
Sum Insured up to
Age Band
Premium Including GST
Rs. 5 lakhs
18-35
Rs. 1,494
36-55
Rs. 4,784
56+
Rs. 24,744
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✔️What all is covered under Accidental Death Benefit with 6 critical illness?
Below mentioned are the things covered under Accidental Death Benefit:
Accidental death coverage – In cases of accidental death, you get the entire amount reimbursed in your account.
Permanent Disability – Permanent disabilities are covered under the Accidental Death Benefit plan.
Temporary Disability – Any kind of temporary disability will be covered under this plan.
6 Critical illnesses covered under the plan – The critical illnesses covered under the plan are mentioned below:
Cancer of specific severity
Myocardial Infarction (First Heart Attack – of specific severity)
Open Chest CABG
Open Heart Replacement or Repair of Heart Valves
Coma of specified Severity
Kidney Failure requiring regular Dialysis
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✔️How to claim Identity Accidental Death Benefit with 6 critical illness?
You can claim the Accidental Death Benefit by using the methods mentioned below:
Send an email to servicesupport@manipalcigna.com
Call on the toll-free number 1800-102-4462
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✔️What is the customer care details for Accidental Death Benefit with 6 critical illness?
You can reach out to the Bajaj MARKETS customer care at insuranceconnect@bajajfinservmarkets.in
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✔️What is the maximum claim amount for Accidental Death Benefit with 6 critical illness?
The maximum claim amount for this pocket insurance is ₹3,00,000
