Buy The Accidental Death Benefit with 30 Critical illness

What is Accidental Death Cover with 30 Critical Illnesses?

Getting diagnosed with a critical illness or meeting with an accident is not something one can predict. The financial expenses required to deal with such unfortunate events can be mentally taxing by burning a hole in your pockets. With skyrocketing medical expenses, it is very important to get yourself covered to save yourself from such dreadful and sudden financial expenses. 

 

Bajaj Markets brings to you FlexiCare Group Insurance Policy – Accidental Death Cover with 30 Critical Illnesses from ManipalCigna Health Insurance. This insurance policy provides coverage against 30 critical illnesses, accidental deaths, and disability at just Rs. 1,704/year, covering up to Rs. 5 Lakhs. The premium varies with age. Read on to know more.

 

Key Features of Accidental Death Cover with 30 Critical Illnesses

Here’s what makes this accidental death benefit with 30 critical illness health plan a must-have:

Death by accident

The policyholders will receive the sum insured only if they suffer an injury caused directly and solely due to an accident, thereby resulting in their death.

Coverage against Permanent Partial Disablement

If the policyholder suffers an accidental injury leading to permanent partial disablement, then the sum insured will be payable.

How to Apply for the Accidental Death Cover with 30 Critical Illnesses?

The application process for this accidental death benefit with 30 critical illness is super easy. Follow these steps and become a member –

  • Click on Buy Now

    Tap on ‘Buy Now’ on this page

  • Fill in the Details

    Fill in your personal details in the online application form

  • Make the Payment

    Complete the quick online payment via debit/credit card, UPI, and other online payment modes available.

 

Voila! Your membership details and welcome package are delivered in your registered email ID

Eligibility Criteria 

To opt for the accidental death benefit with 30 critical illness health insurance, you need to meet these basic eligibility parameters –

  • You must be a Resident of India

  • Applicant’s age must be between 18 and 65 years

What's Covered under Accidental Death Cover with 30 Critical Illnesses?

Here are some of the inclusions under the accidental death benefit with 30 critical illness insurance –

         1.  Coverage against Permanent Total Disablement

If the policyholder suffers an accidental injury leading to permanent total disablement, then the sum insured will be payable.

          2. Coverage against 30 Critical Illnesses 

  • Open chest coronary artery bypass graft

  • Cancer of a specific severity 

  • Myocardial infarction (first heart attack, of a specific severity)

  • Open heart surgery for replacement or repair of heart valves

  • Coma of a specified severity

  • Apallic syndrome. 

  • Motor neuron disease with permanent symptoms

  • Major organ or bone marrow transplant

  • Kidney failure requiring regular dialysis

  • Permanent paralysis of limbs

  • Multiple sclerosis with persisting symptoms

  • Stroke resulting in permanent symptoms

  • Primary pulmonary hypertension

  • Deafness (loss of hearing)

  • Blindness (loss of sight)

  • Aorta graft surgery

  • Coronary artery disease

  • End-stage liver failure

  • Aplastic anaemia

  • Third-degree burns (major burns)

  • End-stage lung disease

  • Alzheimer’s disease

  • Fulminant hepatitis.

  • Muscular dystrophy

  • Systemic lupus erythematosus

  • Bacterial meningitis

  • Medullary cystic disease

  • Parkinson’s disease

  • Benign brain tumour

  • Loss of speech

Percentage of sum insured payable unless specified otherwise

Nature of permanent partial disablement

50%

 Loss of one hand/one foot

50%

Total and irrecoverable loss of sight in one eye

5%

 Loss of toe great – any one foot

10%

 Loss of toe great – any one foot

50%

 Total and irrecoverable loss of hearing in both ears

2%

Loss of toes other than great, if more than one toe lost, each

15%

Total and irrecoverable loss of hearing in one ear

40%

Loss of four fingers and thumb of one hand

50%

 Total and irrecoverable loss of speech

35%

Loss of four fingers

10%

Loss of thumb – one phalanx

25%

Loss of thumb – both phalanges

10%

Loss of index finger – three phalanges

4%

Loss of index finger – two phalanges

8%

Loss of index finger – two phalanges

6%

Loss of middle/ring/little finger – three phalanges

2%

Loss of middle/ring/little finger – one phalanx

4%

Loss of middle/ring/little finger – two phalanges

 

Nature of Permanent Total Disablement

Totally irrecoverable loss of one eyesight as well as a limb’s loss

Totally permanent loss of usage of one hand and foot

Totally permanent loss of usage of both hands and feet

Totally irrecoverable loss of one eye’s sight

Totally irrecoverable loss of hearing in both ears as well as loss of speech

Totally irrecoverable loss of hearing in both ears as well as loss of one limb/loss of sight in one eye

If the insured person is unable to engage in his employment or occupation for profit remuneration, resulting in a loss of independent living, mainly due to permanent total disablement

Totally irrecoverable loss of speech as well as loss of one limb/ loss of sight in one eye

Policy Plan Details & Specifications

Following are the pointers that specify the Accidental Death Benefit with 30 Critical Illnesses Cover details:

  • Coverage limit

SUM INSURED (Rs.)

AGE RANGE

PREMIUM INCLUDING GST (Rs.)

 

 

 

5 Lakh

18-35

1,704

36-55

5,474

56+

28,529

  • Validity

    One year

  • Waiting period

            90 days

  • Survival period

            30 days

What’s not covered under Accidental Death Cover with 30 Critical Illnesses?

Let’s also understand some of the exclusions of the accidental death benefit with 30 critical illness insurance policy:

  • Pre-existing disease

One can’t claim any amount if they have a pre-existing disease.

 

Please refer to the policy wordings to know more about the exclusions.

How to Make a Claim

Make a claim in the following ways – 

  • Call

Call on the toll-free number 1800-102-4462.

  • Email

You can also email the team at servicesupport@manipalcigna.com by mentioning your policy number and other details. 

Customer Care Details

Feel free to connect with us at Bajaj Markets. Just write to us at: insuranceconnect@bajajfinservmarkets.in

Frequently Asked Questions About Accidental Death Cover with 30 Critical Illnesses

  • ✔️Will I get the insurance amount under the Accidental Death Cover with 30 Critical Illnesses if I suffer totally irrecoverable loss of one eye’s sight?

    Yes, you will receive the insured amount if you suffer totally irrecoverable loss of one eye’s sight.

  • ✔️Can I claim the insurance amount if I suffer permanent partial disablement within 90 days of the commencement of my membership of the Accidental Death Cover with 30 Critical Illnesses?

    No, you cannot claim the insurance amount if you suffer permanent partial disablement within 90 days of the commencement of your membership.

  • ✔️Can my membership be cancelled anytime?

    Yes, your membership can be cancelled at any time as per your wish. Call our 24-hour helpline for assistance or send us an email. In case you want to cancel within 30 days from the date of the commencement of the membership, you will receive a full refund of your payment. However, note that it is only applicable only if you haven’t made any claim.

  • ✔️Is end-stage liver failure covered under the Accidental Death Cover with 30 Critical Illnesses?

    Yes, end-stage liver failure is covered under the accidental death benefit with 30 critical illness plan.