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:
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 –
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
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✔️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.
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✔️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.
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✔️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.
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✔️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.
