Buy Accidental Death Benefit, Disability & Coma Benefit at just ₹623/year.

What is the Accidental Death Benefit, Disability & Coma Benefit?

The rate of occurrence of accidents has been increasing every year. It may result in death, cause disabilities, or lead to coma. Expenses incurred due to these can be really high. Having an insurance plan to take care of your finances can be a smart choice.

 

Hence, Bajaj Markets brings to you the Accidental Death Benefit, Disability & Coma Benefit at just  ₹ 623/year including GST. This insurance plan provides coverage against coma expenses, accidental deaths, and disability. Read on to know more about the plan.

Key Features of the Accidental Death Benefit, Disability & Coma Benefit

Accidental Death Benefit

If the accident of the policyholder results in their death, this benefit amount will be payable.

Permanent Total Disability

If an accidental injury leads to permanent total disability, the insured sum is payable.

Coverage Against Ambulance Charges

This plan provides coverage against the expenses incurred for the provision of ambulance services of up to ₹ 2,000.

How to Apply for the Accidental Death Benefit, Disability & Coma Benefit?

Listed below are the simple steps for you to purchase the Accidental Death Benefit, Disability & Coma Benefit:

  • Click on ‘Buy Now’

    Tap on ‘Buy Now’ on the product page to purchase the policy.

  • Enter Your Details

    FIll in the details required to purchase this policy.

  • Make The Payment

    Make the premium payment through any online payment portal.

Eligibility Criteria

Pointed below is the eligibility criteria to purchase the Accidental Death Benefit, Disability & Coma Benefit:

 

  • You are required to be between 18 years and 65 years of age.

  • You must be a Resident of India.

What's Covered under the Accidental Death Benefit, Disability & Coma Benefit

  • Accidental Death Benefit (Common Carrier)

    If the policyholder is a passenger who is authorised on a common carrier resulting in their death, this plan pays the insured amount.

  • Coverage Against Permanent Total Disability (Common Carrier)

    If the policyholder meets with an accident which results in his permanent total disability as a passenger who is authorised on a common career, this plan pays the insured amount.

  • Coverage Against Funeral Expenses

    A sum of up to ₹ 10,000 is paid to cover the funeral expenses of the policy holder. However, this is just a one time payment.

Policy Plan Details & Specifications

Following are the details and specifications of the Accidental Death Benefit, Disability & Coma Benefit

Coverage/Benefit

Sum Insured

Accidental Death

₹ 5,00,000

Permanent Partial Disability

Permanent Total Disability

Accidental Death (Common Commute)

₹ 10,00,000

Permanent Total Disability (Common Commute)

₹ 10,00,000

Emergency Road Ambulance Benefit

₹ 2,000

Funeral Expenses

₹ 10,000

Coma Benefit 

₹ 1,00,000

Education Fund

₹ 1,00,000 

Hospitalisation cash

₹ 500/day

Premium (inclusive of GST)

₹ 623

What’s Not Covered under the Accidental Death Benefit, Disability & Coma Benefit?

Stated below are the exclusions of the Accidental Death Benefit, Disability & Coma Benefit:

 

  • Any ailments, diseases or injuries sustained prior to the commencement of the policy year cannot be covered by this policy.

A full set of exclusions, terms and conditions are readily available for your reading in the attached document.

How to Make a Claim

The following are the ways in which you can contact ManipalCigna Health Insurance Co. Ltd. to claim the benefits and coverage of this policy:

 

  • Email

You can write to the insurer at servicesupport@manipalcigna.com.

 

  • Toll-free Number

To claim this policy, you can call the insurer on 1800-102-4462.

Customer Care Details

For any queries or questions, you can contact Bajaj Markets at insuranceconnect@bajajfinservmarkets.in.

Frequently Asked Questions About the Accidental Death Benefit, Disability & Coma Benefit

  • ✔️Can I buy the policy after the accident and still use its benefits?

    The accident must occur during the policy year for you to be eligible for the benefits. Any injuries or ailments sustained prior to the commencement of the policy year will not be covered.

  • ✔️Can I claim this amount if I get hospitalised for less than 48 hours?

    No, you cannot claim the amount if you get hospitalised for less than 48 hours.

  • ✔️Up to what amount does this plan cover for funeral expenses?

    This plan covers a total lump sum of  ₹ 10,000 to take care of the funeral expenses of the policyholder.