Buy the Accidental Death, Repatriation, Funeral Expenses & Spouse Benefit at just Rs. 234/year

What is the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit?

 

About 1,20,806 fatal accidents had occurred in India in the year 2020. Nothing can make up for the lives lost to those accidents. The emotional trauma increases further as immediate financial responsibilities such as the return of the body, funeral expenses, etc. fall on the shoulders of the next of kin. 

 

With the added financial stress, the family cannot mourn or grieve the unfortunate demise of their loved one. Thus, to help handle this stress, Bajaj Markets features the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit from ManipalCigna Health Insurance Co. Ltd. at a premium amount of ₹234.

 

Key Features of the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit

 

Lump Sum Insured

An ample sum of up to ₹5 Lakhs is insured by this policy should the insurer pass away in an accident.

Transportation

Be it the transportation of the body to be returned to the family or to be taken to the funeral site, this policy will cover its costs up to ₹10,000.

Spouses Covered

Regardless of whether the insured’s spouse is listed as a policy member or nominee, they are eligible to receive the spouse benefit of up to ₹1 Lakh.

 

How to Apply for the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit?

Following are the three easy steps which can help you purchase the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit.

  • Step 1: Click on Buy Now

    On the product page, tap "Buy Now."

  • Step 2: Fill in the Details

    Enter the required details in the online application form

  • Step 3: Make Online Payment

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

Eligibility Criteria

 

You are required to be between the ages of 18 years to 65 years to be eligible for the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit.

 

What's Covered

 

Given below is the coverage offered to the insured by the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit.

 

  • Return of Mortal Remains

If an accidental death should occur in the family, the policy can cover the costs incurred as a result of repatriation of the deceased body. The travel amount can be reimbursed should the accidental demise occur away from home. Medical assistance can be provided along with all the required clearances. 

 

  • Funeral Costs

Funeral costs, such as preparation of the body for burial/cremation, transportation to the funeral site, expenses imposed by the funeral ceremony, etc., can be covered by this policy. This way, the family and loved ones need not stress about the costs of an expensive funeral and focus on their respective emotional recovery.

 

  • Accidental Demise Compensation

Should the demise of the insured occur during the policy year, the accidental demise compensation can be claimed by their family. This policy can provide up to ₹5 Lakhs as compensation for the accidental demise of the insured.  

 

  • Partner Benefit

If the insured, who’s unfortunate demise has led to the claiming of this policy, is married, the policy will give their spouse a benefit of up to ₹1 Lakh. The benefit will be directly transferred to the spouse, regardless of whether the spouse is a member of the policy.   

 

Policy Plan Details & Specifications

 

In a tabular form given below are the details and specifications of the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit which can be purchased at a premium amount of ₹234.

 

Coverage/Benefit

Sum Insured

Accidental Demise 

₹5 Lakhs

Spouse Coverage

₹1 Lakh

Repatriation of Mortal Remains

₹50,000

Funeral Costs

₹10,000

What’s Not Covered

 

Listed below are the exclusions of the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit.

 

Adventure Sport Afflictions

 

Death due to injuries and complications that are a result of adventure sports is not covered by the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit. 

 

Pre-existing Ailments

 

Pre-existing diseases, ailments, illnesses and health problems that have led to the demise of the insured will not be covered by this policy. 

 

Accident Terms

 

If the demise of the insured is not a direct consequence of the injuries inflicted during the event or accident covered by this policy, the coverage amount is not payable by the insurer. Additionally, the demise of the insured must occur within 365 days of the accident date.

 

*To read a more detailed set of exclusions, terms and conditions, please access the policy document.


How to Make a Claim

 

Following are the routes through which you could contact the insurer to claim the benefits of this policy.

 

  • Email

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

 

  • Toll-free Number

You can call the insurer on 1800-102-4462 to claim this policy.

 

Customer Care Details

 

For queries, concerns or questions, write to Bajaj Markets at insuranceconnect@bajajfinservmarkets.in.

 

FAQs on the Accidental Death, Repatriation of Mortal Remains, Funeral Expenses & Spouse Benefit

  • ✔️Can my children also receive benefits by this policy in the case of my accidental death?

    The insured’s children cannot receive any benefits under this policy, except for the compensation provided to the family in case of the insured’s death. Only the spouse can be provided with a special benefit of up to ₹1 Lakh. 

  • ✔️Will my family have to handle the paperwork of returning my body back home?

    The policy will cover all the documentation, paperwork and clearances required to assure the safe return of the deceased's body to their loved ones. Additionally, a medical team will also be stationed with the body to guarantee its safety.

  • ✔️Will it make a difference to the policy if I wish to be buried or cremated?

    Cultural and personal decisions regarding the funeral do not affect the Funeral Costs Benefit. Irrespective of the manner in which the funeral is carried out, the benefit can be claimed.