Coverage up to ₹3 Lakhs | Premium starting at ₹214 | Disability coverage

A sudden accident can sometimes lead to bodily injury that may result in the disablement of one or both limbs, loss of sight, speech or hearing. This can not only be discomforting physically and emotionally, but also put you in a financial dilemma if you haven’t saved enough to meet the expenses required for treatment and hospitalization.


This is why purchasing insurance against accidental disablement is essential as it helps to safeguard you against any such uncertainties in the future. Take, for instance, the Accidental Disability Cover (both partial and total disablement), a FlexiCare Group Insurance cover offered by Bajaj Markets in partnership with Manipal Cigna Health Insurance.

About Accidental Disability Cover

Here are the plan details:

Sum Insured

Premium (Including GST)

₹1 Lakh


₹2 Lakhs


₹3 Lakhs


How to Apply for the Accidental Permanent Disability Cover (Total and Partial) policy

Here are the steps you can follow to purchase the Accidental Disability Cover on Bajaj Markets.

  • Click on ‘Buy Now’

    Select the ‘Buy Now’ option to commence the purchasing process

  • Fill Details

    Fill in your details like name and phone number in the online form.

  • Make Your Payment

    Pay for your insurance using your preferred mode whether UPI, mobile wallets or debit and credit card.

Features & Benefits

Given below are a few of the features and benefits of the Accidental Disability Cover.

Customized Plan

Choose a sum insured between ₹1 Lakh to a maximum of ₹3 Lakhs as per your requirements and pay affordable premiums

Coverage for a Large Age Group

If you are between the age of 18 to 65 years you can buy insurance against accidental disablement

Annual Cover

Coverage is provided every year from the date when the plan is bought

Importance of Purchasing of Accidental Permanent Disability Cover

Here’s why you should get the Accidental Permanent Disability (Total and Partial) Disability Cover.

Financial Safety Net

The Accidental Disability Cover can offer you financial protection in tough times that render you unable to comfortably pay for your accidental disability treatment. You can claim the sum insured in case of permanent total/partial disability for urgent treatments. You can also extend this coverage to your family members.

Tax Benefits

Under Section 80D, Section 80C, and Section 10D of the Income Tax Act of 1961, you can claim tax benefits for owning this policy. You can get up to ₹1.5 Lakhs of tax benefits for paying a premium towards the Accidental Disability Cover.

Payout Choices

You can choose your payout method as per your convenience after claiming the sum insured. You can choose for the sum insured to be paid out in a lump sum or in the form of installments. Choosing a lump sum is usually the case when the insured wishes to use the sum insured for treatment costs while the installments help the insured manage survival expenses.

Income Substitute

The total sum insured, when accepted in the form of installments, can be used for day-to-day expenses. Should your unfortunate disability render you unable to partake in an occupation that could help you earn, the installments of the sum insured can help you survive for a long while. 

What is Covered?

  • Accidents

    Any accident that occurs to the insured due to an attack by animals, natural calamities such as earthquakes, floods, landslides, etc., adventure sports and involvement in recreational sports at a professional or semi-professional level is covered

  • Permanent Total Disability

    In case of bodily injury caused due to an accident that results in permanent total disability, medical expenditure for up to 365 days from the day when the accident occurred is taken care of

  • Permanent Partial Disability

    If the policyholder suffers a wound in an accident that directly leads to a permanent partial disability, medical expenditure coverage is offered for a maximum of 365 days from the date of the accident

What is Not Covered?

  • Underlying Health Condition: Accidental permanent disability cover is not liable for any complication arising out of a pre-existing medical issue that the insured might have before purchasing the plan

In order to have an understanding of all exclusions, please peruse the policy wordings.

Claim Process

In order to apply for a claim, you are encouraged to connect with the claim team put together to help serve you best. They are available via the following methods.

Email –

● Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4462

FAQs About the Accidental Disability Cover

What is the sum insured payable as per policy rules if one of the limbs or eyesight in one eye is lost during an accident?

You can claim 50% of the sum insured in such cases.

What if the insured is not able to hear or speak due to complete loss of hearing or speech?

In either of these cases, an amount equal to 50% of the sum insured is paid out by the Accidental Disability Cover.

What are various plan options available in the Accidental Disability Cover?

You can choose from a sum insured of ₹1 Lakh, ₹2 Lakhs, or ₹3 Lakhs.

What is the premium to be paid for each of these plans?

You need to pay ₹214, ₹404 and ₹594 respectively for a sum insured of ₹1 Lakh, ₹2 Lakhs, or ₹3 Lakhs respectively.

Does this plan offer lifetime coverage?

No, the Accidental Disability Cover only offers you annual insurance against accidental permanent disability from the day of purchase.

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