Personal vehicles (two-wheelers and cars included) afford their owners’ ample amounts of convenience as they allow you to travel with ease. That being said, they can result in unfortunate accidents which can lead to injuries that can be expensive to treat. In order to protect yourself against expenses arising from the same, consider availing of the FlexiCare Group Insurance Policy - Accidental Hospitalization (Personal Vehicle) plan provided by Manipal Cigna Health Insurance. With this plan, insured individuals are entitled to coverage amounting to up to INR 3 Lakhs in the event that they incur any injuries owing to an accident with their personal vehicle. 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 permanent disability cover(both partial and total disablement), a FlexiCare Group Insurance cover offered by Finserv MARKETS in partnership with Manipal Cigna Health Insurance. 

Plan Details

Here are the plan details:


Sum Insured

Premium (Including GST)

Rs. 1 Lakh

Rs. 214

Rs. 2 Lakhs

Rs. 404

Rs. 3 Lakhs

Rs. 594

Features & Benefits

  • Customized Plan

    Choose a sum insured between Rs. 1 lakh to a maximum of Rs. 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

What is Covered?

  • Accidents: Any accident that occurs to the insured due to an attack by animals, natural calamities such as earthquakes, floods, landslides, e.t.c, 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.

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

  • Visit Finserv MARKETS

    Visit our website and go to the Pocket Insurance and VAS products page

  • Select Product

    Choose the Accidental Permanent Disability Cover (Total and Partial) policyfrom the wide array of products

  • 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.

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 – servicesupport@manipalcigna.com

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


  • ✔️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 permanent disability cover

  • ✔️What are various plan options available in the Accidental permanent disability cover?

    You can choose from a sum insured of Rs. 1 lakh, Rs.2 lakh or Rs. 3 lakh

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

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

  • ✔️Does this plan offer lifetime coverage?

    No, it only offers you annual insurance against accidental permanent disability from the day of purchase