Coverage of up to Rs. 4 Lakhs | Buy Accidental Disability, Modification & Rehabilitation cover with just Rs. 194/year.  

 

What is Accidental Disability, Modification & Rehabilitation Cover

Accidents and deaths of a family member can be extremely disheartening and mentally taxing. It gets even more difficult if the affected person is the earning member. The family can suffer financially, and it can impact their well-being.   

Bajaj Markets cares about you and therefore, brings to you the Accidental Disability, Modification & Rehabilitation cover from  Manipal Cigna Health Insurance. This insurance policy provides coverage against hospitalisation, hospitalisation rehabilitation, permanent total and partial disablement, and more. It insures a sum of up to Rs. 4 Lakhs at a premium of Rs. 194/year including GST. Read on to know more about the plan.

How to Apply for the Accidental Disability, Modification & Rehabilitation Cover

The application process for this Accidental Disability, Modification & Rehabilitation cover is super easy. Follow the steps mentioned below.

  • Click on Buy Now 

    Tap on ‘Buy Now’ on this page.

  • Fill in the Details

    Enter your details in the online application form.

  • Make the payment

    Complete the quick online payment with a few clicks.

You’ll receive your membership details and welcome package on your registered e-mail ID.  

 

Eligibility Criteria  

To opt for the Accidental Disability, Modification & Rehabilitation cover, you need to meet the basic eligibility parameters listed below: 

  • You must be a resident of India.

  • You must be between the age of 18 and 65 years. 

     

 

 

What's Covered under the Accidental Disability, Modification & Rehabilitation Cover

Here are some of the important inclusions under the Accidental Disability, Modification & Rehabilitation cover. 

Coverage Against Permanent and Partial Disablement

If the insured person meets with an event mentioned under the policy causing an injury resulting in permanent partial disability, then a particular percentage of the insured sum is paid. However, it is to be noted that the injury must take place during the year of policy. The disability should be of the nature that has been mentioned under the given policy and should have occurred within one year from the accident’s date. The maximum sum that is paid to the insurer is mentioned in the schedule of the policy or the insurance certificate.

 

The benefit amount is payable only if:

  • The proof of the insured person’s permanent partial disability is proved. Submission of a certificate of disability issued by a civil surgeon or a person who is equivalent to him as appointed by the State, Govt. Board, or the District to the insurer is mandatory.
  • For a disability besides the physical separation of digit/s, limb/s, if the permanent partial disability continues for 180 days or more and there is scope for improvement, then the policyholder is eligible for the payout of the benefit amount.
  • If the policyholder dies before the admission of the claim amount under this insurance policy, then no amount will be paid. However, if the benefit amount under Accidental Death is opted for then that coverage will be payable.
  • If the policyholder undergoes a loss other than a nature of permanent partial disability as mentioned above, then a disability certificate will be issued either by a civil surgeon or an equivalent as appointed by the State, the Govt. Board, or the District identifies the degree of the disability and the amount that is payable, if at all.

 

Coverage Against Permanent Total Disability

If the insured person meets with an event mentioned under the policy causing an injury resulting in permanent total disability, then a particular percentage of the insured sum is paid. However, it is to be noted that the injury must take place during the year of policy. The disability should be of the nature that has been mentioned under the given policy and should have occurred within one year from the accident’s date.

The benefit amount is payable only if:

  • The proof of the insured person’s permanent total disability is proved. Submission of a certificate of disability issued by a civil surgeon or a person who is equivalent to him as appointed by the State, Govt. Board, or the District to the insurer is mandatory.
  • For a disability besides the physical separation of digit/s, limb/s, if the permanent total disability continues for 180 days or more and there is scope for improvement, then the policyholder is eligible for the payout of the benefit amount.
  • If the policyholder dies before the admission of the claim amount under this insurance policy, then no amount will be paid. However, if the benefit amount under Accidental Death is opted for then that coverage will be payable.
  • Once one claim has been received, accepted and paid under this insurance policy, then this policy of the person shall lapse.

 

Plan Details & Specifications

Coverage

Coverage 1

Sum Insured up to

Coverage 2

Sum Insured up to

Coverage 3

Sum Insured up to

Permanent Total Disablement

Rs. 2 Lakhs

Permanent Total Disablement

Rs. 3 Lakhs

Permanent Total Disablement

Rs. 4 Lakhs

Permanent Partial Disablement

Rs. 2 Lakhs

Permanent Partial Disablement

Rs. 3 Lakhs

Permanent Partial Disablement

Rs. 4 Lakhs

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Rehabilitation Cover

Rs. 20,000

Premium including GST

Rs. 114

Premium including GST

Rs. 154

Premium including GST

Rs. 194

 

Validity 

One year.  

 

What’s not Covered under Accidental Disability, Modification & Rehabilitation cover? 

Let’s also understand some of the exclusions of the Accidental Disability, Modification & Rehabilitation cover –   

  • Accident due to adventure sports  

If you meet with an accident while participating in adventure sports, you will not be able to reap the benefits of this insurance policy.  

  • Pre-existing conditions 

There is no coverage under this insurance plan for the pre-existing conditions.

Kindly refer to the document attached for more details.  

How to Make a Claim  

You can make a claim in the following ways -   

  • Call 

Call on the toll-free number 1800-102-4462.   

  • Email  

You may 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

  • ✔️ Can I reap the benefits of the Accidental Disability, Modification & Rehabilitation cover for my pre-existing disease or disability? 

    Pre-existing injuries or complications are not covered. Expenses of the treatment for a pre-existing disability from a previous accident that occurred before the purchase of this insurance policy are also not covered. Also, if the medical advice or treatment is received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter, they are not covered.  

     

  • ✔️What are the payment options available to purchase the Accidental Disability, Modification & Rehabilitation cover? 

    Credit/debit card, UPI, and other online payment modes are available for you to buy this insurance plan.  

     

  • ✔️Can my membership get cancelled anytime? 

    Yes, your membership can be cancelled any time as per your wish. Call our 24-hour helpline for assistance or send us an email. If you cancel your membership within 30 days from the date of commencement of your membership, you will receive a full refund of your payment. However, it is applicable only if you haven’t made a claim.