An accident can leave behind traumas that can last forever. These traumas can appear in the form of the long-term shock of the accidents or certain disablements that the body cannot properly recover from.
Recovering from an accident with disablement can be one the most challenging things to overcome since it requires you to test the limits of your mental, physical and financial strength. To ease the process and help you manage the change and recovery process, Bajaj Markets features the Accidental Disability, Modification & Re-training Expenses Cover at a premium rate starting at ₹124.
Key Features of the Accidental Disability, Modification & Re-training Expenses Cover
Three Packages
The Accidental Disability, Modification & Re-training Expenses Cover provides you with three varied packages to choose the kind of benefits you could require at your convenience.
Lump Sum Covered
This policy covers up to ₹4 Lakhs for permanent total or partial disabilities.
Adaptive Equipment Instalment
This policy can help you upgrade your home and vehicles with adaptive equipment to adjust your surroundings to your convenience.
Occupational Skill Training
This benefit can help you receive training on certain occupational skills that could help you balance your professional life even after treatment and recovery.
How to Apply for the Accidental Disability, Modification & Re-training Expenses Cover?
Listed below are the easy steps you can follow to buy the Accidental Disability, Modification & Re-training Expenses Cover.
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Click on ‘Buy Now’
Select ‘Buy Now’ on the product page to purchase this policy.
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Enter Your Details
Fill in the details essential to purchase this policy.
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Make The Payment
Pay the premium amount through any online payment portal.
You are eligible for the Accidental Disability, Modification & Re-training Expenses Cover if you are above the age of 18 years and below the age of 65 years.
1. Permanent Total/Partial Disability
Should an accident leave behind certain injuries that lead to permanent total or partial disablement, this cover will provide you with the benefit amount within 365 days of the accident. However, the accident must occur within the policy year. A medical professional like a doctor or surgeon must provide the insurer with a certificate stating the degree of the permanent partial/total disablement. For partial disablement, the insurer requires you to provide them with a disability certificate at the cusp of 180 days after the accident, which proves that the disability is permanent with no improvement possible.
2. Retraining Costs
After the accident, should you require financial help to receive training on how to handle your day-to-day life with disabilities, you can claim the retraining costs benefit. This would specifically target the goal of inculcating an occupational skill in you to help you hold a balance between a healthy personal life and a healthy professional life with nothing holding you back.
3. Surroundings Modification
As a result of accidental disablement, you could require certain vital changes to be made in your surroundings, such as vehicle modifications, home modifications, etc. This policy can cover any adjustments required in your surroundings to ease your days as much as possible.
Chalked below are the specifications and details of the Accidental Disability, Modification & Re-training Expenses Cover.
The Accidental Disability, Modification & Re-training Expenses Cover at ₹124.
Coverage/Benefit |
Sum Insured |
Permanent Total Disability (PTD) |
₹2 Lakhs |
Permanent Partial Disability (PPD) |
₹2 Lakhs |
Re-training Expenses |
₹20,000 |
Modification Costs |
₹20,000 |
The Accidental Disability, Modification & Re-training Expenses Cover at ₹164.
Coverage/Benefit |
Sum Insured |
Permanent Total Disability (PTD) |
₹3 Lakhs |
Permanent Partial Disability (PPD) |
₹3 Lakhs |
Re-training Expenses |
₹20,000 |
Modification Costs |
₹20,000 |
The Accidental Disability, Modification & Re-training Expenses Cover at ₹204.
Coverage/Benefit |
Sum Insured |
Permanent Total Disability (PTD) |
₹4 Lakhs |
Permanent Partial Disability (PPD) |
₹4 Lakhs |
Re-training Expenses |
₹20,000 |
Modification Costs |
₹20,000 |
You will find the exclusions of the Accidental Disability, Modification & Re-training Expenses Cover below.
1. Pre-existing Ailments
Any injuries, ailments or disabilities that existed before the commencement of the policy year will not be covered by this policy.
For all the exclusions, terms and conditions, read the policy document carefully.
Contact ManipalCigna Health Insurance Co. Ltd. in the following ways to claim the coverage provided by this policy.
Email
You can write to ManipalCigna Health Insurance Co. Ltd. at servicesupport@manipalcigna.com.
Toll-free Number
You can make a call to 1800-102-4462 to claim this policy.
If you have any questions, please feel free to write to Bajaj Markets at insuranceconnect@bajajfinservmarkets.in.
Medical Covers for Disease
Hospitalisation Insurance
Injury/Accident Covers
Frequently Asked Questions About the Accidental Disability, Modification & Re-training Expenses Cover
Will I not get the benefits of this policy immediately after the accident or disablement?
The benefit amount from the Accidental Disability, Modification & Re-training Expenses will be provided to you within a year of the accident or disablement. However, in the case of permanent partial disability, the insurer will have to be provided with a certificate after 180 days of the accident that states that the degree of the partial disability is irrecoverable and permanent in order for you to receive the benefit amount.
What if I pass away before I can claim the policy?
Should your unfortunate demise occur before you, as the policyholder, admit a claim, the insurer will be required to dissolve your policy,and no benefits will be given.
What kinds of home or vehicular modifications can a specially-abled person require?
Adaptive equipment can be fixed to your vehicle or inside your home to ease mobility and erase any foreseeable inconveniences. Vehicles can be modified with higher or wider doors, support handles, seat adjusters, dashboard ignition, balancing wheels, etc. Homes can be upgraded with ramps, widening of doors or hallways, automatic door-openers, stair/porch/ceiling lifts, etc.
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