What is the Accidental Disability, Modification & Re-training Expenses Cover?
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
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.
Eligibility Criteria
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.
What's Covered
Policy Plan Details & Specifications
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 |
What’s Not Covered
You will find the exclusions of the Accidental Disability, Modification & Re-training Expenses Cover below.
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.
How to Make a Claim
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.
Customer Care Details
If you have any questions, please feel free to write to Bajaj Markets at insuranceconnect@bajajfinservmarkets.in.
Frequently Asked Questions About the Accidental Disability, Modification & Re-training Expenses Cover
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✔️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.
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✔️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.
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✔️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.
