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Comprehensive Permanent Partial Disablement Cover

Even though we may take all possible precautions, life is unpredictable and an accident has the potential to disrupt our well-planned lives. In several cases, accidents result in severe injuries that might cause permanent partial disablement. The treatment for such injuries can be quite expensive and this is why accidental disability insurance is crucial.


Bajaj Markets presents Comprehensive Permanent Partial Disablement Cover in collaboration with Manipal Cigna Health Insurance which is specially customised to offer financial aid. Under this policy, you will receive comprehensive policy coverage in case of permanent partial disablement caused due to an accident. Thus, you can have peace of mind and focus on recovering from your injuries!

Key Features of Permanent Partial Disablement Cover

Let’s understand the features and benefits of opting for accidental disability insurance:

Covers Permanent Partial Disablement

In case of an unfortunate mishap which causes permanent partial disability, you can avail monetary backup to secure your medical expenses.

Extensive Protection

Permanent disability insurance offers comprehensive policy coverage by securing a wide variety of disabilities and injuries that may result from an unforeseen accident!

How to Apply for Permanent Partial Disablement Cover?

Follow this step-by-step guide to buy the Permanent Partial Disablement Cover with just a few clicks!

  • Click on ‘Buy Now’

    Click on the ‘Buy Now’ option available on the page.

  • Fill in the Details

    Fill out the online application form with all required details.

  • Make the Payment

    Complete the online payment process to purchase the Permanent Partial Disablement Cover.

Your Permanent Partial Disablement policy document will be sent to your registered email ID!

Eligibility Criteria of Permanent Partial Disablement Cover

Individuals who want to purchase the Permanent Partial Disablement Cover should belong to the age group of 18 years to 65 years to be eligible for the plan.

What’s Covered Under Permanent Partial Disablement Cover?

  • Permanent Partial Disablement

    Coverage shall be provided if the insured person suffers an illness or sustains an injury due to an accident or mishap such as fire, lightning, explosion, etc. which result in permanent partial disablement.

  • Covers Various Types of Disablement

    The Permanent Partial Disablement Cover secures you against various types of disabilities that you may experience due to an accident. As per the nature of the partial permanent disability, a percentage of the sum insured will be paid.

Nature of the Permanent Partial Disablement

Percentage of the Sum Insured Payable

1. Total and permanent loss of vision in one eye

2. Loss of one hand or foot

3. Total and permanent loss of hearing in both ears

4. Total and permanent loss of speech




Loss of all five fingers of one hand


Loss of four fingers


Loss of thumb - both finger bones


Total and permanent loss of hearing in one ear


1. Loss of thumb - one finger bone

2. Loss of index finger - three finger bones

3. Loss of all toes on any one foot



Loss of index finger - two finger bones


Loss of middle/ring/little finger - three finger bones


Loss of big toe - one foot


1. Loss of middle/ring/little finger - two finger bones

2. Loss of index finger - one finger bone



1. Loss of toes (other than the big toe). If more than one toe is lost, each

2. Loss of middle/ring/little finger - one finger bone



Permanent Partial Disablement Insurance Plan Details & Specifications

  • Coverage Limit: 

Insurance coverage of up to ₹1 Lakh is available at just ₹119 per year.

  • Validity: 

1 year

  • Initial Waiting Period: 

30 Days

  • Payment Modes Available: 

Debit card, credit card, mobile wallets, online banking, and UPI option is available.

What’s Not Covered Under Permanent Partial Disablement Cover?

Let us now look at the aspects that are excluded from the short-term accidental disability insurance:

  • Adventure Sports

The Permanent Partial Disablement Cover does not cover any accident caused due to adventure sports.

  • Pre-Existing Conditions

If the insured person has any pre-existing illnesses, it is not covered under the disability insurance plan. The Permanent Partial Disablement Cover has a waiting period of two days for specific illnesses.

How to Make a Claim Under Permanent Partial Disablement Cover?

You can easily make an insurance claim under your permanent disability insurance in the following way:

Customer Care Details

FAQs on Permanent Partial Disablement Cover

Who is eligible for the Permanent Partial Disablement Cover?

People in the age group ranging from 18 years to 65 years are eligible to apply for the accidental disability insurance cover.

What is the duration of the permanent disability insurance policy?

The Permanent Partial Disablement Cover policy is valid for 1 year.

What is the maximum amount of sum insured offered under the disability insurance plan?

The maximum sum insured available under the Permanent Partial Disablement Cover is ₹1 Lakh.

What is the general waiting period under Permanent Partial Disablement Cover?

The initial waiting period is 30 days whereas the specific illness waiting period is for two days.

What are the diseases/treatments for which a waiting period is applicable?

The waiting period is applicable for the following ailments:

  • Hysterectomy for menorrhagia or fibromyoma or prolapse of uterus.

  • Stones in the urinary urogenital and biliary systems including calculus diseases.

  • Varicose veins and varicose ulcers.

  • Knee replacement surgery, gout, joint replacement surgery, rheumatism, osteoarthritis and osteoporosis, non-infectious arthritis, prolapse of intervertebral discs and all vertebrae diseases.

  • Cataract

  • Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumours/ skin tumours, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases

  • Benign prostate hypertrophy, all types of hydrocele.

  • Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.

  • Fissure, fistula in the anus, piles, all types of hernia, pilonidal sinus, haemorrhoids and any abscess related to the anal region.

  • Any surgery of the genito-urinary system.

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