Mediclaim Comprehensive Dependent Children Benefit | Pocket Insurance

Coverage of up to Rs. 1 Lakh | Buy Mediclaim Comprehensive Dependent Children Benefit Cover at just Rs. 134 Buy Now

What is Mediclaim Comprehensive Dependent Children Benefit?

Children are our greatest wealth and depend on us for their needs. However, life is unpredictable and we cannot always be sure of being able to provide for them. This is why we bring to you the FlexiCare Group Insurance Policy - Mediclaim Comprehensive Dependent Children Benefit, by Manipal Cigna Health Insurance.

If the insured person suffers from an accident immediately leading to his/her total or permanent partial impairment, the dependent child under the age of 25 will be paid ₹1 Lakh. Such a cover enables you to take care of your child, who is financially dependent on you. The coverage amount can, thus, be used towards higher education, self-employment, marriage, medical requirements or other needs of your child.

Policy Plan & Details

Learn more about the Mediclaim Comprehensive Dependent Children Benefit below:

Coverage	Premium (including GST)	Plan Validity
Up to ₹1 Lakh	₹134	1 Year

Key Features & Benefits of Mediclaim Comprehensive Dependent Children Benefit

Extensive security

The Comprehensive Dependent Children Benefit offers extensive protection in the event of an untoward incident and secures your child’s financial needs.

Safeguards more than one child

If you have more than one child, the Mediclaim Comprehensive Dependent Children Benefit equally distributes the sum insured to all the eligible children!

Includes your minor child

In case the mishap occurs while your child is still a minor, you do not have to worry as the sum insured will be paid out to the legal guardian!

Eligibility Criteria

Here are the details of the age limit to apply for the Mediclaim Comprehensive Dependent Children Benefit:

Minimum Entry Age	Maximum Entry Age
18 Years	65 Years

What's Covered?

Comprehensive Coverage

You can enjoy comprehensive coverage for your dependent child/children in case of a mishap, provided they are less than 25 years old and unmarried on the day of the incident. This is regardless of whether the child is an insured individual under the policy or not.
Coverage for Minor Child

The amount covered will be paid out to the parent/legal guardian if the dependent child is a minor.
Coverage for More Than one Child

If just one child is named under the cover, the entire sum insured shall be paid to that child. However, the sum insured will be distributed equally among all qualifying children in the case the insured has more than one child.

What is not covered?

Accidents Due to Adventure

The Dependent Children Benefit does not cover any accidents caused by adventure activities.
Pre-Existing Conditions

The policy is not covered if the child/children have a pre-existing disease or medical condition.
Waiting Period

The policy has two types of waiting periods, an initial waiting period of 30 days and a 24-month waiting period for special diseases.

How to Apply for Mediclaim Comprehensive Dependent Children Benefit?

Let’s look at the process for purchasing a Mediclaim Comprehensive Dependent Children Benefit cover:

Click on ‘Buy Now’

On the product page on Bajaj Markets, click on ‘Buy Now’.
Enter Your Details

Provide all your necessary details in the online application form.
Pay the Policy Premium

You can pay the premium for your plan using any online mode of payment.

Your Mediclaim Comprehensive Dependent Children Benefit policy document will be sent to your registered email ID once you pay the premium amount.

How to File a Claim?

Raise an insurance claim in the following two ways:

You can write to the insurer at servicesupport@manipalcigna.com
You can reach them at their toll-free number 1800-102-4462

Customer Care Details

You can reach out to Bajaj Markets for any queries at insuranceconnect@bajajfinservmarkets.in

Medical Covers for Disease

Hospitalisation Insurance

Injury/Accident Covers

Who is eligible for the Comprehensive Dependent Children Benefit plan?

This policy is available to those between the ages of 18 and 65.

What is the validity of the policy?

The policy has a tenure of one year.

What is the sum insured amount provided under the Dependent Children Benefit plan?

The sum insured amount offered under the insurance plan is ₹1 Lakh.

What are all the diseases and illnesses considered in the special illness waiting period?

The following disorders are subject to the special illness waiting period:

Cataract
Hysterectomy for menorrhagia or fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids.
Knee replacement surgery (other than caused by an accident), non-infectious arthritis, gout, rheumatism, osteoarthritis and osteoporosis, joint replacement surgery (other than caused by accident), prolapse of intervertebral discs (other than caused by accident), all vertebrae disorders, including but not limited to spondylitis, spondylosis, spondylolisthesis, congenital internal.
Varicose veins and varicose ulcers.
Stones in the urinary urogenital and biliary systems including calculus diseases.
Benign Prostate Hypertrophy, all types of Hydrocele.
Fissure, fistula in the anus, piles, all types of hernia, pilonidal sinus, hemorrhoids, and any abscess related to the anal region.
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.
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
Any surgery of the genito-urinary system unless necessitated by malignancy