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.
Learn more about the Mediclaim Comprehensive Dependent Children Benefit below:
Premium (including GST)
Up to ₹1 Lakh
Here are the details of the age limit to apply for the Mediclaim Comprehensive Dependent Children Benefit:
Minimum Entry Age
Maximum Entry Age
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.
The amount covered will be paid out to the parent/legal guardian if the dependent child is a minor.
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.
The Dependent Children Benefit does not cover any accidents caused by adventure activities.
The policy is not covered if the child/children have a pre-existing disease or medical condition.
The policy has two types of waiting periods, an initial waiting period of 30 days and a 24-month waiting period for special diseases.
Let’s look at the process for purchasing a Mediclaim Comprehensive Dependent Children Benefit cover:
On the product page on Bajaj Markets, click on ‘Buy Now’.
Provide all your necessary details in the online application form.
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.
Raise an insurance claim in the following two ways:
You can write to the insurer at firstname.lastname@example.org
You can reach them at their toll-free number 1800-102-4462
You can reach out to Bajaj Markets for any queries at email@example.com
This policy is available to those between the ages of 18 and 65.
The policy has a tenure of one year.
The sum insured amount offered under the insurance plan is ₹1 Lakh.
The following disorders are subject to the special illness waiting period:
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
The premium amount for the Mediclaim Comprehensive Dependent Children Benefit is ₹134.