Prosthetic Limb Insurance

Advances in medical technology have allowed modern prosthetic limbs to replicate the functionality of human legs very closely. This has come as a boon for specially-abled people who rely on prosthetic limbs for mobility and everyday functions. However, prosthetic limbs do not come cheap, and any damage to them can come with a hefty repair or replacement bill. This is why Bajaj Markets and Tata AIG General Insurance offer their unique Prosthetic Limb Insurance plan that is tailor-made to provide insurance cover for people who rely on prosthetic limbs.

Features & Benefits

High Coverage at a Nominal Premium

Get coverage of Rs. 30,000 for just Rs. 349 per annum under the High-end Prosthetic Limb insurance plan.
Comprehensive Coverage

The Prosthetic Limb Insurance covers a wide range of issues ranging from repairs to cases of a total loss to your Prosthetic Limb, subject to the maximum sum insured under the policy.

What is Covered?

Standard Fire and Special Perils Cover

In the unfortunate event of your prosthetic limb getting damaged on account of a fire, or other perils such as lightning, explosion, floods, etc. the cost of repair and replacement will be covered by the Prosthetic Limb Insurance plan subject to the maximum sum assured under the plan.
Accidental Damage

Repair or replacement on account of accidental damage to your prosthetic limb is covered under the Prosthetic Limb Insurance plan.
Incidents of Theft/Burglary

In case your prosthetic limb gets stolen the Prosthetic Limb Insurance plan covers your financial loss up to the maximum sum assured under the plan.

What is Not Covered?

Prosthetic Limbs Older Than 3 Years

Prosthetic Limbs older than 3 years as counted from the invoice/bill date are not covered under this policy.
Loss or Damage Due to Normal Wear and Tear

Like all products, prosthetic limbs too suffer a certain degree of wear and tear due to daily use, which is normal. Any loss or damage on account of such normal wear and tear will not be covered by the Prosthetic Limb Insurance plan.

How to Apply for Prosthetic Limb Insurance?

Applying for Prosthetic Limb Insurance is fairly simple. You could avail the insurance instantly over a few clicks by following the below mentioned steps:

Visit Bajaj Markets

Visit our website and go to the Pocket Insurance and VAS products page
Select Product

Select Prosthetic Limb insurance Insurance and click on Buy Now
Fill Details

Fill out the full details required in the online application form
Make your payment

Once the application is complete, make the premium payment and you’re good to go now

Claim Process

To claim your insurance benefits in case of accidental loss or damage to your prosthetic limb, simply call the toll-free number 1800-266-7780 or 1800-22-9966 (for senior citizens only) and provide your plan details.

Alternatively, you may SMS ‘CLAIMS’ from your registered mobile number to 5616181.

What documents are required for making a claim?

Duly signed claim form, an incident report by the customer, a copy of FIR in case of theft or copy of the report from fire brigade in case of fire, original bill/invoice, repair bills (in case of partial damage). Certain other documents may also be required in special cases.

What is the amount of cover provided under the plan?

The Prosthetic Limb insurance plan provides a cover of up to Rs. 30,000.

How much premium do I have to pay?

You have to pay a premium of Rs. 349 to avail of the Prosthetic Limb insurance.

Are there any other exclusions not covered under the policy?

Yes. Damage due to deliberate misuse, electrical or mechanical failure not arising out of an accident, or gradual wear and tear are not covered unless specified. For a complete list of exclusions please read the policy document.