Coverage of up to Rs. 3 Lakhs | Buy Vehicle Modification Cover at just Rs. 307 BUY NOW

What is Vehicle Modification Insurance?

In an unfortunate event that you are involved in a motor accident, you may suffer serious physical injuries that can lead to temporary or permanent disabilities. These disabilities may hamper your mobili ty and force you to make some vehicle modifications in order to move around. To take care of a situation like this, Care Health Insurance Co. Ltd. has introduced the Group Care 360 - Vehicle Modification insurance plan. This Vehicle Modification Insurance plan provides compensation for permanent total disablement up to ₹10,000 and vehicle modification expenses up to ₹10,000. Let’s take a closer look at the features and benefits of Vehicle Modification Insurance. 

Key Features of the Vehicle Modification Insurance

Here are the main benefits that the Vehicle Modification Insurance plan has to offer: 

Provides Coverage for Permanent Disability

If you/the insured suffers from an accident that leads to permanent total disability, you will be provided with financial coverage. The financial coverage will be a percentage of the sum insured based on the extent of the physical disability.

Provides Coverage for Vehicle Modification

In the event that you end up with a permanent disability and need to make modifications to your vehicle, this plan will also provide financial cover for that.

How to Apply for Vehicle Modification Insurance?

You can buy the Vehicle Modification Insurance in just a few minutes on the Bajaj MARKETS website:

  • Click on ‘Buy Now’

    Visit the product page and click on the ‘Buy Now’ option.

  • Enter Your Details

    Enter your personal details and other required information on the form available on the product page.

  • Pay the Online Premiums

    Pay the online insurance premiums for your chosen insurance plan online.


Your Vehicle Modification Insurance will be activated and details will be sent to your email. 

Eligibility Criteria 

The following basic eligibility criteria will apply for purchasing the Vehicle Insurance plan: 


  • The age of the applicant must be 18 years or above. 

  • As this is a group insurance plan, the insured must be part of the group that their employer has purchased insurance for. 

What’s Covered Under the Vehicle Modification Plan?

  • Total and Permanent Disablement

    If an incident occurs during the coverage duration that results in the insured member's permanent complete disablement within 12 months of the date of the accident, then the insured would be eligible for a financial cover of up to ₹10,000.

  • Modification of the Vehicle

    The insured will be reimbursed for the fair and required modifications made to their vehicle during the cover year in order to facilitate their everyday activities. The maximum coverage provided for modification would be ₹10,000.

Vehicle Modification Insurance Policy Details 

If you wish to understand the specifications of the policy in detail, you can take a look at the table given below: 

Name of the Policy 

Cost of Premiums 

Coverage for Total Disability 

Coverage for Vehicle Modification 


Group Care 360 - Vehicle Modification Insurance 








View Plan 

In order to understand exactly how much coverage will be offered under total disability under different situations, take a look at the table below: 

Insured Events Under the Policy

Amount Payable = % of the Sum Insured


Total and irrecoverable loss of sight of both eyes. The actual loss by physical separation of both hands or both feet, or one entire hand and one entire foot. The total and irrecoverable loss of sight of one eye and of one entire hand or one entire foot. 



Total and irrecoverable loss of:

 (a) use of two hands or two feet, or

 (b) one hand and one foot, or

 (c) sight of one eye and use of one hand or one foot.



Total and irrecoverable loss of sight of one eye. T

The loss of one entire hand or one entire foot.


Total and irrecoverable loss of use of a hand or a foot without physical separation.


Paraplegia or Quadriplegia or Hemiplegia


What’s Not Covered Under the Vehicle Modification Insurance?

The following are the situations not covered under the Vehicle Modification Insurance:


  • The modifications are implemented solely for the interest of the insured member and no other party. 

  • The expenditures do not include regular wear and tear repairs, renovations, or improvisations to the current setup of the vehicle. 

How to Make a Claim for the Vehicle Modification Insurance? 

You can file a claim by contacting the insurance company in one of the following ways:


  • is the e-mail address to be used for communication.

  • Call on 1800-102-4488 which is a toll-free number.

Once you receive the claim form, fill it up with the correct details and attach the required documents such as medical bills, and doctor’s reports before submitting the claim application.

Customer Care Details

You can connect with us at Bajaj MARKETS for any queries. Just email us at:

Vehicle Modification Insurance - FAQs

What is the premium cost of the Vehicle Modification Insurance?

The cost of the vehicle insurance premium for this plan is ₹212. 

What is the duration of coverage offered by the Vehicle Modification Insurance?

The Vehicle Modification Insurance plan provides coverage for a period of 1 year from the date of activation of the policy. 

How much coverage does this plan provide for permanent disability?

 The plan provides a maximum sum insured of ₹10,000 for total and permanent disability. 

How much vehicle insurance coverage does the plan provide for vehicle modifications?

The plan provides maximum coverage of ₹10,000 for vehicle modifications for the insured. 

Can I buy the Vehicle Modification Insurance plan online?

Yes, you can buy the plan in just a few simple steps on Bajaj MARKETS by entering your details and paying the premiums for the policy. 

Loan Offer
Download App