Medical treatments may sometimes warrant the usage of state-of-art equipment or appliances, which may be recommended by medical practitioners. However, such medical appliances can be very expensive, and one can avoid incurring such high expenses by opting for a suitable insurance policy to get covered against such expenses.
To help cover these unforeseen expenses of medical appliances along with those incurred
during pre, post and in-patient hospitalizations, Bajaj Finance brings you FlexiCare Group
Insurance Policy Accident - Medical Appliance Cover from Manipal Cigna Health Insurance
Co. Ltd.
Coverage |
Sum Insured up to |
||
Rs. 2 lakh |
Rs. 4 lakh |
Rs. 5 lakh |
|
In-patient hospitalization |
|||
Accidental pre-hospitalization |
|||
Accidental post-hospitalization |
|||
Accident medical appliances cover |
Rs. 10,000 |
||
Premium including GST |
Rs. 1,009 |
Rs. 1,234 |
Rs. 1,339 |
Eligibility: You are eligible for Accident - Medical Appliance Cover if you are between 18 and 65 years of age, as on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
If during the policy year, the policyholder suffers an injury due to an accident caused by an event covered under the policy and directly results in hospitalization, the expenses covered in the policy are reimbursed, as per the limits specified. The payout is for hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.
If the policyholder is admitted in a room where the room rent incurred is higher than that what is specified in the policy schedule, then the policyholder shall bear a ratable proportion of the total associated medical expenses (including surcharge or taxes thereon). The expenses should be in proportion to the difference between the room rent of the entitled or eligible room rent to the room rent actually incurred unless specified otherwise.
Artificial life maintenance will be covered, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health under any circumstances unless in a vegetative state as certified by the treating medical practitioner.
Daycare will be covered under the benefit if opted and specified under the policy schedule.
The benefit is payable up to the limit as specified in the policy schedule.
The pre-hospitalization Medical Expenses will be paid immediately before the policyholder's date of hospitalization or daycare (if opted) up to the limits, as specified in the policy schedule. The claim must be admissible under ‘accidental hospitalization cover,’ and the pre-hospitalization medical expenses are related to the same injury. The date of admission to the hospital for this benefit shall be the date of the policyholder's first admission in relation to any injury.
The post-hospitalization medical expenses will be paid post-discharge of the policyholder immediately from the hospital or daycare (if opted) up to the limits as specified in the policy schedule. The payout is eligible provided that a claim is admissible under ‘hospitalization cover’ and the post-hospitalization medical expenses are related to the same injury.
The date of discharge from the hospital for this benefit shall be the date of the policyholder's last discharge from the hospital concerning any one injury.
If the policyholder suffers an injury due to an accident caused by an event covered under the policy and results in the policyholder requiring a medical practitioner to use asthma pumps, blood glucose monitors, surgical stockings, CPAP devices, hearing aids, spinal supports, knee braces, crutches, wheelchair, walker, walking stick, nebulizer, catheter, thermometer, BP monitor, infusion pump, digital fetal monitor or to conduct the daily activities through the artificial limb, prosthetic device. The actual costs will be paid for such external aids and appliances up to the limit specified in the policy schedule.
Treatment charges include the hospital room rent, ICU charges, transfusion charges, doctor's consultation fees, expenses of purchasing medicines, and charges of conducting diagnostic tests.
*For a complete list of exclusions, please refer to the policy wordings.
Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.
Check and confirm your application by entering the OTP received on your mobile number.
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
You will receive the details of your membership via email/WhatsApp.
For queries related to coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in
Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.