Accident Modification Allowance Cover Plan

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Unforeseen events like accidents can result in injuries and losses to one’s body, home or other assets. In the unfortunate case of disabilities due to accidents, one may require a financial cushion to accommodate the injury, or even to modify one’s home or vehicle. Get adequate financial protection against these risks, with the right insurance policy.
FlexiCare Group Insurance Policy -Accident Modification Allowance Cover from Manipal Cigna Health Insurance offers coverage for lifestyle modification, in case of personal accidents and pre and post-patient hospitalization cover due to injuries caused in an accident.

Plan Details


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. 954

Rs. 1,174

Rs. 1,269

Eligibility: You are eligible for Accident Modification Allowance 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.

What's Covered

  • Money-in-bank

    In-patient Hospitalization

    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 reasonable and customary charges will be paid. The payout is for hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.

    1. Room charges up to the category specified in the policy schedule
    2. Charges for accommodation in ICU/CCU/HDU
    3. Operation theatre cost
    4. Medical practitioner’s fees
    5. Specialist’s fee 
    6. Surgeon’s fee
    7.  Anesthetist’s fee
    8. Radiologist’s fee
    9. Pathologist’s fee
    10. Assistant surgeon’s fee
    11. Qualified nurses’ fee
    12. Medication
    13. Cost of diagnostic tests as an in-patient
    14. Surgical appliance or medical appliance

    If the policyholder is admitted in a room where the room rent incurred is higher than 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.

  • Money-in-bank

    Accidental Pre-Hospitalization (5 days)

    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.

  • Money-in-bank

    Accidental Post Hospitalization (5 days)

    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.

  • Money-in-bank

    Accidental Modification Allowance

    >If the policyholder suffers an injury during the policy year due to an accident caused by an event covered under the policy directly results in the permanent total disablement or permanent partial disablement of the policyholder within 365 days. If the policyholder is disabled to the extent that necessarily requires them to modify their vehicle or make modifications in their house to adjust to the disablement, the sum insured will be paid as specified in the policy schedule.

What is Not Covered / Exclusions

  1. Any pre-existing disease.
  2. Hospitalization for less than 48 hours.
  3. Coverage for more than 1 hospitalizations within a policy year.
  4. Treatment for accidents caused due to adventure sports.

*For a complete list of exclusions, please refer to the policy wordings.

How to Apply

Click on ‘Apply Now’ button 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

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email:
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at

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.

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