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Accident Disability, Modification & Rehabilitation Cover Plan

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Unforeseen circumstances like accidents require access to urgent finances, especially due to the high out of pocket expenses involved in hospitalization. These expenses may dent your savings and derail your financial goals. However, you can get coverage against such risks with FlexiCare Group Insurance Policy - Accidental Complementary Treatment Cover with Hospitalization benefit from Manipal Cigna Health Insurance.This cover helps you in claiming expenses due to hospitalization after an accident, and also enables you to save the costs incurred on road ambulances.

Plan Details


Sum Insured up to

Accidental Hospitalization

Rs. 1 lakh

Complementary Treatment Cover

Rs. 25,000

Premium Including GST

Rs. 1034

Eligibility: You are eligible for the Accidental Complementary Treatment coverage between the age of 18 and 65 years. At the time of application/claim, the age is determined as per the age on last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    In-patient Hospitalization

    If the policyholder undergoes an accident due to an event that is covered under the policy and as a direct result needs to be hospitalized, the reasonable and customary charges will be paid. The injury must occur within the policy year. Reasonable and customary charges are paid following medical expenses for hospitalization to avail medically necessary treatment. The date of admission of hospitalization should be within the policy year.

    • Room charges up to the category or limit specified in the policy schedule or certificate of insurance
    • Charges for accommodation in ICU/CCU/HDU
    • Operation theatre cost
    • Medical practitioner’s fees
    • Specialist’s fee
    • Surgeon’s fee
    • Anesthetist’s fee
    • Radiologist’s fee
    • Pathologist’s fee
    • Assistant surgeon’s fee
    • Qualified nurses’ fee
    • Medication
    • Cost of diagnostic tests as an In-patient
    • Surgical appliance and medical appliance

    Suppose the policyholder gets admitted in a room where the room category or rent is higher than that specified in the policy schedule. In that case, the policyholder will bear a ratable proportion of the total associated medical expenses. These expenses include surcharge or taxes thereon and are in proportion to the difference between the rents of the eligible and actually incurred rooms unless specified otherwise.

    Artificial life maintenance will be covered. This includes 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 certified by the treating medical practitioner. The benefit is payable up to the limit as specified in the policy schedule or certificate of insurance.

  • Money-in-bank

    Accidental Pre Hospitalization (5 days)

    Pre-hospitalization medical expenses will be paid to cover expenses that are incurred immediately before the policyholder is hospitalized. The expenses are paid as per the limits as specified in the policy schedule or certificate of insurance. The claim should be admissible under ‘Accidental Hospitalization Cover.’ The pre-hospitalization medical expenses should be related to the same Injury. The date of admission to the hospital for this benefit will be the date of the first admission of the policyholder to the hospital for the Injury.

  • Money-in-bank

    Accidental Post Hospitalization (5 days)

    Post-hospitalization medical expenses are paid to cover the charges incurred post-discharge of the policyholder from the hospital immediately. These are paid up to the limits as specified in the policy schedule or certificate of insurance. The claim must be admissible under ‘Hospitalization Cover.’ The post-hospitalization medical expenses should be related to the same injury. The date of discharge from the hospital for this benefit will be the date of the last discharge of the policyholder from the hospital concerning the injury.

  • Money-in-bank

    Accidental Complementary Treatment Cover

    If the policyholder suffers an injury due to an accident caused by an event covered under the policy and incurs an injury as a direct impact, the reasonable and customary charges will be paid. The policyholder must undergo medically necessary treatment of the following line of treatments as prescribed by a medical practitioner and opted under the policy. The benefit is payable up to the limit as specified in the policy schedule or certificate of insurance.

  • Money-in-bank

    Complimentary Treatments as opted and specified in policy schedule or certificate of insurance:

    • Physiotherapy,
    • Acupuncture and Acupressure

What's not covered?

  1. Any pre-existing diseases
  2. Any accident except adventure sports

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

How to apply


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.

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

For queries related to 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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