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Accidental Hospitalisation & Family Transportation Allowance Cover

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In case of hospitalization due to an accident, having an immediate family member to support the patient as per the recommendation of a medical practitioner can help the patient greatly. It can even result in the speedy recovery of the patient. However, the traveling expenses to the hospital can seem like a financial burden, especially if the hospital is far away.
FlexiCare Group Insurance Policy - Accidental Hospitalisation and Family Transportation Allowance Cover from Manipal Cigna Health Insurance Co. Ltd. covers expenses incurred during in, pre, and post-hospitalization as well as the traveling expenses of an immediate family member to the hospital. There is also a hospitalization cover under this product.

Plan Details


Sum insured up to

Accidental hospitalization

Rs. 1 lakh

Family transportation allowance cover

Rs. 2,500

Premium (including GST)

Rs. 859

Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken 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 Hospitalisation

    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. Anaesthetist’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 that which 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.

  • Money-in-bank

    Accidental Pre-hospitalization

    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 cover shall be the date of the policyholder's first admission in relation to any injury.

  • Money-in-bank

    Accidental Post-hospitalization

    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 ‘accidental hospitalization cover’ and the post-hospitalization medical expenses are related to the same injury. 

    The date of discharge from the hospital for this coverage shall be the date of the policyholder's last discharge from the hospital concerning any one injury.

  • Money-in-bank

    Accident Family Transportation

    If during the policy year, the policyholder suffers an injury due to an accident, covered under the policy and needs hospitalization in a hospital situated at a distance of at least 100 kilometre from their actual place of residence and the attending medical practitioner recommends the personal attendance of an immediate family member, the sum insured will be paid as specified in the policy schedule. This payout is towards the transportation of any one immediate family member to the place of hospitalization of the policyholder.

What is Not Covered / Exclusions

  • Medical treatment for any pre-existing diseases
  •  Hospitalization for less than 48 hours
  • Cover is not eligible for rooms other than single private rooms
  • Cover is not eligible for members other than person’s immediate family members including spouse, parents and children of ages 18 years and above

*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

To raise a claim for your policy, you can contact the insurer via one of the following ways:

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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