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Accidental Hospitalisation – including Non payable expenses

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A large number of Indian households struggle to meet with the hospitalization expenses incurred suddenly after an accident. An insurance policy that covers such events can come in handy in helping you financially. With FlexiCare Group Insurance Policy - Accidental Hospitalization – including Non-Medical or Non-payable expenses from Manipal Cigna Health Insurance, one can avail coverage for hospitalizations costs for in-patient, pre and post hospitalization and non-payable Items.

Plan Details

Sum Insured up to

Premium (Incl. GST)

Rs. 2 lakh

Rs. 1749

Rs. 4 lakh

Rs. 2149

Rs. 5 lakh

Rs. 2329

Eligibility: You are eligible for Accidental Hospitalization – including non-medical or non-payable expenses coverage between 18 and 50 years of age. The age at the time of application/claim is determined based on the last birthday.

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

What's Covered

  • Money-in-bank

    Accidental Hospitalization Benefit

    If the policyholder undergoes an injury due to an accident covered under the policy, which directly results in hospitalization, the sum insured will be paid in case of in-patient hospitalization. This sum is provided to avail medically necessary treatment of the policyholder. The injury must occur with the policy year. The date of hospitalization should be within the policy year. All medical expenses incurred for treatment, including the expenses incurred during the pre and post hospitalization period for 5 days are covered, such as:

  • Money-in-bank

    Hospitalization Expenses:

    Expenses up to Rs. 5 lakh if the diagnosis is supported by the clinical confirmation by an appropriate medical practitioner.

  • Money-in-bank

    Diagnostics test:

    Cost of conducting diagnostics test before (within the specified pre & post hospitalization period) or during the hospitalization period.

  • Money-in-bank

    Doctor’s Fees:

    The doctor’s consultation fees before, during and after hospitalization.

  • Money-in-bank


    Expenses towards purchase of medicines related to hospitalization.

What's not covered?

  • Any pre-existing disease
  • Hospitalizations with a duration of less than 24 hours.
  • Accidental hospitalization due to adventurous sports is not covered

*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 contacting the insurer in one of the following ways:

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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