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Accidental Hospitalisation (including adventure sports)

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Adventure sports are packed with challenging activities that involve extreme risks. Covering oneself against these risks keeps one a step ahead and ensures adequate fund availability at the time of need.
To be prepared for such uncertain times, Bajaj Finserv brings to you FlexiCare Group Insurance Policy – Accidental Hospitalization (Including Adventure Sports) from Manipal Cigna Health Insurance. The coverage comes with a no waiting period offer and provides accidental hospitalisation including adventure sports benefit for sum insured up to Rs. 3 lakh.

Plan Details

Premium Amount Including GST (Rs.) Sum Insured Options (in Rs.)
Rs. 384 Rs. 1 lakh
Rs. 509 Rs. 2 lakh
Rs. 569 Rs. 3 lakh
Eligibility criteria: Person between the age group of 18 and 65 years. Age will be considered as on last birthday. Policy/Cover tenor will be 1 year.

What's Covered

What's Covered

  • Money-in-bank

    Hospitalisation Expenses

    All medical expenses incurred for accidental hospitalisation treatment, including pre and post hospitalisation period for 10 days will be covered in the plan. The claim for the sum insured will be valid if the diagnosis is supported by the clinical confirmation by an appropriate consultant.

  • Money-in-bank

    Diagnostics test

    Diagnostics test expenditure before (within the specified pre-hospitalisation period) or during the hospitalisation period is covered under this plan.

  • Money-in-bank

    Doctor’s Fees

    The plan covers the cost of the doctor’s fees before, during and after hospitalisation.

  • Money-in-bank

    Medication

    Medicines purchased related to hospitalisation are covered under the plan.

  • Money-in-bank

    Treatment Charges

    Hospital room rent, ICU, blood transfusion, doctor’s fees, medicines and tests charges are included in the coverage.

Here is the list of exclusions.
Investigation and evaluation.
  • Dental treatment, orthodontic treatment, dentures or surgery of any kind unless necessitated due to an accident and requiring minimum 48 hours hospitalisation.
  • Dietary supplements and substances that can be purchased without prescription, unless prescribed by a medical practitioner as part of hospitalisation claim.
  • Rest cure, rehabilitation and respite care - expenses related to any admission primarily for enforced bed rest and not for receiving treatment.
  • Unproven treatments.
  • Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
  • Breach of law.
  • Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
  • Prostheses, corrective devices and and/or medical appliances, which are not required intra-operatively for the illness/ injury.
  • Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident.
  • Treatment received outside India.
  • Any form of alternative treatment.
  • Non-medical items (list forms a part of terms & condition).

    • For list of exclusions, please refer to the policy wordings.

    List of non-payable expenses

    1. Baby food

    35. Oxygen cyltnder (for usage outstde the hospital)

    2. Baby utilities charges

    36. Spacer

    3. Beauty services

    37. Spirometre

    4. Belts/ braces

    38. Nebulizer kit

    5. Buds

    39. Steam inhaler

    6. Cold pack/hot pack

    40. Armsling

    7. Carry bags

    41. Thermometer

    8. Email / internet charges

    42. Cervical collar

    9. Food charges (other than patient’s diet provided by hospital)

    43. Splint

    10. Leggings

    44. Diabetic foot wear

    11. Laundry charges

    45. Knee braces (long/ short/ htnged)

    12. Mineral water

    46. Knee immobilizer/ shoulder immobilizer

    13. Sanitary pad

    47. Lumbo sacral belt

    14. Telephone charges

    48. Nimbus bed or water or air bed charges

    15. Guest services

    49. Ambulance collar

    16. Crepe bandage

    50. Ambulance equipment

    17. Diaper of any type

    51. Abdominal binder

    18. Eyelet collar

    52. Private nurses charges- special nursing charges

    19. Slings

    53. Sugar free tablets

    20. Blood grouping and cross matching of donors samples

    54. Creams powders lotions (toiletries are not payable, only prescribed medical pharmaceuticals payable)

    21. Service charges where nursing charge also charged

    55. Ecg electrodes

    22. Television charges

    56. Gloves

    23. Surcharges

    57. Nebulisation kit

    24. Attendant charges

    58. Any kit with no details mentioned [delivery kit, orthokit, recovery kit, etc]

    25. Extra diet of patient (other than that which forms part of bed charge)

    59. Kidney tray

    26. Birth certificate

    60. Mask

    27. Certificate charges

    61. Ounce glass

    28. Courier charges

    62. Oxygen mask

    29. Conveyance charges

    63. Pelvic traction belt

    30. Medical certificate

    64. Pan can

    31. Medical records

    65. Trolly cover

    32. Photocopies charges

    66. Urometer, urine jug

    33. Mortuary charges

    67. Ambulance

    34. Walking aids charges

    68. Vasofix safety

    How to Apply

    1

    Click on ‘Apply Now’ button and share your basic details in the online application form.

    2

    Check and confirm your application by entering the OTP received on your mobile number.

    3

    Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

    4

    You will receive the details of your membership via email/whatsapp.

    Claim process

    You can raise a claim by reaching out via one of the following ways:

    • Insurer’s E-mail – servicesupport@manipalcigna.com
    • Insurer’s Toll free number – 1800-102-4462

    Contact Us

    In case you have any queries related to coverage, exclusions, or claims, please write to us at pocketservices@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 ManipalCigna FlexiCare 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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