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Treatment of injuries as a result of an accident can be expensive and sometimes the financial burden is too high to manage. With FlexiCare Group Insurance Policy – Accidental Hospitalization (Common Carrier) from Manipal Cigna Health Insurance, one can avail coverage up to Rs. 3 lakh for hospitalization an accident happens while traveling via flight, bus, train, rented cab, rented bike, ship/cruise.
Plan Details
|
Coverage |
Sum Insured Options (Rs.) |
||
|
Accidental Hospitalization Cover - In-patient Hospitalization |
1,00,000 |
2,00,000 |
3,00,000 |
|
Accidental Pre Hospitalization - 10 Days |
|||
|
Accidental Post Hospitalization - 10 Days |
|||
|
Premium Amount Including GST (Rs.) |
184 |
199 |
219 |
Eligibility: Individuals between the age of 18 years and 65 years can purchase this policy.
Plan validity: The plan is valid for a period of 1 year.
What's Covered
What's Covered
-
Accidental Hospitalisation Cover
If during the Policy Year, the Insured Person suffers an Injury due to an Accident, caused by an event/ peril specified while traveling via, flight, bus, train, rented cab, rented bike, ship/cruise and directly results in the Hospitalisation of the Insured Person, the insured will be paid reasonable and Customary Charges for the following Medical Expenses.
-
Accidental Pre-Hospitalization
The insured will be paid Pre-hospitalisation Medical Expenses of an Insured Person which are incurred immediately prior to the Insured Person’s date of Hospitalisation or Day Care Treatment (if opted) up to the limits as specified in the Policy Schedule/ Certificate of Insurance, provided that a claim is admissible under ‘Accidental Hospitalisation Cover’ and the Pre-hospitalisation Medical Expenses are related to the same Injury.
-
Accidental Post Hospitalization
The insured will be paid Post-hospitalization Medical Expenses of an Insured Person which are incurred immediately post discharge of the Insured Person from the Hospital or Day Care Treatment (if opted) up to the limits as specified in the Policy Schedule/ Certificate of Insurance, provided that a claim is admissible under ‘Hospitalization Cover’ and the Post-hospitalization Medical Expenses are related to the same Injury.
-
Diagnostics tests
The cost of conducting diagnostics tests before (within the specified pre-hospitalization period) or during the hospitalization period is covered under the plan.
-
Doctor’s Fees
Coverage for doctor’s fee can be availed before, during and after hospitalization.
-
Expenses on medication
Expenses towards purchase of medicines related to hospitalization are covered under the plan.
-
Treatment Charges
Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines and tests.
What's not covered?
2) Dental Treatment, orthodontic treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 48 hours Hospitalisation.
3) Dietary supplements and substances that can be purchased without prescription, unless prescribed by a Medical Practitioner as part of hospitalisation claim.
4) Rest Cure, rehabilitation and respite care - Expenses related to any admission primarily for enforced bed rest and not for receiving treatment
5) Unproven Treatments
6) Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
7) Breach of law
8) Treatments received in heath hydro’s, 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
9) Prostheses, corrective devices and and/or Medical Appliances, which are not required intra-operatively for the Illness/ Injury
10) Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident
11) Treatment received outside India
12) Any form of Alternative Treatment
13) Non-Medical Items (List forms a part of Terms & Condition)
Non-Payable Items
|
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 |
For list of exclusions, please refer to the policy wordings.
How to apply for domestic travel insurance online
1
Click on the ‘Buy Now’ button on this page 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.
Claim process
- Email: servicesupport@manipalcigna.com
- Toll-free number: 1800-102-4462
Contact us
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.”