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.
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 |
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Accidental Post Hospitalization - 10 Days |
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Premium Amount Including GST (Rs.) |
184 |
199 |
219 |
What's Covered
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.
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.
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.
The cost of conducting diagnostics tests before (within the specified pre-hospitalization period) or during the hospitalization period is covered under the plan.
Coverage for doctor’s fee can be availed before, during and after hospitalization.
Expenses towards purchase of medicines related to hospitalization are covered under the plan.
Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines and tests.
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 |
1
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2
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3
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
4
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