Accidental Hospitalization/Modification allowance/Medical Appliance Cover

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Events like hospitalization due to accidents can happen to anyone. With the expenses of the healthcare industry rising each year, it can get tricky for families to afford the costs of medical appliances and modifications needed in such times.
Bajaj Finance brings you FlexiCare Group Insurance Policy Accident Cover from Manipal Cigna Health Insurance, which covers accidental hospitalization, accident modification allowance, and accident medical appliances.

Plan Details

Type of cover

Selection Mandatory

Sum Insured up to


Accidental Hospitalization Cover

In-patient Hospitalization Day Care

Rs. 2 lakh

Rs. 4 lakh

Rs. 5 lakh

Accidental Pre-Hospitalization

5 days

Accidental Post-Hospitalization

5 days

Accident Modification Allowance Cover


Accident Medical Appliances Cover


Premium Including GST 

Rs. 1839

Rs. 2259

Rs. 2464

Eligibility: You are eligible for Accidental Hospitalization, Modification allowance cover, Medical Appliance cover if you are between 18 and 65 years of age, as on the last birthday.

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

What's Covered

  • Money-in-bank

    Accidental Hospitalization Expenses

    All medical expenses incurred for accidental hospitalization, including the pre and post-hospitalization charges for 5 days.With this plan, expenses up to Rs. 5 lakh for accidental hospitalization are covered, provided the diagnosis is supported by the clinical confirmation by an appropriate specialist doctor.

  • Money-in-bank

    Diagnostics test

    Costs of conducting diagnostics tests before (within the specified pre or post-hospitalization period) or during the hospitalization period.

  • Money-in-bank

    Doctor’s Fees

    The doctor’s consultation fees during the pre and post-hospitalization are covered.

  • Money-in-bank


    Expenses for medicines that need to be purchased during, pre and post-hospitalization are covered.

  • Money-in-bank

    Treatment Charges

    Treatment charges include the hospital room rent, ICU charges, transfusion charges, doctor's consultation fees, expenses of purchasing medicines, and charges of conducting diagnostic tests.

  • Money-in-bank

    Accident Modification Allowance Cover

    If the policyholder suffers from personal total disablement or personal partial disablement due to accidental injury and needs to modify their vehicle or house to adjust to the disablement, a payout is eligible as per the limits specified in the policy schedule.

  • Money-in-bank

    Accident Medical Appliances Cover

    If the policyholder is advised to use asthma pumps, blood glucose monitors, surgical stockings, CPAP devices, hearing aids, spinal supports, knee braces, walker, walking stick, nebulizer, catheter, thermometer, BP monitor, infusion pump, digital fetal monitor, wheelchair, crutches or needs to conduct daily activities through artificial limb or prosthetic device as advised by a medical practitioner, the sum insured will be paid. The sum insured is payable as specified in the policy schedule.

What's not covered?

Any surgery required because of an accident due to adventure sports is not covered under this policy

*For a complete list of exclusions, please refer to the policy wordings.

How to Apply

Click on ‘Apply Now’ button 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 reaching out to the insurer via one of the following ways:

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 Aditya Birla Health Insurance Co. Ltd.Group Activ Health Policy, UIN: ADIHLGP21134V022021. Please refer insurer's website for Policy Wordings. 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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