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
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Type of cover |
Selection Mandatory |
Sum Insured up to |
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Options |
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Accidental Hospitalization Cover |
In-patient Hospitalization Day Care |
Rs. 2 lakh |
Rs. 4 lakh |
Rs. 5 lakh |
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Accidental Pre-Hospitalization |
5 days |
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Accidental Post-Hospitalization |
5 days |
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Accident Modification Allowance Cover |
NA |
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Accident Medical Appliances Cover |
NA |
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Premium Including GST |
Rs. 1839 |
Rs. 2259 |
Rs. 2464 |
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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
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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.
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Diagnostics test
Costs of conducting diagnostics tests before (within the specified pre or post-hospitalization period) or during the hospitalization period.
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Doctor’s Fees
The doctor’s consultation fees during the pre and post-hospitalization are covered.
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Medication
Expenses for medicines that need to be purchased during, pre and post-hospitalization are covered.
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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.
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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.
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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:
- Insurer's E-mail - healthinsurance@adityabirlacapital.com
- Insurer's Toll-free number 1800-270-7000
In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.
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.”