Accidents can occur at any time without warning, and the costs associated with treatment can have a huge financial impact. This can be even worse if one suffers from any kind of impairment, which may affect one’s earning capacity. In order to be better financially prepared during such exigencies, it is best to have an insurance policy in place. FlexiCare Group Insurance Policy - Comprehensive Rehabilitation Indemnity Cover from Manipal Cigna Health Insurance Ltd. helps you reduce the burden of expenses in case of a medical emergency by providing coverage against counselling fees, specialist consultation and extended physiotherapy for rehabilitation.
Plan Details
|
Sum Insured |
Premium Including GST |
|
Rs. 5,000 |
Rs. 179 |
Eligibility: You are eligible for the Comprehensive Rehabilitation Indemnity Cover between the age of 18 and 65 years. The age is determined based on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
What's covered
-
Accidental Rehabilitation Cover
If during the Policy Year, the Insured Person suffers an Illness/ Injury due to an accident, caused by an event/ peril covered under the policy and as a solo and direct impact of the Illness/ Injury, the Insured Person is necessarily required to avail consultation and/or counselling at a recognised rehabilitation unit, the Medical Expenses will be paid up to the limit as specified in the Policy Schedule / Certificate of Insurance towards the Reasonable and Customary Charges for counselling fees, specialist consultation and extended physiotherapy for rehabilitation. The benefit is payable subject to be Medically Necessary and recommended by the treating Medical Practitioner.
Initial Waiting Period
Specific Illness Waiting Period
30 days
24 Months
Specified disease/procedure Waiting period
A Waiting Period, since the Inception Date of the cover, specified in the Policy Schedule/Certificate of Insurance shall apply to any treatments, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards:
a) Cataract.
b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids.
c) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal.
d) Varicose Veins and Varicose Ulcers.
e) Stones in the urinary urogenital and biliary systems including calculus diseases.
f) Benign Prostate Hypertrophy, all types of Hydrocele.
g) Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and an abscess related to the anal region.
h) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.
i) Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumours/skin tumours, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases.
j) Any Surgery of the genito-urinary system unless necessitated by malignancy.
If these diseases are Pre-Existing Diseases at the time of proposal or subsequently found to be Pre-Existing Diseases, the Pre-Existing Disease Waiting Periods as mentioned in the Policy Schedule/ Certificate of Insurance shall apply.
What’s not covered
- Insured is applicable to claim under this policy only after hospitalization of 48 hrs, as cover eligibility is after continuous hospitalization of 48 Hrs
- Can only be claimed once in a policy year
- Except for hospitalization expenses, no other expenses will be covered.
*For a full 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
- Insurer’s Email: servicesupport@manipalcigna.com
- Insurer’s Toll free number: 1800-102-4462
Contact Us
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 ManipalCignaFlexiCare 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.