A medical trip is a necessity for many patients who can benefit from the opinion of a medical expert. However, many patients find themselves struggling to meet the expenses incurred during such a trip.
FlexiCare Group Insurance Policy - Comprehensive Surgical Hospitalisation and Family Transport Cover from Manipal Cigna Health Insurance Co. Ltd. plan covers any expenses incurred during in, pre, and post-hospitalization and the traveling expenses of the policyholder and an immediate family member for a medical trip. There is also a hospitalization cover under this policy.
Sum insured up to (surgical hospitalization) |
Sum insured up to(follow up trip) |
Premium (including GST) |
Rs. 1 lakh |
Rs. 5,000 |
Rs. 2,074 |
Rs. 2 lakh |
Rs. 5,000 |
Rs. 2,389 |
Rs. 5 lakh |
Rs. 5,000 |
Rs. 3,539 |
Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken as on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
If during the policy year, the policyholder suffers an injury due to an accident caused by an event covered under the policy and directly results in hospitalization, the reasonable and customary charges will be paid. The payout is for hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.
The pre-hospitalization Medical Expenses will be paid immediately before the policyholder's date of hospitalization or daycare (if opted) up to the limits as specified in the policy schedule. The claim must be admissible under ‘surgical hospitalization cover,’ and the pre-hospitalization medical expenses are related to the same injury. The date of admission to the hospital for this coverage shall be the date of the policyholder's first admission in relation to any injury.
The post-hospitalization medical expenses will be paid post-discharge of the policyholder immediately from the hospital or daycare (if opted) up to the limits as specified in the policy schedule. The payout is eligible provided that a claim is admissible under ‘surgical hospitalization cover’ and the post-hospitalization medical expenses are related to the same injury.
The date of discharge from the hospital for this cover shall be the date of the policyholder's last discharge from the hospital concerning any one injury.
If during the policy year, the policyholder suffers an injury due to an accident, covered under the policy and needs hospitalization in a hospital situated at a distance of at least 100 kilometre from their actual place of residence and the attending medical practitioner recommends the personal attendance of an immediate family member, the sum insured will be paid as specified in the policy schedule. This payout is towards the transportation of any one immediate family member to the place of hospitalization of the policyholder.
Room Rent Caping
For SI, 1Lakh and 2 Lakhs, the room rent limit is capped at Rs. 2000 per day for a normal room and Rs. 4000 per day for ICU. For SI, 5 Lacs, the room rent is limited to a single private room and there is no limit for ICU.
Waiting Period
The initial waiting period for this cover is 30 days, whereas the waiting period for specific illness is 24 months.
Specified disease or procedure waiting period
Since the inception date of the cover, a waiting period specified in the policy schedule shall apply to all treatments. The following treatments, medical or surgical, for all medical expenses along with their complications, are not covered:
If these diseases are pre-existing diseases at the time of proposal or subsequently found to be pre-existing, the waiting periods mentioned in the policy schedule shall apply.
*For a complete list of exclusions, please refer to the policy wordings.
Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.
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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.
In case you have any queries about coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in.
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.