ManipalCigna Health Insurance

ManipalCigna Health Insurance - Accidental Complementary Treatment Cover, starts at Rs. 69

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Coverage of Rs. 10,000, premium Rs. 69

    Sum insured up to Rs. 10,000 starting at Rs. 69 for six accidental complementary treatments.

  • Complementary treatments covered

    Covers physiotherapy, acupuncture and acupressure, chiropody and chiropractic, osteopathy, homeopathy, and ayurveda treatments.

  • End-to-end online process

    You can buy the policy online through our 100% digital and paperless process in just six steps.

  • No documents are required to buy the policy

    When buying the Accidental Complementary Treatment Cover, you need not present any documents at time of making the purchase.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Accidental Complementary Treatment Cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.

Eligibility criteria

  • Exclusively for Bajaj Finance customers
  • Nationality: Indian
  • Age: 18 - 65 years

Documents required

No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:

  • Name
  • Address
  • Email address
  • Mobile number

Step-by-step guide to buy this policy

  • Step 1

    Click on ‘Buy Now’ button on this page.

  • Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.

  • Step 6

    After the payment is successful, you can download the policy receipt instantly.

    Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.

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Policy details

Here’s a quick look at the policy details of Accidental Complementary Treatment Cover:

  • Premium of Rs. 69
  • Premium of Rs. 109
Policy details Description
Sum insured (in Rs.) 5,000
Premium including GST (in Rs.) 69
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 10,000
Premium including GST (in Rs.) 109
Policy tenure 1 year

Key inclusions and exclusions

Have a quick look at the inclusions and exclusions under the Accidental Complementary Treatment Cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Accidental complementary treatment If the insured person suffers an injury due to an accident and undergoes a medically necessary treatment prescribed by a medical practitioner, expenses
Inpatient, pre-and post-hospitalisation cover Covers treatment charges during inpatient hospitalisation and also for 5 days pre-and post-hospitalisation
Key exclusions Description
Any pre-existing diseases or disabilities No coverage for pre-existing medical illness or disabilities
Adventure sports Does not cover accidents due to adventure sports

How to claim

You can contact the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accidental Complementary Treatment Cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-102-4462 and claim the benefits

  • Documents required to claim

    Documents required to claim

    To claim the benefits of Accidental Complementary Treatment Cover, you need to present the following documents:
    1. Policy document received at the time of purchase
    2. Discharge summary
    3. Complete billing details in case of reimbursement
    4. Medical reports
    The network hospital directly shares the billing details with the insurance company and settles the bill before discharge

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

You can get treatment for which illnesses under the Accidental Complementary Treatment Cover?

You can get coverage for six treatments under this policy:
1. Physiotherapy
2. Acupuncture and Acupressure
3. Chiropody and Chiropractic
4. Osteopathy
5. Homeopathy
6. Ayurveda

What is the Accidental Complementary Treatment Cover?

If the insured person suffers an injury due to an accident caused by an event covered under the policy. In that case, the insurers will pay reasonable and customary charges for the medically necessary treatment if prescribed by a medical practitioner and opted under the policy.

What documents need to be submitted to buy the Manipal Cigna Accidental Complementary Treatment cover?

You need not submit any document while buying the Manipal Cigna Complementary Treatment Cover from Bajaj Finance. The application process is end-to-end digital, and you only need to fill in your basic details. You need to enter your name, email address, residential address, and registered mobile number.

What is the premium for the Accidental Complementary Treatment Cover by Manipal Cigna Health Insurance?

The policy is available in two variants:
1. Sum insured of up to Rs. 5,000 at an annual premium of Rs. 69.
2. Sum insured of up to Rs. 10,000 at an annual premium of Rs. 109.

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*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 ManipalCigna Health Insurance Co. Ltd. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under FlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. 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.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.