ManipalCigna Health Insurance

ManipalCigna Health Insurance - Accidental Hospitalisation (Common Carrier) cover starts at Rs. 184

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 up to Rs. 3 lakh, premium starts at Rs. 184

    Choose from three premium slabs to get coverage that fits your requirement. Coverage of Rs. 3 lakh at Rs. 219, Rs. 2 lakh at Rs. 199 and Rs. 1 lakh at Rs. 184.

  • Hospitalisation cost cover

    Covers hospital, diagnostic tests, and pre-and post-hospitalisation expenses in case of an accidental injury occurred while travelling in flight/bus/train/rented cab/bike/ship/cruise.

  • Treatment expenses cover

    Treatment expenses cover also includes doctor’s fees, medication expenses, room rents, and ICU, and blood transfusion.

  • End-to-end online process

    Buy the plan online without any paperwork and hassle-free in just a few steps. Make the payment through your preferred online modes.

  • No documents are required to buy the policy

    When buying Accidental Hospitalisation (Common Carrier) cover, you do not need to present any documents at the time of making the purchase.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Accidental Hospitalisation (Common Carrier) 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
  •  Phone number

Step-by-step guide to buy this policy

  • Step 1

    Click on the ‘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.

    You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchasing the policy.

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Policy details

Here’s a quick look at the policy details of Accidental Hospitalisation (Common Carrier) cover:

  • Premium at Rs. 184
  • Premium at Rs. 199
  • Premium of Rs. 219
Policy details Description
Sum insured (in Rs.) 1 lakh
Premium Including GST (in Rs.) 184
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 2 lakh
Premium including GST (in Rs.) 199
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 3 lakh
Premium including GST (in Rs.) 219
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions under Accidental Hospitalisation (Common Carrier) cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Pre-hospitalisation expenses Up to 10 days
Hospitalisation Treatment expenses during hospitalisation, includes hospital room rent, ICU, blood transfusion, doctor’s fees, medicines and tests.
Post-hospitalisation Up to 10 days
Key exclusions Description
Specific procedures Any expenses arising from dental and orthodontic treatment, dentures, cosmetic or plastic surgery
Non-prescription Any dietary supplements and substances not prescribed as per hospitalisation
Rehabilitation Expenses for rest cure, rehabilitation and respite care

How to claim

You can reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of Accidental Hospitalisation (Common Carrier) 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 Hospitalisation (Common Carrier) 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
    In case of cashless treatment, the billing details are directly shared with the insurance company by the network hospital and settled 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

What is the Accidental Hospitalisation (Common Carrier) cover?

This insurance policy provides essential financial support to help insured persons access urgent medical hospitalisation in case of an accident while they are traveling via flight, bus, train, rented cab, rented bike or ship.

What is covered under this policy?

This policy protects against the risks of unforeseen accidents which can happen any time and can be particularly difficult if it’s while travelling. The policy covers expenses up to the sum insured in the case the insured person undergoes any accidental hospitalisation while traveling. It includes all medical expenses pre-and post-hospitalisation, and during hospitalisation as detailed under the policy document. This includes diagnostic tests, room charges, medication costs, ICU costs, doctor’s fee and more.

What is the claims process for Accidental Hospitalisation (Common Carrier) cover?

Policyholders can easily file their claims to the insurer by writing to or calling on the toll-free number 1800-102-4462.

What is the policy tenure?

This insurance policy has a policy tenure of 1 year.

What are the limitations of pre- and post-hospitalisation cover?

Under this policy, insured persons are covered against any expenses during pre- and post-hospitalisation for up to 10 days. The full details of all exclusions are included in the policy document.

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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.