ManipalCigna Health Insurance

ManipalCigna Health Insurance - Accidental Hospitalisation (Personal Vehicle) starting at Rs. 379

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

  • Sum insured up to Rs. 3 lakh, premium Rs. 379

    Sum insured up to Rs. 3 lakh, premium Rs. 379

    Get coverage for hospitalisation expenses in case of accidents/injuries while travelling in your private vehicle at premium starting from Rs. 379.

  • Hospitalisation expenses coverage

    Hospitalisation expenses coverage

    This policy covers medical expenses incurred during hospitalisation, and also covers pre-and post-hospitalisation period up to 10 days each.

  • Coverage for diagnostic tests and medication

    Coverage for diagnostic tests and medication

    Get coverage for the cost of diagnostic tests and medication taken during the hospitalisation period.

  • End-to-end online process

    End-to-end online process

    You can easily buy the policy through our 100% digital and paperless process.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy Accidental Hospitalisation (Personal Vehicle) 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 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.

    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 Hospitalisation (Personal Vehicle) Cover:

  • Premium at Rs. 379
  • Premium at Rs. 409
  • Premium at Rs. 459
Policy details Description
Sum insured (in Rs.) 1 lakh
Premium including GST (in Rs.) 379
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 2 lakh
Premium including GST (in Rs.) 409
Policy tenure 1 year
Policy details Description
Sum insured (in Rs.) 3 lakh
Premium including GST (in Rs.) 459
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the inclusions and exclusions under the Accidental Hospitalisation (Personal Vehicle) Cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Accidental Hospitalisation Expenses Cover Any injury due to an accident covered under the policy, which results in hospitalisation while travelling in personal vehicle
Diagnostics test Cost of conducting diagnostics tests pre- and post-hospitalisation period, or during hospitalisation
Treatment charges Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines, and tests
Doctor’s fees Expenses towards purchase of medicines related to hospitalisation are covered under the plan
Key exclusions Description
Any pre-existing disease No coverage for pre-existing medical illness
Adventure sports Accidental hospitalisation due to adventure sports

How to claim

You can contact the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accidental Hospitalisation (Personal Vehicle) 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 (Personal Vehicle), 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 network hospital shares the billing details directly with the insurance company and settles all the claim

  • 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 coverage does the Accidental Hospitalisation (Personal Vehicle) Cover provide?

The ManipalCigna Accidental Hospitalisation (Personal Vehicle) policy covers hospitalisation expenses that may arise due to accidents while travelling in private vehicles leading to hospitalisation. The doctor’s fees, diagnostic test charges, medication, and treatment charges borne during the hospitalisation are covered under this policy.

What is the premium for the Accidental Hospitalisation (Personal Vehicle) Cover?

The policy is available in three variants:
1. Annual premium of Rs. 379 for a sum insured of up to Rs. 1 lakh
2. Annual premium of Rs. 409 for a sum insured of up to Rs. 2 lakh
3. Annual premium of Rs. 459 for a sum insured of up to Rs. 3 lakh

What are the eligibility criteria for buying this cover?

Any existing Bajaj Finance customer, who is an Indian national between the age of 18 and 65 years, can buy this policy.

Is a doctor’s consultation covered under ManipalCigna Accidental Hospitalisation (Personal Vehicle) Cover?

The doctor’s consultation conducted before, during, and after hospitalisation is covered under the policy.

What is the coverage duration for post-hospitalisation expenses?

This policy covers post-hospitalisation expenses for a period of up to 10 days.

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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 Manipal Cigna 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 with Manipal 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.