ManipalCigna Health Insurance - Accidental Hospitalisation (Personal Vehicle) starting at Rs. 379
Key features
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
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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.
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Hospitalisation expenses coverage
This policy covers medical expenses incurred during hospitalisation, and also covers pre-and post-hospitalisation period up to 10 days each.
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Coverage for diagnostic tests and medication
Get coverage for the cost of diagnostic tests and medication taken during the hospitalisation period.
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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
- Phone number
Step-by-step guide to buy this policy
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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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.
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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.
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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.
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 |
| 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 exclusion | Description |
|---|---|
| Any pre-existing disease | No pre-existing medical illness is covered |
| Adventure Sports | Accidental hospitalisation due to adventure sports |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of the Accidental Hospitalisation (Personal Vehicle) Cover by email or phone:
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Insurer’s email address
Share your policy document and medical reports at servicesupport@manipalcigna.com
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-102-4462 and claim the benefits.
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Documents required to claim
To claim the benefits of Accidental Hospitalisation (Personal Vehicle) 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.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
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.
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
To purchase the Accidental Hospitalisation (Personal Vehicle) Cover, the insured person must be an existing Bajaj Finance customer, an Indian national, and must be aged between 18 years to 65 years.
The doctor’s consultation conducted before, during, and after hospitalisation is covered under the policy.
This policy covers post-hospitalisation expenses for a period of up to 10 days.