Preferred Language

Preferred Language


Mediclaim - Family Counselling Benefit (Accident / Illness)

Quick Connects Buy Now

Accidents can result in mental trauma where an individual may require psychiatric counselling. With FlexiCare Group Insurance Policy - Mediclaim - Family Counselling Benefit (Accident / Illness) from Manipal Cigna Health Insurance, one can avail coverage for psychiatric counselling of the Immediate Family Members of such insured person provided the family members receive such counselling on an out-patient basis in a hospital.

Plan/ Membership Fee Details

Sum Insured (Rs.) 25,000
Premium Including GST (Rs.) 314

Eligibility: Individuals in the age between 18 and 65 Years

Policy/Cover tenure will be 1 year.

What is covered?

  • Money-in-bank

    Family Counselling Benefit (Accident / Illness)

    In case the insured person suffers an Injury/Illness that results in death, Permanent Total Disablement or Permanent Partial Disablement of the Insured Person and such death or disablement causes mental trauma to any or all Immediate Family Members of the Insured Person, the Sum Insured will be paid, as specified towards the psychiatric counselling on an out-patient basis in a Hospital.


    Waiting Period

    Name of the Waiting Period Waiting Period
    Initial Waiting Period 30 days
    Specific Disease waiting Period 24 Months

  • Money-in-bank

    Specified disease/procedure Waiting period

    A Waiting Period, since the Inception Date of the cover, specified in the Policy Schedule/Certificate of Insurance shall apply to any treatments, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards:

    a) Cataract,

    b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids,

    c) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Oestoarthritis and Osteoposrosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral discs (other than caused by Accident), all Vertibrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal,

    d) Varicose Veins and Varicose Ulcers,

    e) Stones in the urinary uro-genital and biliary systems including calculus diseases,

    f) Benign Prostate Hypertrophy, all types of Hydrocele,

    g) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.

    h) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.

    i) Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/ skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases,

    j) Any Surgery of the genito-urinary system unless necessitated by malignancy.

    If these diseases are Pre-Existing Diseases at the time of proposal or subsequently found to be Pre-Existing Diseases, the Pre-Existing Disease Waiting Periods as mentioned in the Policy Schedule/ Certificate Of Insurance shall apply.

What is Not Covered?

  • Any Accident Due to Adventure Sports, is not covered under this policy.
  • Any Pre-existing Disease

*For a full list of exclusions, please refer to the policy wordings.

How to apply


Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.


Check and confirm your application by entering the OTP received on your mobile number.


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.

Claim Process

You can raise a claim by reaching out to the insurer via one of the following ways:

Contact Us

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

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 ManipalCigna 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."

Subscribe Now