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When you are recommended medical appliances to heal from an illness or an injury, it is essential to use them to ensure a speedy recovery. However, the expenses of procuring medical appliances can seem expensive in most cases.
Bajaj Finance brings you FlexiCare Group Insurance Policy Accident - Mediclaim Medical Appliance Cover from Manipal Cigna Health Insurance Co. Ltd., covering the expenses incurred in procuring medical appliances. There is also a hospitalization cover under this product.

Plan Details


Sum insured up to

Hospitalisation expenses

Rs. 10,000

Rs. 20,000

Medical appliances cover

Rs. 10,000

Premium (including GST) 

Rs. 2,129

Rs. 3,699

Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    Hospitalisation Expenses

    If during the policy year, the policyholder suffers an injury due to an accident caused by an event covered under the policy and directly results in hospitalization, the reasonable and customary charges will be paid. The payout is for in-patient hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.

  • Money-in-bank

    Medical Appliances

    If the policyholder suffers an injury due to an accident caused by an event covered under the policy and results in the policyholder requiring a medical practitioner to use asthma pumps, blood glucose monitors, surgical stockings, CPAP devices, hearing aids, spinal supports, knee braces, crutches, wheelchair, walker, walking stick, nebulizer, catheter, thermometer, BP monitor, infusion pump, digital fetal monitor or to conduct the daily activities through the artificial limb, prosthetic device. The actual costs will be paid for such external aids and appliances up to the limit specified in the policy schedule.

What is Not Covered / Exclusions

  • Medical treatment for any pre-existing diseases
  • Hospitalization for less than 48 hours
  • Coverage for more than 1 hospitalizations within a policy year

*For a complete 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

To raise a claim for your policy, you can contact the insurer via one of the following ways:

Contact Us

In case you have any queries about 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 ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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