Natural Disaster Cover

Natural Disaster Cover

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Natural disasters cause destruction of property, loss of financial resources, and personal injury or illness. Accidents due to natural disasters can affect you badly and sometimes financial burden is too high to manage.
Bajaj Finance brings to you FlexiCare Group Insurance Policy – Natural Disaster cover from Manipal Cigna Health Insurance, which provides you the benefits on Accidental Hospitalization of Rs. 50,000/100,000.

Plan Details

Sum Insured (Rs.) 50,000 1,00,000
Premium Including GST (Rs.) 29 44
  Age/Band – 18-65 Years Policy/Cover tenor will be 1 year.

What's Covered

What's Covered

  • Money-in-bank

    Hospitalization Expenses

    Expenses upto Rs. 1 lakh for accidental hospitalization due to natural disasters, provided the diagnosis is supported by the clinical confirmation by an appropriate consultant neurologist.

  • Money-in-bank

    Diagnostics tests

    The cost of conducting diagnostics tests before (within the specified pre-hospitalization period) or during the hospitalization period is covered under the plan.

  • Money-in-bank

    Doctor’s Fees

    Coverage for doctor’s fee can be availed before, during and after hospitalization.

  • Money-in-bank

    Expenses on medication

    Expenses towards purchase of medicines related to hospitalization are covered under the plan.

  • Money-in-bank

    Treatment Charges

    Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines and tests. For list of exclusions, please refer to the policy wordings.

What's not covered?

• The cover is valid only after continuous hospitalisation of 48 hrs.
• The benefit is applicable only post-hospitalisation and not before that.
• Rehabilitation benefit will not be covered before 30 days of initial waiting period.
• Any pre-existing disease.
For list of exclusions, please refer to the policy wordings.

How to Apply


Click on ‘Apply Now’ button 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 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 ManipalCigna FlexiCare 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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