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Surgical Hospitalization & Road Ambulance Cover

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In case you need to be hospitalized for a surgical procedure and need to be transported to the nearest medical facility, an insurance policy that covers these expenses can be considerably helpful in relieving some financial stress.
FlexiCare Group Insurance Policy - Surgical Hospitalization and Road Ambulance Cover from Manipal Cigna Health Insurance Co. Ltd. offers cover against expenses incurred during in, pre, and post-hospitalization and transportation to the nearest medical facility via a road ambulance. There is also a hospitalization cover under this policy.

Plan Details

Sum Insured (Surgical Hospitalization)

Sum Insured (Road Ambulance)

Premium (including GST)

Rs. 1 lakh

Rs. 2,000

Rs. 1,974

Rs. 2 lakh

Rs. 2,000

Rs. 2,269

Rs. 5 lakh

Rs. 2,000

Rs. 3,469

Eligibility: You are eligible for Surgical Hospitalization and Road Ambulance Cover if you are between 18 and 65 years of age, as on the last birthday.

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

What's Covered

  • Money-in-bank

    In-patient Hospitalisation

    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 hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.

    1. Room charges up to the category specified in the policy schedule
    2. Charges for accommodation in ICU/CCU/HDU
    3. Operation theatre cost
    4. Medical practitioner’s fees
    5. Specialist’s fee 
    6. Surgeon’s fee
    7. Anaesthetist’s fee
    8. Radiologist’s fee
    9. Pathologist’s fee
    10. Assistant surgeon’s fee
    11. Qualified nurses’ fee
    12. Medication
    13. Cost of diagnostic tests as an in-patient
    14. Surgical appliance or medical appliance

    If the policyholder is admitted in a room where the room rent incurred is higher than that which is specified in the policy schedule, then the policyholder shall bear a ratable proportion of the total associated medical expenses (including surcharge or taxes thereon). The expenses should be in proportion to the difference between the room rent of the entitled or eligible room rent to the room rent actually incurred unless specified otherwise. 

    Artificial life maintenance will be covered, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health under any circumstances unless in a vegetative state as certified by the treating medical practitioner.

    Daycare will be covered under the benefit if opted and specified under the policy schedule.

    The benefit is payable up to the limit as specified in the policy schedule.

  • Money-in-bank

    Accidental Pre Hospitalisation (5 days)

    The pre-hospitalization Medical Expenses will be paid immediately before the policyholder's date of hospitalization or daycare (if opted) up to the limits as specified in the policy schedule. The claim must be admissible under ‘surgical hospitalization cover,’ and the pre-hospitalization medical expenses are related to the same injury. The date of admission to the hospital for this benefit shall be the date of the policyholder's first admission in relation to any injury.

  • Money-in-bank

    Accidental Post Hospitalisation (10 days)

    The post-hospitalization medical expenses will be paid post-discharge of the policyholder immediately from the hospital or daycare (if opted) up to the limits as specified in the policy schedule. The payout is eligible provided that a claim is admissible under ‘surgical hospitalization cover’ and the post-hospitalization medical expenses are related to the same injury. 

    The date of discharge from the hospital for this benefit shall be the date of the policyholder's last discharge from the hospital concerning any one injury.

  • Money-in-bank

    Road Ambulance

    If during the policy year the policyholder suffers an injury due to an accident covered under the policy, the reasonable and customary charges incurred will be paid towards transportation of the policyholder by a registered healthcare or ambulance service provider to a hospital for treatment in case of an emergency. The necessity of the use of an ambulance must be certified by the treating medical practitioner. The benefit will be paid up to the limits specified in the policy schedule.

    Room Rent Caping

    For SI, 1Lakh and 2 Lakhs, the room rent limit is capped at Rs. 2000 per day for a normal room and Rs. 4000 per day for ICU. For SI, 5 Lacs, the room rent is limited to a single private room and there is no limit for ICU.

What is Not Covered / Exclusions

  1. This policy does not cover any pre-existing disease.
  2. Cover is not eligible for continuous hospitalization less than 48 hours.

*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

You can raise a claim by contacting the insurer in one of the following ways:

Contact us

For 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 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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