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.
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.
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.
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.
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.
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.
*For a complete list of exclusions, please refer to the policy wordings.
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.
For queries related to coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in
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.