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Travel Emergency, Medical & Compassionate Visit Cover

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When you are taking a trip, in case of emergencies, it can be hard to find the proper and affordable treatment. In such cases, people who have an insurance policy get a financial cushion and can access the best treatments without worrying about the expenses incurred.
FlexiCare Group Insurance Policy - Travel Emergency Medical and Compassionate Visit Benefit cover from Manipal Cigna Health Insurance Co. Ltd. offers coverage if the policyholder suffers from an injury or illness due to an accident while on a trip and requires hospitalization.

Plan Details

Coverage 1

Sum insured up to

Travel Emergency Medical Cover

Rs. 1 lakh

Travel Compassionate Visit Cover

Rs. 10,000

Gross Rates

Option 1

Trip Duration\Age

up to 40

41 - 60 

Above 60

00-10

Rs. 54

83

Rs. 166

11-20

Rs. 128

217

Rs. 473

21-30

Rs. 199

345

Rs. 766

31-60

Rs. 340

600

Rs. 1,352

61-90

Rs. 552

983

Rs. 2,231

> 90 Days

Rs. 2,596

4,680

Rs. 10,715

Coverage 2

Sum insured up to

Travel Emergency Medical Cover

Rs. 2 lakh

Travel Compassionate Visit Cover

Rs. 10,000

Gross Rates

Option 2

Trip Duration\Age

up to 40

41 - 60 

Above 60

00-10

Rs. 65

104

Rs. 215

11-20

Rs. 154

271

Rs. 615

21-30

Rs. 239

431

Rs. 996

31-60

Rs. 402

700

Rs. 1,512

61-90

Rs. 655

1,148

Rs. 2,496

> 90 Days

Rs. 3,095

5,479

Rs. 11,995

Multi-Trip (30 days Limit\Trip)

Rs. 1,077

1,779

Rs. 3,698



Eligibility: This plan can be taken by individuals between the age of 18 and 65, as on the last birthday. 


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

What's Covered

  • Money-in-bank

    Travel Emergency Medical Cover

    If the policyholder suffers from an illness or injury due to an accident while on a trip and needs emergency care, the following medical expenses incurred as per the policy schedule:

    • In-patient treatment or daycare treatment in a local hospital at the place where the policyholder is staying at the time of occurrence.
    • Medically necessary charges towards hospital room and boarding, intensive care unit, surgery (Includes operation room charges, surgical appliance, surgeon fee, and implant charges), anaesthetist services, medical practitioner's visitation fees, specialist fees, and any miscellaneous expenses towards in-patient treatment.
    • Diagnostic tests and all reasonable and customary charges towards diagnostic methods necessary for the treatment of the policyholder, provided these pertain to the illness or injury due to which the in-patient treatment was deemed medically necessary.
    • Reasonable costs incurred on transportation by a surface ambulance, immediately following the accident, including costs incurred for medically necessary care, carried out in the course of such transportation, to the nearest hospital, the nearest medical practitioner, or to any special clinic as prescribed by a medical practitioner.
    • Miscellaneous expenses including but not limited to the cost of medicines, pharmacy, drugs, supplies, nursing charges, external medical appliances as prescribed by a registered medical practitioner as essential as part of the treatment on actual, blood storage and processing charges, other services which are not part of any other above given heads.

  • Money-in-bank

    Travel Compassionate Visit Expenses

    If the policyholder gets hospitalized for more than seven consecutive days while on a trip where no adult immediate family member is present, the sum insured will be paid as per the policy schedule towards any one immediate family member for obtaining return tickets in economy class on a common carrier to visit the policyholder and expenses for the duration of the stay in the hospital, provided that the attending medical practitioner certifies in writing that it is not advisable for the policyholder to travel back to the place of origin based on their medical condition and that they would benefit from the visit of an immediate family member.

What is Not Covered / Exclusions

Here's what is covered in this plan.

  1. Any pre-existing disease.
  2. A period of hospitalization less than 48 hours.
  3. Travel compassionate claim benefit claims made more than once in a policy year.



*For a complete 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

To raise a claim for your policy, you can contact the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

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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