What is Accidental health and Complimentary Benefit Cover?

You can plan your goals and set specific timelines. However, the very next moment can be unpredictable. You must thus be prepared for unforeseen circumstances like getting injured or running into an accident.

Manipal Cigna Health Insurance presents Accidental Health and Complimentary Benefit Cover to support accidental hospitalisation, while also extending numerous complimentary benefits starting at a premium of just Rs. 1,844 per annum.

With this policy, you can get coverage worth up to Rs. 20,000 and complementary health treatment worth up to Rs. 5000. Let us see the main benefits of this policy that make it a must-have. 


How To Apply?

Applying for the accidental health and complimentary benefit coverage plan is and requires you to follow the below steps:

  • Click on Buy Now

    On the product page, select ‘Buy Now’.

  • Fill in the Details

    Enter the required details in the online application form.

  • Make the Payment

    You can make the payment through UPI, Net Banking or any other online method.

All set! You will get notified of your membership details via email. 


Eligibility Criteria

You must meet the following requirement to be able to buy the Accidental Health and Complimentary Benefit cover:

  • You must be within the age group of 18 to 65 years.


What’s Covered under the Accidental health and Complimentary Benefit cover?

Some of the inclusions offered along with the Accidental Health and Complimentary Benefit plan are mentioned below:


  1. Hospitalisation Expenses

The policy offers expense coverage up to Rs. 20,000 on cases pertaining to accidental hospitalisations. However, the diagnosis must be backed by a consultant neurologist’s clinical confirmation. 


  1. Diagnostic Tests

The policy covers the expenses relating to diagnostic tests conducted before (within the pre-hospitalisation timeframe) or during the term of the hospitalisation. 


  1. Doctor’s Fee and Medication expenses

The policy covers the doctor’s fee before, after, and during hospitalisation. In addition, you get compensated for expenses arising from purchasing medicines relating to the hospitalisation period. 


  1. Treatment Charges

Specific treatment charges are covered as a part of this policy that includes the following:

  • ICU

  • Doctor’s Fees

  • Transfusion

  • Hospital room rent

  • Medicines and tests


  1. Complimentary Benefits

The policy includes numerous complementary benefits for individuals who wish to make a claim under this policy. A list of such benefits is presented below:

  • Acupuncture

  • Chiropody

  • Physiotherapy

  • Homoeopathy

  • Chiropractic

  • Ayurveda

  • Acupressure

  • Osteopathy


Policy Plan Details & Specifications

The details of the accidental health and complimentary benefit cover are outlined below:


  • Coverage

The policy accommodates the following coverage plan:

  • A premium of Rs. 1844 to cover a sum insured worth Rs. 10,000

  • A premium of Rs. 3269 to cover a sum insured worth Rs. 20,000.


  • Validity

The policy has a validity period of one year.


What’s Not Covered?

While the accident health and complimentary benefit plan offer extensive coverage for policyholders, the following features are not covered as a part of the policy. 


  • Initial Waiting Period

The policyholders become eligible for the benefits of this policy once the initial 30-day waiting period is over. 


  • Pre-existing diseases

The policy does not include a cover for diseases that you already have at the time of purchasing the plan.


How to Make a Claim

You can make a claim by following one of the following ways:


  • Call

You may connect with the team at the toll-free number: 1800-102-4462


  • E-mail

You can write to the insurer at servicesupport@manipalcigna.com and register your claim. 


Customer Care Details

For any queries or clarifications relating to the accidental health and complimentary benefit policy, you may connect with us at insuranceconnect@bajajfinservmarkets.in.


Frequently Asked Questions

  • ✔️I have a pre-existing illness. I have recently enrolled on the accidental health and complimentary benefit policy. My doctor has recommended immediate hospitalisation owing to my pre-existing condition. Am I eligible for this policy to cover my hospitalisation costs?

    No. The policy does not cover costs relating to pre-existing conditions. Only the costs related to


  • ✔️I enrolled on the policy last week. I have met with an accident and require immediate medical care. Can I draw the benefits of this policy?

    No. You must surpass the minimum 30-day waiting period after you have entered into the policy to be eligible for any benefits. 


  • ✔️My father just turned 70. Can I enrol him in this policy?

    No. The policy follows an eligibility constraint. Only individuals aged 18 to 65 are eligible to enrol in this policy.

  • ✔️I do not want to physically visit a branch or an office to register under the plan. Is it possible to purchase the policy online?

    Yes. You can purchase the policy online without the need for a physical visit. You can pay the premium online and enjoy the benefits of the policy.