Extended periods of being hospitalized can be stressful not just for the patient but also for their family members. At times, availing of treatment in the comfort of one’s home as opposed to the hospital can be more suitable. Availing the home nursing care benefit, however, can be expensive despite the fact that it allows patients to recover from surgeries or critical illnesses in familiar surroundings. In order to protect yourself against expenses arising from the same, consider availing of the FlexiCare Group Insurance Policy - Accidental Hospitalization Benefit & Home Nursing Cash Cover plan provided by ManipalCigna Health Insurance. 

Plan details

Premium Including GST (Rs.)

Sum Insured (Rs.)

Rs. 419

Rs. 25,000

Rs. 684

Rs. 50,000

Features & Benefits

  • Affordable Plan

    Policyholders may avail of this plan in one of two formats based on the premium that is completely feasible.

  • Annual Cover

    This plan is valid for a timeframe of 1 year

  • Covers a large age group

    This plan may be availed by individuals falling in the range of 18 to 65 years of age.

What's Covered?

  • Accidental Hospitalisation

    Insured individuals are provided with coverage for inadvertent, accidental hospitalization amounting to the sum insured. This is also dependent on the diagnosis being backed up with a clinical confirmation provided by a qualified consultant neurologist and the admission to hospital, and claims for the same are made within the policy year.

  • Home Nursing Cash

    In the event that the insured individual has an accident resulting in an injury that renders them incapable of carrying out daily activities, they are provided with coverage to offset expenses rising from the qualified nurse in charge of providing care to them at home. This coverage will be provided as per the limits specified in the policy schedule/certificate of insurance.

  • Treatment Charges

    This policy provides insured individuals with coverage for the treatment of accidents. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees.

  • Doctor’s Fees

    In the event that the insured individual needs to visit a doctor, the plan covers the same prior to and during hospitalization.

  • Diagnostic expenses

    Medical tests conducted during the pre-outlined pre-hospitalization period or during the hospitalization period are covered under the policy

  • Medication

    Expenses incurred as a result of purchasing medicine required as a result of hospitalization are provided with coverage.

What is not covered?

  • Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.

  • Coverage is only provided to insured individuals following 72 uninterrupted hours of being hospitalized.

  • Accidents incurred as a result of participation in adventure sports are not included under this plan.

In order to have an understanding of all exclusions and list of non-payable expenses, please peruse the policy wordings.

How to Apply for the Accidental Hospitalization Benefit & Home Nursing Cash Cover

  • Visit Bajaj Markets

    Visit our website and go to the Pocket Insurance and VAS products page

  • Select Product

    Choose the Accidental Hospitalization Benefit & Home Nursing Cash Cover from the wide array of products

  • Fill Details

    Fill in your details like name and phone number in the online form.

  • Make your payment

    Pay for your insurance using your preferred mode whether UPI, mobile wallets or debit and credit card.

Claim Process

In order to apply for a claim, you can connect with the claims team put together to help serve you best. They are available via the following methods.

●        Email – servicesupport@manipalcigna.com

●        Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4462.


Are there any age limits in place pertaining to who can apply for this policy?

Yes, there is an age limit allowing only those aged between 18 and 65 years of age to apply for this plan. Age is considered as per the last birthday

If I pay for this insurance policy online, where will I receive details pertaining to my membership?

These details will be sent to your registered email address or registered WhatsApp account

Is claim coverage valid immediately?

Coverage is only provided to insured individuals following 72 uninterrupted hours of being hospitalized.

How long is this policy valid for?

The time frame this policy is valid for is a single year

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