Coverage of up to Rs. 3 Lakhs | Buy Accidental Hospitalisation (Common Carrier) Cover at just Rs. 184 BUY NOW

What is Accidental Hospitalisation (Common Carrier) Cover?

Availing treatment for injuries due to accidents can be expensive. It is better to be prepared than to be under a financial burden during such uncertain events. In order to protect yourself against expenses arising from the same, consider availing the FlexiCare Group Insurance Policy - Accidental Hospitalisation (Common Carrier) plan provided by ManipalCigna Health Insurance. With this plan, you are entitled to coverage of up to ₹3 Lakhs in the event of hospitalisation caused due to an accident while travelling by a flight, bus, train, a rented cab, a rented bike, or on a cruise/ship.

Key Features and Benefits of Accidental Hospitalisation (Common Carrier) Cover

Some of the important features of this policy are:

Coverage for Treatment Charges

 The Accidental Hospitalisation (Common Carrier) plan is an accidental hospitalisation cover which covers the treatment of accidental injuries. 

Coverage for Pre and Post-Hospitalisation Expenses

This plan covers pre and post-hospitalisation expenses provided they are incurred just before or after the date of hospitalisation or daycare treatment (if availed).

Coverage for Doctor’s Fees

The Accidental Hospitalisation (Common Carrier) plan covers doctors’ consultation fees if you (the insured individual) need to visit a doctor prior to and during accidental hospitalisation.

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

How to Apply for Accidental Hospitalisation (Common Carrier) Cover?

Follow these steps to apply for this policy:

  • Click on Buy Now

    Visit the product page on our website and tap on ‘Buy Now’.

  • Submit Details

    Fill in the necessary details in the online application form.

  • Pay the Premium Online

    Once you submit the application form, pay the insurance premium charges using any preferred mode of online payment.


The Accidental Hospitalisation (Common Carrier) policy document will be sent to your registered email ID.

Eligibility Criteria

To be eligible to apply for the Accidental Hospitalisation (Common Carrier) cover, you must fall between the age group of 18 years and 65 years.

What’s Covered Under Accidental Hospitalisation (Common Carrier) Policy?

  • Treatment Charges

This policy is an accidental hospitalisation cover that provides coverage for the treatment of accidental injuries. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees.

  • Accidental Hospitalisation

With this cover, you are provided with coverage for inadvertent, accidental hospitalisation amounting to the sum insured caused while travelling via a flight, bus, train, a rented cab, a rented bike, or on a cruise/ship. This, of course, is dependent on the diagnosis being backed up with a clinical confirmation provided by a qualified consultant neurologist and the admission to the hospital, and if the claims for the same are made within the policy year.

  • Pre-Hospitalisation

Pre-hospitalisation expenses are covered in this plan provided they are incurred just prior to the date of hospitalisation or daycare treatment (if availed) as per the limits mentioned in the policy document.

  • Doctor’s Fees

In the event that you (the insured individual) need to visit a doctor, coverage is provided for the same prior to and during hospitalisation.

  • Diagnostic Expenses

Medical tests conducted during the pre-outlined pre- hospitalisation period or during the hospitalisation period are provided with coverage as per this policy.

  • Medication

Expenses incurred as a result of purchasing medicine required as a result of hospitalisation pertaining to accidents are provided with coverage.

  • Post-Hospitalisation

Post-hospitalisation expenses are covered provided they are incurred just after being discharged from the hospital or daycare treatment (if availed) as per the limits specified in the policy document. 

Accidental Hospitalisation (Common Carrier) Policy Details 

Here are the details and specifications of this Cover:


Sum Insured Options


Accidental Hospitalisation Cover - In-patient Hospitalisation




















1 Year

Accidental Pre - Hospitalisation - 10 Days

Accidental Post - Hospitalisation - 10 Days

Premium Amount (including GST)





What’s Not Covered Under Accidental Hospitalisation (Common Carrier) Policy?

  • Dental Treatments

Orthodontic treatment, dental treatment, dentures, or surgery of any kind are not included unless made necessary due to an accident and require a minimum of 48 uninterrupted hours of hospitalisation.

  • Non-Prescribed Supplements

Dietary supplements or other substances which can be purchased without a prescription (unless of course, prescribed by a medical practitioner).

  • Rehabilitation Expenses

Rest care, rehabilitation, and respite care i.e., expenses pertaining to admission in a hospital focused on enforced bed rest and not treatment.

  • Addictions

The treatment of addictions of any kind including but not limited to alcohol and drugs or consequences that arise owing to these addictions.

  • Expenses Related to Prostheses

Corrective devices, prostheses and/or medical appliances, which are not required intra-operatively for the illness/ injury.

  • Cosmetic Surgeries

Expenses related to cosmetic surgeries or any treatment availed to change appearance, unless for reconstruction following an accident.

Note: In order to know more about all the exclusions and the list of non-payable expenses, please refer to the policy wordings.

How to Make a Claim?

In order to file a claim, you can connect with the claims team put together to help you get the best out of your accidental insurance plan. They are available via the following methods.

Accidental Hospitalisation (Common Carrier) Cover Customer Care Details

You can contact the Bajaj Markets customer care team to get answers to all your queries related to this policy! To connect with us, you can write to us at

Accidental Hospitalisation (Common Carrier) Cover FAQs

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

Yes. Individuals who are aged between 18 and 65 years of age are eligible to apply for this plan.

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

Once you complete the payment, all the details of your policy will be sent to your registered email address.

How long is this policy valid for?

The validity of this policy is 1 year.

Is claim coverage valid immediately?

Coverage is only provided to insured individuals following 48 uninterrupted hours of being hospitalised.

What is the cost of this accidental hospitalisation insurance plan?

This policy is available at premiums ranging from ₹184-₹219, based on the sum insured that you opt for.

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