Availing treatment for injuries owed to accidents can be expensive. It is better to be prepared than to be under an uncertain financial burden. In order to protect yourself against expenses arising from the same, consider availing of the FlexiCare Group Insurance Policy - Accidental Hospitalization (Common Carrier) plan provided by ManipalCigna Health Insurance. With this plan, insured individuals are entitled to coverage amounting to up to INR 3 Lakhs in the event that they have an accident while traveling via a plane, bus, train, a rented cab, a rented bike, or on a cruise or ship. Just head on to Finserv MARKETS and get your plan.
Coverage |
Sum Insured Options (Rs.) |
||
Accidental Hospitalization Cover - In-patient Hospitalization |
1 Lakh |
2 Lakhs |
3 Lakhs |
Accidental Pre Hospitalization - 10 Days |
|||
Accidental Post Hospitalization - 10 Days |
|||
Premium Amount Including GST (Rs.) |
184 |
199 |
219 |
Policyholders may avail of this plan in one of three formats at very budget-friendly options.
This plan is valid for a timeframe of 1 year
This plan may be availed by individuals falling in the range of 18 to 65 years of age.
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
Insured individuals are provided with coverage for inadvertent, accidental hospitalization amounting to the sum insured caused while traveling via a plane, bus, train, a rented cab, a rented bike, or on a cruise or 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 hospital, and claims for the same are made within the policy year.
Pre-hospitalization expenses are covered provided they are incurred immediately prior to the insured individual’s date of hospitalization of daycare treatment (if availed of) as per the limits specified in the policy schedule / certificate of insurance. This is provided that the claim is admissible under ‘Accidental Hospitalization Cover’ and the Pre-hospitalization Medical Expenses are related to the same Injury.
In the event that the insured individual needs to visit a doctor, coverage is provided for the same prior to and during hospitalization.
Medical tests conducted during the pre-outlined pre-hospitalization period or during the hospitalization period are provided with coverage as per this policy.
Expenses incurred as a result of purchasing medicine required as a result of hospitalization pertaining to accidents are provided with coverage.
Post-hospitalization expenses covered provided they are incurred immediately post the insured individual being discharged from the hospital of daycare treatment (if availed of) as per the limits specified in the policy schedule / certificate of insurance. This is provided that the claim is admissible under ‘Accidental Hospitalization Cover’ and the Pre-hospitalization Medical Expenses are related to the same Injury.
Pre-existing diseases are not covered by this plan
Dental treatment, orthodontic treatment, dentures, or surgery of any kind are not included unless necessitated due to an accident and require a minimum of 48 uninterrupted hours of hospitalization.
Dietary supplements and substances which can be purchased without a prescription (unless of course, prescribed by a medical practitioner)
Rest care, rehabilitation, and respite care i.e., expenses pertaining to admission in a hospital focused on enforced bed rest and not treatment
Unproven treatments
The treatment of addictions of any kind including but not limited to alcohol and drugs or consequences that arise owing to these addictions
Treatments received in health hydros, nature cure clinics, spas, or similar establishments, or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
Prostheses, corrective devices and/or medical appliances, which are not required intra-operatively for the illness/ injury.
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident
In order to have an understanding of all exclusions and list of non-payable expenses, please peruse the policy wordings.
Visit our website and go to the Pocket Insurance and VAS products page
Choose the Accidental Hospitalization (Common Carrier) Cover from the wide array of products
Fill in your details like name and phone number in the online form.
Pay for your insurance using your preferred mode whether UPI, mobile wallets or debit and credit card.
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.
Yes, there is an age limit allowing only those aged between 18 and 65 years of age to apply for this plan.
These details will be sent to your registered email address.
The time frame this policy is valid for is a single year.
Coverage is only provided to insured individuals following 48 uninterrupted hours of being hospitalized.