Accidental Hospitalisation (Common Carrier) Insurance

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.

 

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

 

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.

• 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:

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.

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.

• Email- servicesupport@manipalcigna.com

• Insurer’s Toll-Free Number- 1800-102-4462.

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 insuranceconnect@bajajfinservmarkets.in.