Some accidents require a prolonged rehabilitative process; depending upon the nature of the trauma suffered, the rehabilitation may be physical, cognitive, or a combination of both. Given the complex nature of rehabilitative therapy, it can turn out to be very expensive. However, this will not be a hurdle if you are covered with the right insurance plan. Hence we bring to you the FlexiCare Group Insurance Policy - Accidental Rehabilitation Cover by Manipal Cigna Health Insurance, which offers accidental rehabilitation cover for your post-accident rehabilitation expenses of up to ₹5,000.
Here’s a quick glance at the coverage, premium and validity of this insurance that covers rehabilitation:
Coverage |
Premium (including GST) |
Plan Validity |
₹5,000 |
₹104 |
1 Year |
This plan covers costs incurred for the rehabilitation for any physical or cognitive injuries sustained in an accident.
Any costs incurred for professional counselling, consultation or prolonged physiotherapy that may be required for rehabilitation are covered under this plan.
Here are the details of the age limit to apply for the Accidental Rehabilitation Cover:
Minimum Entry Age |
Maximum Entry Age |
18 Years |
65 Years |
In case you (the insured) meet with an accident and as a part of the recovery process need to undergo counselling or consultation at a rehabilitation centre or physiotherapy, the policy will cover the expenses up to a sum of ₹5,000. The reason for the accident must be an event that is mentioned in the policy document.
Professional consultation, physiotherapy, and counselling fees are covered by the policy. However, these services can be availed based on the requirement of medical assistance and you will need a recommendation certification from a certified doctor for the same.
If the cause of the accident is adventure sports, then such instances are not covered by the insurance policy.
If physiotherapy or counselling/ consultation is needed for a pre-existing disease, such expenses are not covered under this plan.
If the accident was a result of riot, crime, civil commotion, or anything with criminal intent, the rehabilitation expenses in such cases are not covered.
You can apply for this accidental rehab insurance cover by following these three easy steps:
That’s all you need to do! Your Accidental Rehabilitation Insurance policy documents will be sent to your registered email ID.
Applying for a claim is very simple. Just connect with the insurer’s team to get the best service. They are available via the following modes.
● Email- servicesupport@manipalcigna.com
● Insurer’s Toll-Free Number- 1800-102-4462
For any queries related to this health insurance that covers rehabilitation, you can connect with Bajaj MARKETS at insuranceconnect@bajajfinservmarkets.in.
Anybody between the age of 18 and 65 years can apply for this policy.
The duly signed insurance claim form, copies of the bills from the hospital/rehabilitation centre along with a recommendation by a doctor certifying the necessity of rehabilitative assistance are required to file a claim.
No, accidents that arise out of riots, crime, civil commotion, or with an intention of crime are not covered under this rehabilitation insurance plan. For a complete list of exclusions, kindly refer to the policy document.
The validity of the Accidental Rehabilitation Cover is 1 year.
The premium of this rehab insurance plan is ₹104.