Our All in One Plan to keep you healthy always
Sum Insured : Up To ₹ 5 Crore
Our All in One Plan to keep you healthy always
Best suited for
Employer-Employee Group
Non Employer-Employee
Groups/Association/ Institution/Society
Key Benefits
Launch Date: 29-06-2020
FlexiCare Group as the name goes, is designed to be flexible yet comprehensive to suit both the needs of the business while keeping in mind the needs of the individual group members.
It offers easy protection against listed perils, events, ailments and risks with a full range of benefits available both on standalone basis (i.e. a single cover can be opted to design a group protection) or in combination (i.e. bundle of multiple covers from same or different segments like accident, illness, surgery, travel etc.).
We, at ManipalCigna, also understand the impact that simple and small changes in lifestyle can make on a person’s overall health and well-being. That’s where our health and wellness solutions come into picture. This holistically designed program is based on multiple parameters of health and wellness. It's fast, accessible & easy to use. Just choose a cover from our wellness package to add to your core cover and your tailored group protection solution is ready.
Provides coverage towards a wide range of perils, ailments, events, risks under different segments including Accident, Mediclaim, Surgery, Domestic Travel and Wellness
Multiple options from hospitalisation, day care, out-patient, home care and related benefits
Choice of pay-out from indemnity, benefit and daily cash
Family, Dependent member protection; Income protection; EMI protection, Premium waiver and many more
Complete freedom to design need based group protection from single cover to a complete 360° packaged solution
Host of choices for cost effective plans: Co-pay, Deductible, Sub-limit, Waiting period inclusion, Limit on duration of hospitalisation, Limit on area of cover etc
Wellness packages for Health and Well-being
What’s covered
- With the FlexiCare Group Insurance Policy, one can design for employees, or members of any affinity group the optimum cover they require.
- Covers a wide range of perils, ailments, events, risks under different segments including Accident, Mediclaim, Surgery, Domestic Travel and Wellness
- Family, Dependent member protection; Income protection; EMI protection, Premium waiver and many more
- Host of choices for cost effective plans: Co-pay, Deductible, Sub-limit, Waiting period inclusion, Limit on duration of hospitalisation, Limit on area of cover etc
- Wellness packages for Health and Well-being
What’s not covered
- Ailment requiring Treatment due to use, abuse of drug, intoxicating substance
- Any Illness or Hospitalisation arising or resulting from any breach of law
- All Illness/expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel
- All expenses directly or indirectly, caused by or arising from or attributable to foreign invasion, war like situation etc.
Above List is only indicative and not exhaustive
Sum Insured
Up to ₹ 5 Crore
Entry Age
There is no minimum or maximum age for entry in to the policy (Children from Day 1 up to 25 years can be covered in a family floater policy)
Cover Type
Individual and Family Floater
For Travel cover –
Benefits shall be offered on Single Trip/ Multi Trip (Annual) Basis
Number of days per Trip for Multi Trip Option can be opted from 30 to 90 Days
Relationships Covered
Self, spouse, parents, children, sibling, parent-in-laws, sibling-in-laws, grandparents, grandchildren, son in law, daughter in law, uncle, aunt, niece and nephew, etc. (with insurable interest)
Policy Term
1 year (>1 year, max up to 5 years term available for Credit Linked Policy)
Min Group Size
7 members
Premium
Monthly/Quarterly/Half yearly/ Yearly/ Single/ Daily/ Weekly/ Fortnightly, Limited premium paying Term (1 month to 11 months)
Renewal
Lifetime provided the insured person is still associated with group
Currency
The monetary limits applicable to this Policy will be in INR
Area of Coverage
For a specific group, the Area of Cover may be limited to any particular region within India
For overseas covers, the Area of Cover may be limited to any particular country or region outside India
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
Flexicare Group Insurance Policy
Q.1) WHAT IS FLEXICARE GROUP INSURANCE POLICY?
In day to day lives, we are exposed to many risks associated with accidents, illnesses, surgery and travel and with the ever increasing costs associated with hospitalization, it can mean a drain on the precious savings. Not anymore. With the ManipalCigna FlexiCare Group Insurance Policy, one can provide employees, members of any affinity group the optimum cover they require.
Q.2) WHO CAN BUY THE GROUP FLEXICARE POLICY?
A Corporate can purchase this policy for their Employees and Dependents, or groups / associations with commonality of purpose can purchase this policy for their members and dependents. Affinity groups for example would include Cooperative Society, Bank / Mutual Fund customer group and holders of the same credit card etc.
Q.3) WHAT IS THE TERM OF THE POLICY?
The policy is issued for a term of 1 year*.
Short period cover: For Accident Section only, Policy can be issued for a term less than one year to provide coverage to specific events or specified period.
On-duty Cover: For Group Personal Accident Section only, Policy can be issued for restricted time period of the day e.g. Work duty hours only etc.
*(Term more than 1 year is available only for Credit Linked Policy).
Q.4) CAN WE COVER FOREIGN NATIONALS WORKING IN INDIA IN THE GROUP POLICY?
Proposal acceptability will be subject to underwriting approach, group demographics, risk parameters and other attributes including company underwriting guidelines.
Q.5) CAN A NRI TAKE THIS GROUP POLICY?
Proposal acceptability will be subject to underwriting approach, group demographics, risk parameters and other attributes including company underwriting guidelines.
Q.6) HOW MANY MINIMUM NUMBER OF MEMBERS ARE REQUIRED TO FORM A GROUP FOR ISSUANCE OF A POLICY?
Minimum number of members required to issue a group policy is 7.
Q.7) IS NOMINATION COMPULSORY IN THIS POLICY?
Nomination is a right conferred on the insurance holder to appoint a person to receive the policy monies in the event of his or her death. You can change your nomination any time before the date of policy termination. Nomination is required for valid discharge of claim.
Q.8) ARE MEDICAL TESTS REQUIRED PRIOR TO COVER?
Medical tests may be required subject to underwriting approach and assessment designed depending on group demographics, policy type, age, health status of the persons and other parameters.
Q.9) CAN THE POLICY BE PURCHASED / RENEWED ONLINE?
To purchase/renew the policy, please get in touch with us at 1800-102-4462 or visit any of our branches. For more details log on to our website www.manipalcigna.com
Q.10) IS THERE A TAX BENEFIT AVAILABLE IN THE POLICY?
Tax benefit is applicable for Contributory policy (where insured member pays premium towards the policy) for Mediclaim, Surgery related covers.