Consider the following action for a free scalar field $\phi$ in a curved background $$S=\int dx\Big( \frac12g^{\mu\nu}\partial_\mu\phi\partial_\nu\phi+\gamma \phi R\Big).$$
Here $g_{\mu\nu}$ is a metric and $R$ is the corresponding scalar curvature. The first term is the standard free field Lagrangian while the last term gives non-minimal coupling to gravity. I've encountered this Lagrangian in the context of 2d CFT, where one uses the last term to introduce a "background charge" in the system (Di Francesco CFT, chap.9). There the stress-energy tensor is computed in the flat space limit, which gives $$T_{\mu\nu}=\partial_\mu \phi\partial_\nu \phi-\frac12\eta_{\mu \nu}(\partial\phi)^2+\gamma\Big(\partial_\mu\partial_\nu\phi-\frac12\eta_{\mu\nu}\partial^2\phi\Big).$$ The additional $\gamma$-term is hence consequential for further computations.
I cat get this result formally, but struggle with a physical meaning. If I first set metric to be flat the $\gamma$-term will just vanish. Alternatively, I can formally get the same energy-momentum tensor from the action $$S'=\int dx\Big(\frac12 g^{\mu\nu}\partial_\mu\phi\partial_\nu\phi+\gamma g^{\mu\nu}\partial_\mu\partial_\nu \phi\Big),$$ but the last term is just a total derivative in flat space so again, it shouldn't be consequential for physics.
I haven't formulated the question clearly, but perhaps it is: why does the curvature term affect the flat-space physics? Can one get the same stress-energy tensor from a flat space action?