Manipal Cigna Health Insurance

ManipalCigna Health Insurance– Surgical Cash at Rs. 214

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Coverage of Rs. 60,000, premium of Rs. 214

    Coverage up to Rs. 60,000 (Rs. 2,000 per day for 30 days) to cover everyday expenses during hospitalisation due to surgery in case of an accident.

  • Daily cash benefit

    Get daily cash allowance of Rs. 2,000 up to 30 days to take care of the day-to-day hospitalisation expenses.

  • End-to-end online process

    You can easily buy the policy online through out 100% digital and paperless process.

  • No documents are required to buy the policy

    When buying the Surgical Cash cover, you do not need to present any documents at the time of making the purchase.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Surgical Cash cover. If you meet all the eligibility criteria, we will need a few details to complete your application process. 

Eligibility criteria  

• For existing Bajaj Finance customers only
• Nationality: Indian 
• Age: 18 - 65 years

Documents required

No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
• Name
• Address
• Email address
• Phone number

Step-by-step guide to buy this policy

  • Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards and wallet.

  • Step 6

    After the payment is successful, you can download the policy receipt instantly.

    You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchasing the policy.

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Policy details

Here’s a quick look at the policy details of the Surgical Cash cover:

Policy details Description
Sum insured (in Rs.) 60,000
Premium including GST (in Rs.) 214
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions of the Surgical Cash cover:

  • Key inclusions
  • Key exclusions
Key Inclusions Description
Surgery expenses Coverage for hospitalisation expenses in case of surgery
Daily cash benefit Get daily cash allowance of Rs. 2,000 up to 30 days to take care of the day-to-day hospitalisation expenses
Key exclusions Description
Pre-existing disease Treatment against pre-existing diseases
Hospitalisation less than 72 hours Expenses for hospitalisation less than 72 hours

How to claim

You can reach out to the insurer (ManipalCigna Health Insurance) to claim the benefits of Surgical Cash cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-102-4462 and claim the benefits

  • To claim the benefits of this Pocket Insurance policy, you need to present the following documents:

    To claim the benefits of this Pocket Insurance policy, you need to present the following documents:

    1. Policy document received at the time of purchase
    2. discharge summary
    3. complete billing in case of reimbursement
    4. For cashless, policy document, cashless card issued by the insurer, if any.
    The billing details are directly shared with the insurance company by the network hospital and settled before discharge.

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

How can you claim the benefits under this policy?

You can reach out to the insurer by writing to them at or calling on the toll-free number 1800-102-4462.

What is the cash benefit offered under the Surgical Cash cover?

The policy offers a sum of Rs. 2,000 daily for a period of 30 days to the insured individual in the event of surgical treatment.

What is the age eligibility to buy this policy?

The insured must be between the age of 18 and 65 years to buy this policy.

Is there a waiting perIs there a waiting period to claim benefits under this policy?

Yes, there is an initial waiting period of 30 days to claim benefits under this policy. There is also a specific illness waiting period of 2 years.

What are the exclusions under this policy?

Hospitalisation for less than 72 hours and hospitalisation due to pre-existing diseases is covered under this policy.

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*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company Aditya Birla Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage with ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.