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 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. Coverage offered if hospitalised for a surgery due to an accident.

  • Daily cash benefit

    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

    End-to-end online process

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

  • No documents required to buy the policy

    No documents 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 Surgical Cash Cover. If you meet all 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 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

    Step 1

    Click on ‘Buy Now’ button on this page.

  • Step 2

    Step 2

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

  • Step 3

    Step 3

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

  • Step 4

    Step 4

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

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment through UPI, net banking, credit/debit cards, or wallet.

  • Step 6

    Step 6

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

    Download the policy document from ‘My Account’ after 5-7 working days from the purchase date.

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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 (Rs. 2,000 per day for 30 days)
Premium including GST (in Rs.) 214
Policy tenure One 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 Up to Rs. 2,000 for 30 days to cover 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 contact 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.

  • Documents required to claim:

    Documents required to claim:

    To claim the benefits of Surgical Cash Cover, 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.
    In case of cashless treatment, insurer will directly settle the bills with the network hospital before getting discharged.

  • 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?

Write to the insurer at or call on the toll-free number 1800-102-4462.

How much cash benefit does Surgical Cash Cover offer?

You get up to Rs. 2,000 daily for 30 days to cover the hospital expenses.

What is the age eligibility to buy this policy?

Any existing Bajaj Finance customer can buy the policy. Any Indian individual between 18 years and 65 years can buy this policy.

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

Yes, you have an initial waiting period of 30 days to claim the benefits under this policy. You have a waiting period of two years for specific illnesses mentioned in the policy document.

What does the policy not cover?

The policy does not cover hospitalisation for less than 72 hours. You also have a waiting period to avail coverage for certain pre-existing diseases mentioned in the 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.