Care Health Insurance – Surgical Cash Cover at premium starting at Rs. 755
Product highlights
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
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Coverage up to Rs. 1 lakh, premium Rs. 755
Get coverage against expenses for surgical treatments during hospitalisation at a premium starting at Rs. 755.
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Payout for nine surgeries
Get payout equivalent to the coverage amount opted to cover 9 surgical procedures* ranging from heart to burns to cancer-related surgeries.
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End-to-end online process
You can buy the policy online through our 100% digital and paperless process in just six simple steps.
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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
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 – 60 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
- Mobile number
Step-by-step guide to buy this policy
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Step 1
Click on ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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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.
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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.
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Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.
Policy details
Here’s a quick look at the policy details of the Surgical Cash Cover:
- Premium of Rs. 755
- Premium of Rs. 1,015
- Premium of Rs. 1,298
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 25,000 |
| Premium including GST (in Rs.) | 755 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 50,000 |
| Premium including GST (in Rs.) | 1,015 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 lakh |
| Premium including GST (in Rs.) | 1,298 |
| 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 |
|---|---|
| Hospitalisation for 9 surgeries | Get payout equivalent to the coverage amount opted to cover 9 surgical procedures |
| Necessary hospitalisation | Valid only for medically necessary in-patient hospitalisation |
Given below are the nine surgeries covered under this policy:
Category |
Surgeries |
Heart-related surgeries |
Any open/ closed surgeries related to heart |
Cancer-related surgeries |
Malignant cancer surgeries except chemo and radiotherapy |
Kidney-related surgeries |
Nephrectomy |
Brain and spinal surgeries |
Any surgery related to brain or spinal cord |
Surgery related to abdominal organs |
Any surgery related to liver, spleen, or pancreas |
Open surgery of chest and related organs |
Any surgery related to lungs or thorax |
Major burns |
Any surgery related to second- and third-degree full thickness burns (excluding cosmetic purposes) |
Oro-maxillofacial surgery |
Major reconstructive oro-maxillofacial surgery for trauma (excluding cosmetic purposes) |
Major organ transplant |
Transplant of kidney, liver, or heart |
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | No coverage for pre-existing conditions |
| Surgery during waiting period | Surgery conducted before or during the waiting period of 30 days from policy commencement |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (Care Health Insurance) to claim the benefits of the Surgical Cash Cover by email or phone:
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-102-4488 and claim the benefits
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Documents required to claim
To claim the benefits of the Surgical Cash Cover, you need to present the following documents:
1. The policy document received at the time of purchase
2. Medical certificates and reports received from the doctor
3. Invoice/bills
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Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
Surgical Cash Cover is an insurance product from Care Health Insurance offered through Bajaj Finance. It provides financial support for medical expenses associated with hospitalisation due to surgical treatments.
You can contact the insurer by writing to them at claims@careinsurance.com or calling on the toll-free number 1800-102-4488.
The Surgical Cash Cover comes with three premium and sum insured variants. You can choose from any of the three premium variants to get coverage as per your requirement. The premium starts at Rs. 755. The maximum sum insured is Rs. 1 lakh.
There is an initial waiting period of 30 days. During this time, the insured cannot claim benefits in case they undergo any of the specified surgeries.
You can visit Bajaj Finserv Insurance Mall online and purchase the policy, provided you fulfil the eligibility criteria for the Surgical Cash Cover.
Anyone between the age of 18 and 60 years is eligible to purchase the Surgical Cash Cover, provided they are Indian nationals and an existing Bajaj Finance customer.
