Care Health Insurance

Care Health Insurance – Surgical Cash Cover at premium starting at Rs. 755

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 up to Rs. 1 lakh, premium Rs. 755

    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.

  • Payout for 9 surgeries

    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.

  • End-to-end online process

    End-to-end online process

    You can buy the policy online through our 100% digital and paperless process in just six simple steps.

  • No documents are required to buy the policy

    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

  • 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 details on the form will be pre-filled. 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 via one of the following options: UPI, net banking, credit/debit cards, and wallet.

  • Step 6

    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.

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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:



Heart-related surgeries

Any open/ closed surgeries related to heart

Cancer-related surgeries

Malignant cancer surgeries except chemo and radiotherapy

Kidney-related surgeries


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

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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

How to claim

You can contact the insurer (Care Health Insurance) to claim the benefits of the 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 - 1800-102-4488 and claim the benefits

  • Documents required to claim

    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

  • 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

What is Surgical Cash Cover?

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.

What is the claim process for Surgical Cash Cover?

You can contact the insurer by writing to them at or calling on the toll-free number 1800-102-4488.

What is the premium for the Surgical Cash Cover?

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.

What is the initial waiting period for the policy?

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.

How can I apply for the policy?

You can visit Bajaj Finserv Insurance Mall online and purchase the policy, provided you fulfil the eligibility criteria for the Surgical Cash Cover.

What is the age eligibility 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.

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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 Care Health Insurance Ltd. 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 under GROUP CARE 360 - UIN: RHIHLGP20126V011920. 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.