Aditya Birla Health Insurance

Aditya Birla Health Insurance - Surgical Cover for female only (18-40 years) at Rs. 4,248

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. 5 lakh, premium Rs. 4,248

    Provides women with coverage against the expenses arising from hospitalisation and treatment for 16 major illnesses.

  • Treatment charges

    Treatment charges

    The policy provides for medical expenses for women that includes room charges, pre- and post-hospitalisation costs, and ambulance cover.

  • Covers 16 major critical illnesses

    Covers 16 major critical illnesses

    Covers the cost of treating 16 major illnesses mentioned under this policy.

  • End-to-end online

    End-to-end online

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

Eligibility criteria and documents required

You need to fulfil the following criteria to buy Surgical Cover for female only (18-40 years). 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 - 40 years
  • Females only

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

    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.

    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 Surgical Cover for female only (18-40 years):

Policy details Description
Sum insured (in Rs.) 5 lakh
Premium including GST (in Rs.) 4,248
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions under the Surgical Cover for female only (18-40 years):

  • Key inclusions
  • Key exclusions
Key inclusions Description
Major illnesses Covers 16 major illnesses on an indemnity basis
Room charges Normal and ICU costs as per actuals
Pre- and post-hospitalisation Covered up to sum insured for 30 days pre- and 60 days post-hospitalisation
Ambulance cost Coverage of up to Rs. 3,000 for ambulance expenses

Given below are the 16 critical illnesses covered under the policy:
1. Coronary artery by-pass surgery
2. Cancer treatment
3. Heart valve replacement
4. Major organ transplantation
5. Bone marrow transplant
6. Neurosurgery
7. Pulmonary artery graft surgery
8. Aorta graft surgery
9. Coronary artery by-pass surgery post occurrence of myocardial infraction
10. Surgical treatment for stroke
11. Surgical treatment for benign brain tumour
12. Lung transplant surgery in case of end stage lung disease
13. Kidney transplant surgery in case of end stage renal failure
14. Skin grafting surgery for major burns
15. Surgical treatment of coma
16. Surgery for pheochromocytoma

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Key exclusions Description
Pre-existing condition No coverage for any pre-existing condition
Ailments during the waiting period Illnesses detected before 90 days from the purchase of policy
Illness other than specified under policy Any illness other than the 16 major illnesses specified under this policy

How to claim

You can contact the insurer (Aditya Birla Health Insurance) to claim the benefits of the Surgical Cover for female only (18-40 years) 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 - 1800-270-7000 and claim the benefits

  • Documents required to claim

    Documents required to claim

    To claim the benefits of the Surgical Cover for female only (18-40 years), 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 Cover for female only (18-40 years)?

Surgical Cover for female only (18-40 years) is an insurance product from Aditya Birla Health Insurance offered by Bajaj Finance. It provides women with the financial support necessary for medical expenses associated with hospitalisation and treatment related to 16 specified critical illnesses.

What is the claim process for Surgical Cover for female only (18-40 years)?

You can contact the insurer by writing to them at or calling on the toll-free number 1800-270-7000.

What is the coverage under Surgical Cover for female only (18-40 years)?

Surgical Cover for female only (18-40 years) protects women against the medical costs arising from surgical expenses from 16 major illnesses, including hospitalisation, medications, room rent, ICU room charge, and ambulance costs.

Does this policy provide coverage for pre-and post-hospitalisation expenses?

Yes, pre- and post-hospitalisation expenses of 30 & 60 days respectively are covered under this policy.

What is the premium and insured sum for the Surgical Cover for female only (18-40 years) policy?

The premium for the policy is Rs. 4,248 for a sum insured of up to Rs. 5 lakh.


*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 Co. 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 Protect Policy, UIN: ADIHLGP22023V032122. 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.