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To attain stability in different spheres of life, one must remain prepared for all kinds of emergencies. While insurance is easily available for health, life or assets, it is important to get covered against risks of loss of livelihood in the event of an injury or illness due to an accident. Loss of livelihood in such circumstances can impose substantial financial strain on families and loved ones. However, you can safeguard your family’s primary income easily, by availing an insurance policy to cover such risks. FlexiCare Group Insurance Policy - The Loss of Earning Due to Surgery Benefit from Manipal Cigna Health Insurance provides coverage against the risks of loss of earning, in conditionswhere the policyholder cannot return to work due to an injury or illness.

Plan Details

Sum Insured up to

Premium Including GST

Rs. 25000

Rs. 39

Rs. 50000

Rs. 54

Eligibility: You are eligible for the Surgery Loss of Earning benefit if you are between 18 and 65 years of age, as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    Surgery Loss of Earning Cover

    The plan covers risks in situations where the policyholder suffers from an illness or injury due to an accident covered under the policy and needs to undergo a surgical procedure covered under the policy and suffers from permanent total disablement, permanent partial disablement, temporary total disablement, or coma. As a result, if policyholders get differently-abled and cannot engage in their primary occupation, thereby losing their source of income generation, the sum insured will be paid as per limit as specified in the policy schedule. The illness or accident must take place during the policy year.

What's not covered?

Any Pre-existing Diseases.

*For a complete list of exclusions, please refer to the policy wordings.


Initial Waiting Period

30 days

Specific Illness Waiting Period

24 months

Specified disease or procedure waiting period

Since the inception date of the cover, a waiting period specified in the policy schedule shall apply to all treatments. The following treatments, medical or surgical, for all medical expenses along with their complications, are not covered:

  1. a) Cataract.
  2. b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids.
  3. c) Knee replacement surgery (other than caused by accident), non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by accident), prolapse of intervertebral discs (other than caused by accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal.
  4. d) Varicose Veins and Varicose Ulcers.
  5. e) Stones in the urinary urogenital and biliary systems, including calculus diseases.
  6. f) Benign Prostate Hypertrophy, all types of Hydrocele.
  7. g) Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids, and an abscess related to the anal region.
  8. h) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis, and related disorders, surgery on tonsils/Adenoids, Tympanoplasty, and any other benign ear, nose, and throat disorder or surgery.
  9. i) Gastric and duodenal ulcer, any Cysts/Nodules/Polyps/internal tumours/

skin tumours, and any breast lumps (unless malignant), Polycystic Ovarian diseases.

  1. j) Any Surgery of the Genito-urinary system unless necessitated by malignancy.

If these diseases are pre-existing diseases at the time of proposal or subsequently found to be pre-existing, the waiting periods mentioned in the policy schedule shall apply.

How to apply


Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.


Check and confirm your application by entering the OTP received on your mobile number.


Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.


You will receive the details of your membership via email/WhatsApp.

Claim process

You can raise a claim by contacting the insurer in one of the following ways:

Contact us

For queries related to coverage, exclusions, or claims, please write to us at

Disclaimer - 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. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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