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An accident may result in grave injuries and complications that could lead to disability, which may affect one’s source of income and ability to manage household expenses. Looking after dependent children could be a further concern. FlexiCare Group Insurance Policy – Surgery Dependent Children Benefit from Manipal Cigna Health Insurance offers a payout to the dependent child or children if the insured person undergoes surgical treatment for an accident that leads to a permanent total or partial disablement.

Plan details

Premium including GST

Sum insured

Rs. 49

Rs. 50,000

Eligibility: Those in the 18-65 age group are eligible for the surgery - dependent children insurance plan.

Validity: 1 year

What's covered

  • Money-in-bank

    Dependent Child Cover

    The sum insured will be paid if the policyholder suffers from an illness or injury in an accident that directly results in permanent total or partial disablement and requires surgery. The accident or illness must occur within the policy year, with the surgery taking place within 365 days of the accident. The payout will be as specified in the policy schedule. Dependent children under the age of 25 will be eligible for the payout irrespective of whether they are insured.

    The legal guardian will receive the payout if the dependent child is a minor. If the policyholder has one child, the sum insured shall be paid entirely to that child. The sum insured shall be divided equally among all eligible children for more than one child.

What's not covered

Any pre-existing diseases

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

Waiting Period

Initial waiting period

Specific illness waiting period

30 days

24 months

Waiting period for specific diseases and procedures

A waiting period from the date of inception specified in the policy schedule or insurance certificate shall be considered for any treatments, medical or surgical expenses, or other complications resulting during treatment. The waiting periods shall apply to the following diseases as per the durations mentioned in the policy schedule or insurance certificate:

a) Cataract

b) Hysterectomy for menorrhagia, fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids

c) Knee replacement surgery (other than that caused in an accident), non-infectious arthritis, gout, rheumatism, osteoarthritis and osteoporosis, joint replacement surgery (other than that caused in an accident), prolapse of intervertebral discs (other than that caused in an accident), all vertebrae disorders, including but not limited to spondylitis, spondylosis, spondylolisthesis, congenital internal

d) Varicose veins and varicose ulcers

e) Stones in the urinary urogenital and biliary systems, including calculus diseases.

f) Benign prostate hypertrophy; all types of hydrocele

g) Fissure, fistula in anus, piles, all types of hernia, pilonidal sinus, haemorrhoids and an abscess related to the anal region

h) Chronic suppurative otitis media, deviated nasal septum, sinusitis and related disorders, surgery on tonsils/adenoids, tympanoplasty and any other benign ear, nose and throat disorder or surgery

i) Gastric and duodenal ulcer, any cysts/nodules/polyps/internal tumours/skin tumours and any breast lumps (unless malignant), polycystic ovarian diseases

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

If these diseases are pre-existing at the time of the proposal or subsequently found to be pre-existing, the pre-existing disease waiting periods as mentioned in the policy schedule or certificate of insurance 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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