Surgery Education Fund Cover

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The rising costs of education have made it very difficult for Indian households to manage expenses. These high costs can be even more challenging to manage, in case of unforeseen events, where the sole breadwinner undergoes surgical treatments resulting in permanent total disablement. Taking an insurance to cover your child’s education expenses, can help you manage expenses without any financial roadblocks. FlexiCare Group Insurance Policy - The Surgery - Education Fund Benefit from Manipal Cigna Health Insurance supports the education of the dependent child, if the policyholder undergoes a surgical treatment that leads to permanent total disablement. The payout can help your family manage your child’s education.

Plan Details

Sum Insured up to

Premium Including GST

Rs. 50000

Rs. 39

Eligibility: You are eligible for the Surgery Education Fundcoverage if you’re 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

    Child Education Cover

    If the policyholder suffers from an illness or injury caused by accident covered under the policy and needs to undergo a surgical procedure that directly results in permanent total disablement, the sum insured will be paid. The accident or illness must occur within the policy year. The payout will be as specified in the policy schedule regarding the tuition fees paid towards the dependent child’s education for the policy period. The payout will be irrespective of whether the child (children) is insured under this policy.

What's not covered?

Any pre-existing diseases.

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

Waiting Period

Name of the Waiting Period

Waiting Period

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:

a) Cataract.

b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids.

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.

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 the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids, and an abscess related to the anal region.

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.

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 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 ‘Apply Now’ button 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 reaching out to the insurer via one of the following ways:
  • Insurer’s Email:
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about 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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