After surgery, if the patient is unable to fulfil all the duties or responsibilities of their occupation, it may incur financial instability. An insurance policy that offers a pay-out for such times until the patient secures employment can help relieve the patient of some financial burden.
FlexiCare Group Insurance Policy - Surgery EMI Protection Cover from Manipal Cigna Health Insurance Co. Ltd. offers a pay-out in case the policyholder undergoes a surgical procedure due to an illness or injury caused by accident covered under the policy and is unable to engage in their occupation.
Sum insured up to |
Premium Including GST (Rs.) (1 EMI) |
Premium Including GST (Rs.) (2 EMI) |
Rs. 10,000 |
Rs. 24 |
Rs. 34 |
Rs. 25,000 |
Rs. 39 |
Rs. 54 |
Rs. 50,000 |
Rs. 54 |
Rs. 89 |
Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken as on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
If during the policy year, the policyholder suffers from an illness or injury due to an accident and needs to undergo a surgical procedure, covered under the policy, and directly results in the permanent total disablement, permanent partial disablement, or coma post-surgery and completely prevents the policyholder from performing each duty of their employment for a minimum of one month, the amount will be payable in commensuration to the policyholder's contribution in EMI of the existing insurance-linked loan account, up to the limit as specified in the policy schedule.
Under this cover, the liability of the insurer shall cease once the policyholder engages in the same or any alternative occupation.
The insurer will not be liable to pay for any penalty or arrears which may have accumulated due to delayed or missed EMI’s prior to the date of the accident.
Note: For definitions of permanent total disablement, permanent partial disablement, temporary total disablement, or coma, please refer to the product brochure before concluding a sale.
Waiting Period
The initial waiting period for this cover is 30 days, whereas the waiting period for specific illness is 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:
*For a complete list of exclusions, please refer to the policy wordings.
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.
In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.
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.