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Surgery - Loss of Family Earning

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After undergoing surgery, if the sole breadwinner of the family suffers from permanent total disablement, permanent partial disablement, temporary total disablement, or coma and cannot fulfil all the duties or responsibilities of their occupation, it can make the family financially unstable. Availing an insurance policy that offers a cash pay-out to the dependents of the patients can ensure that they are protected against such risks.
FlexiCare Group Insurance Policy - Surgery Loss of Family Earning from Manipal Cigna Health Insurance Co. Ltd. offers a cash pay-out to the policyholder’s dependents in case the policyholder undergoes a surgical procedure due to an illness or injury caused by an accident covered under the policy and is unable to engage in their occupation.

Plan Details

Sum insured up to

Premium (including GST)

Rs. 25000 per month

Rs. 69

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.

What's Covered

  • Money-in-bank

    Surgery Loss of Family Earning Cash

    The policy offers Rs. 25000 per month for 90 days

    If during the policy year, the policyholder suffers an illness or injury due to an accident and needs to undergo a surgical procedure, covered under the policy and post-surgery suffers from permanent total disablement, permanent partial disablement, temporary total disablement or coma, and is disabled from engaging in their primary occupation and loses the primary source of income generation, the cash coverage will be paid up to the limit as specified in the policy schedule. The payout is in respect of a dependent child (children) under the age of 25 years as on the date of occurrence (unless specified otherwise), dependent spouse, dependent parent irrespective of whether they are insured under this policy. 

    Any claim towards this cover that becomes admissible where the dependent child (children) is a minor, shall be payable to the legal guardian. If the policyholder has more than one dependent, the sum insured as specified under this cover shall be divided equally among all eligible dependents. 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: 

    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, or 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 tumors/ 

    skin tumors, 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.

What is Not Covered / Exclusions

Medical treatment for any pre-existing diseases is not covered under this policy.

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

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: servicesupport@manipalcigna.com
  • 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 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.

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