When diagnosed with a critical condition, it is often recommended to get a second medical opinion. Getting a second medical opinion is deemed as one of the more reliable ways to rule out certain reservations about the condition and the treatment. However, the costs to seek a second medical opinion can often seem quite high.
FlexiCare Group Insurance Policy - Surgery Medical Second Opinion Benefit from Manipal Cigna Health Insurance Co. Ltd. covers the expenses of seeking medical advice from a network of medical practitioners.
Sum insured up to
Premium (including GST)
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 is diagnosed with a critical illness, permanent total disablement, permanent partial disablement, or temporary total disablement and advised surgery by a medical practitioner, then the policyholder may choose to secure a second opinion from a specialist for such treatment, from a network of medical practitioners. Such opinion from the network of medical practitioners shall be directly sent to the policyholder.
The policyholder understands and agrees that they can exercise the option to secure an expert opinion, provided that:
|1. Cancer of specific severity||2. Aorta Graft Surgery||3. Apallic Syndrome|
|4. Myocardial Infarction (First Heart Attack – of Specific Severity)||5. Deafness (Loss of Hearing)||6. Parkinson’s Disease|
|7. Open Chest CABG||8. Blindness (Loss of Sight)||9. Medullary Cystic Disease|
|10. Open Heart Replacement or Repair of Heart Valves||11. Aplastic Anaemia||12. Muscular Dystrophy|
|13. Coma of Specified Severity||14. Coronary Artery Disease||15. Loss of Speech|
|16. Kidney Failure Requiring Regular Dialysis||17. End-Stage Lung Disease||18. Systemic Lupus Erythematosus|
|19. Stroke Resulting in Permanent Symptoms||20. End-Stage Liver Failure||21. Loss of Limbs|
|22. Major Organ/ Bone Marrow Transplant||23. Third Degree Burns (Major Burns)||24. Major Head Trauma|
|25. Permanent Paralysis of Limbs||26. Fulminant Hepatitis||27. Brain Surgery|
|28. Motor Neurone Disease with Permanent Symptoms||29. Alzheimer’s Disease||30. Cardiomyopathy|
|31. Multiple Sclerosis with Persisting Symptoms||32. Bacterial Meningitis||33. Creutzfeldt-Jakob Disease (CJD)|
|34. Primary Pulmonary Hypertension||35. Benign Brain Tumour||36. Terminal Illness|
*For a complete list of exclusions, please refer to the policy wordings.
In case you have any queries about coverage, exclusions, or claims, please write to us at firstname.lastname@example.org.
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.