If the patient is unable to rejoin their primary occupation due to a surgery, this situation can mean a loss in the daily income. An insurance policy that offers a cash pay-out for permanent partial disablement due to surgery can help relieve the patient of some financial stress.
FlexiCare Group Insurance Policy - Surgery Permanent Partial Disablement Cash 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 an accident covered under the policy and suffers from permanent partial disablement.
Sum insured up to
Premium (including GST)
Rs. 20,000 per 30 days up to a maximum of 90 days
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 the policyholder suffers from an injury due to an accident covered under the policy and directly results in undergoing a surgical procedure covered under the policy and suffers permanent partial disablement of the nature specified below, the cash cover will be payable. The illness or accident must occur within the policy year. The cash coverage is payable as per the policy schedule within 365 days from the date of the injury if caused due to an accident.
The initial waiting period for this cover is 30 days, whereas the waiting period for a 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:
|Nature of Permanent Partial Disablement||Percentage of the Sum Insured payable unless specified otherwise|
|i. Total and irrecoverable loss of sight in one eye||50%|
|ii. Loss of one hand or one foot||50%|
|iii. Loss of all toes - any one foot||10%|
|iv. Loss of toe great - any one foot||5%|
|v. Loss of toes other than great, if more than one toe lost, each||2%|
|vi. Total and irrecoverable loss of hearing in both ears||50%|
|vii. Total and irrecoverable loss of hearing in one ear||15%|
|viii. Total and irrecoverable loss of speech||50%|
|ix. Loss of four fingers and thumb of one hand||40%|
*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 email@example.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.