Disabilities arising out of surgeries, may burden an individual’s financial condition. It is best to get financial protection against these unforeseen circumstances with an insurance policy.
FlexiCare Group Insurance Policy - Surgery Permanent Total 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 total disablement.
Sum insured up to |
Premium (including GST) |
Rs. 20,000 |
Rs. 44 |
Eligibility: This plan can be taken by individuals between the age of 18 and 65, as on the last birthday
Plan Validity: The plan is valid for a tenor of one year.
This policy provides a cover of up to Rs. 20,000 per month for 90 days. 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 total disablement of the nature specified below, the cash coverage will be payable. The illness or accident must occur within the policy year. The cash benefit is payable as per the policy schedule within 365 days from the date of the injury if caused due to an accident. For this cover, limb means a hand at or above the wrist or a foot below the ankle. Physical separation of one hand or foot stands for separation at or above the wrist and/or above the ankle, respectively. The cover will be payable if:
Nature of Permanent Total Disablement |
Total and irrecoverable loss of sight in both eyes |
Loss by physical separation or total and permanent loss of use of both hands or both feet |
Loss by physical separation or total and permanent loss of use of one hand and one foot |
Total and irrecoverable loss of sight in one eye and loss of a Limb |
Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye |
Total and irrecoverable loss of hearing in both ears and loss of speech |
Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye |
Permanent, total and absolute disablement (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living |
Waiting Period
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:
skin tumours, and any Breast lumps (unless malignant), Polycystic Ovarian diseases.
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.
Here's what is not covered under this plan.
*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.