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Surgery- Permanent Total Disablement Cover

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Disabilities resulting from surgical procedures due to an illness or injury caused by accident, can hinder one’s ability to earn a regular living, cover household expenses and save for the future. To protect yourself against such risks in the event of such unforeseen circumstances, you can cover these expenses with an insurance policy. FlexiCare Group Insurance Policy - The Surgery - Permanent Total Disablement Cover from Manipal Cigna Health Insurance offers a payout if the policyholder undergoes a surgical procedure due to an illness or injury caused by accident, covered under the policy and suffers from permanent total disablement.

Plan Details

Sum Insured up to

Premium Including GST

Rs. 50,000

Rs. 54

Eligibility: You are eligible for the surgery Permanent Total Disablement benefit if you are between 18 and 65 years of age, as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    Surgery Permanent Total Disablement Cover

    If the policyholder suffers from an illness or 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 sum insured will be payable. The illness or accident must occur within the policy year. The sum insured is payable as per the policy schedule within 365 days from the date of the injury, if caused due to accident.

What's not covered?

Any pre-existing diseases.

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

Name of the Waiting Period

Waiting Period

Initial Waiting Period

30 days

Specific Illness waiting period

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:

a) Cataract.

b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids.

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, Congenital Internal.

d) Varicose Veins and Varicose Ulcers.

e) Stones in the urinary urogenital and biliary systems, including calculus diseases.

f) Benign Prostate Hypertrophy, all types of Hydrocele.

g) Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids, and an abscess related to the anal region.

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.

i) Gastric and duodenal ulcer, any Cysts/Nodules/Polyps/internal tumours/

skin tumours, and any Breast lumps (unless malignant), Polycystic Ovarian diseases.

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.

How to apply


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.

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email:
  • Insurer’s Toll free number: 1800-102-4462

Contact us

For queries related to coverage, exclusions, or claims, please write to us at

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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