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Disabilities from an illness or injury caused by an accident can render an individual unable to continue in their current occupation, disrupting their source of income and straining household budgets and savings. To keep individuals protected against such risks, Bajaj Finserv offers FlexiCare Group Insurance Policy – Surgery Permanent Total Disablement Cover from Manipal Cigna Health Insurance. The plan offers a payout if the insured person undergoes surgery due to an injury caused by an accident covered under the policy that results in permanent total disability.

Plan details

Sum insured

Premium including

Rs. 50,000

Rs. 54

Eligibility: Those aged between 18 and 65 are eligible for this total disablement insurance.

Validity: 1 year

What's covered

  • Money-in-bank

    Permanent total disablement insurance

    A percentage of the sum insured will be payable if an injury or illness because of an accident leads to permanent total disablement of a nature specified in the policy and requires surgery. The accident must occur during the policy period. The disablement or illness must happen within 365 days of it.

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

Waiting period for specific diseases and procedures

A waiting period from the date of inception specified in the policy schedule or insurance certificate shall be considered for any treatments, medical or surgical expenses, or other complications resulting during treatment. The waiting periods shall apply to the following diseases as per the durations mentioned in the policy schedule or insurance certificate:

a) Cataract

b) Hysterectomy for menorrhagia, fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids

c) Knee replacement surgery (other than that caused in an accident), non-infectious arthritis, gout, rheumatism, osteoarthritis and osteoporosis, joint replacement surgery (other than that caused in an accident), prolapse of intervertebral discs (other than that caused in an 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 anus, piles, all types of hernia, pilonidal sinus, haemorrhoids and an abscess related to the anal region

h) Chronic suppurative otitis media, 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 at the time of the proposal or subsequently found to be pre-existing, the pre-existing disease waiting periods as mentioned in the policy schedule or certificate of insurance 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.

Claim process

You can raise a claim by contacting the insurer in one of the following ways:

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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