null

Surgery Rehabilitation Cover Package

Quick Connects Buy Now

Opting for rehabilitation after surgery, as per recommendation of a medical practitioner, is a good idea as it offers the patient the chance to make a steady recovery. However, the expenses incurred during such rehabilitation can be difficult for patients to bear on short notice after a surgical procedure.
FlexiCare Group Insurance Policy - Surgery Rehabilitation Cover from Manipal Cigna Health Insurance Co. Ltd. offers you coverage if the policyholder requires rehabilitation after surgery.

Plan Details

Sum Insured (Rs.)

Premium (including GST) 

Rs. 5,000

Rs. 214

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: 1 year

What's Covered

  • Money-in-bank

    Accidental Rehabilitation Cover

    If during the policy year, the policyholder suffers an injury due to an accident covered under the policy and is required to undergo a surgery, post which avails a specialist consultation, counselling, extended physiotherapy at a recognized rehabilitation unit, the sum insured will be paid as specified in the policy schedule, for medical expenses towards rehabilitation.

    Waiting Period
    The initial waiting period for this cover is 30 days, whereas the waiting period for specific illness is 24 months.

    The benefit is payable subject to being medically necessary and recommended by the treating medical practitioner.

    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: 

    1. a) Cataract.
    2. b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids.
    3. 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, or Congenital Internal. 
    4. d) Varicose Veins and Varicose Ulcers.
    5. e) Stones in the urinary urogenital and biliary systems, including calculus diseases. 
    6. f) Benign Prostate Hypertrophy, all types of Hydrocele. 
    7. g) Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids, and an abscess related to the anal region. 
    8. 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.
    9. i) Gastric and duodenal ulcer, any Cysts/Nodules/Polyps/internal tumours/ 

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

    1. 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.

What is Not Covered / Exclusions

  1. Coverage for more than 1 injury within a policy year.
  2. Medical treatment for any pre-existing diseases.
  3. Hospitalization for less than 48 hours.
  4. The cover is limited to only post-hospitalization.

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

How to Apply

Click on ‘Apply Now’ button 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

To raise a claim for your policy, you can contact the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

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.

Subscribe Now