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Surgery - Spouse Benefit Cover Plan

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Unforeseen circumstances like accidental surgeries, illness and injuries require access to urgent finances. These expenses may dent your savings but with FlexiCare Group Insurance Policy - The surgery Spouse Benefit from Manipal Cigna Health Insurance you can get coverage against such risks. This cover offers a payout to the widowed spouse of the policyholder after the insured person undergoes a medical treatment following an illness or an accident covered under the policy.

Plan Details

Sum Insured up to

Premium Including GST 

Rs. 1 lakh

Rs. 84

Rs. 2 lakh

Rs. 149

Eligibility: You are eligible for the Surgery Spouse Benefit between 18 and 65 years of age. The age is determined based on the last birthday.

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

What's Covered

  • Money-in-bank

    Surgery Spouse Benefit

    If the policyholder suffers from an illness or injury due to an accident, covered under the policy, and as a direct result requires hospitalization to undergo a surgical procedure, covered under the policy and suffers permanent total disablement or permanent partial disablement, the sum insured will be paid. The accident or illness must occur during the policy year. The payout will be as per the specifications under the policy schedule or certificate of insurance. The sum insured will be paid to the widowed spouse of the policyholder, irrespective of whether the spouse is insured under the policy.

What's not covered?

  • Any pre-existing disease

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

Initial Waiting Period

Specific Illness Waiting Period

30 days

24 months

Specified disease or procedure waiting period

A Waiting Period, since the Inception Date of the cover, specified in the Policy Schedule or Certificate of Insurance 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 an 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 any 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 type of Cysts/Nodules/Polyps/internal tumours/ skin tumours, and any type of 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 Diseases, the Pre-Existing Disease Waiting Periods as mentioned in the Policy Schedule/ 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/WhatsApp.

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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