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Surgical Cash

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During surgery, there is a significant outflow of funds, causing a great deal of financial stress on the patient's family. Having a care package that provides a reasonable amount of money every day can help alleviate financial stress caused due to high surgical treatments. At a premium of just Rs. 214, Bajaj Finserv's Surgical Cash Package gives a sum of Rs. 2,000 daily for a period of 30 days to the insured individual in the event of a surgical treatment

Plan Details

Sum Insured Premium Including GST
Rs. 2,000 Rs. 214

Eligibility: Individuals between the age of 18 and 65 years can avail of this plan. The age is taken as on the last birthday.

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

What's covered?

  • Money-in-bank

    Surgical cash cover

    If during the Policy Year, the Insured Person suffers an Illness/ Injury due to an Accident and directly results in the Hospitalization of the Insured Person to undergo a Surgical Procedure, the cash benefit will be paid, up to the limit for each continuous and completed period of Hospitalization as specified in the Policy Schedule/ Certificate of Insurance, provided that the purpose of Hospitalization is to avail Medically Necessary Treatment of the Insured Person and admission date of Hospitalization is within the Policy Year.

    • Get coverage of Rs. 2,000 per day for maximum up to 30 days with premiums of Rs. 214 including taxes.
    • In the event of hospitalisation, the policyholder gets a daily cash allowance of Rs. 2,000 upto 30 days to take care of the day-to-day expenses.

     

    • Waiting Period

    - Initial waiting period is 30 days

    - Specific Illness Waiting period is 2 years

    • Tax Benefit on Premium

     

    • Specified disease/procedure Waiting period

     

    A Waiting Period, since the Inception Date of the cover, specified in the Policy Schedule/Certificate of Insurance shall apply to any treatments, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards:

    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, Oestoarthritis and Osteoposrosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral discs (other than caused by Accident), all Vertibrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal,

    d) Varicose Veins and Varicose Ulcers,

    e) Stones in the urinary uro-genital 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, 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 tumors/

    skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarianv Diseases,

    j) Any Surgery of the genito-urinary system unless necessitated by malignancy.

    Note: 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.

What's Not Covered/Exclusions

  • Hospitalization for a period of less than 72 hours
  • Any Pre-existing Disease

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

How to apply?

Applying for the Surgery - Surgical Cash cover requires you to fill in the online application form and pay the premium using your preferred mode of payment. Here is the step-by-step process to complete the purchase.

Step 1: Click on ‘Apply Now’ button and share your basic details in the online application form.

Step 2: Check & Confirm your application by entering the OTP received on your mobile number.

Step 3: Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

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

You can raise a claim by reaching out to 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.

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