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Surgical Hospitalisation & Road Ambulance Benefit Cover

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In case a patient needs to undergo a surgical procedure, an insurance policy that covers the expenses of hospitalization and transportation to the nearest hospital via a road ambulance can be extremely helpful. It can relieve the family of financial constraints and allow it to focus solely on the treatment and recovery.
FlexiCare Group Insurance Policy - Surgical Hospitalization and Road Ambulance Cover from Manipal Cigna Health Insurance Co. Ltd. offers cover against any expenses incurred in case the policyholder undergoes a surgical procedure and needs to be transported to the nearest medical facility via a road ambulance. There is also a hospitalization cover under this product.

Plan Details

Sum Insured (Surgical Hospitalization)

Sum Insured (Road Ambulance)

Premium Including GST

Rs. 50,000

Rs. 2,000

Rs. 719

Rs. 1 lakh

Rs. 2,000

Rs. 1,379

Eligibility: You are eligible for Surgical Hospitalisation and Road Ambulance Benefit Cover 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

    Surgical Hospitalisation

    If during the policy year, the policyholder suffers an illness or injury due to an accident and needs to undergo a surgical procedure, covered under the policy, the sum insured will be paid as specified in the policy schedule, in case of in-patient hospitalisation, provided that the surgery is medically necessary and admission date of the hospitalisation is within the policy year.


    1. Nervous system

    1. Endocrine

    Total thyroidectomy
    iii) Eye
    LASIK- Laser-Assisted In-Situ Keratomileusis
    1. iv) ENT

    Excision of polyp
    Myringoplasty or Tympanoplasty
    1. v) Cardiovascular

    Coronary Angiogram (CAG)
    Angioplasty (PTCA)
    Coronary Artery
    Bypass Graft (CABG)
    Hernia repair
    1. vi) Urinary

    Extracorporeal shockwave lithotripsy (ESWL)
    Surgery for Renal
    vii) Female reproductive
    Bone, cartilage and joint
    Organ removal

  • Money-in-bank

    Surgery Road Ambulance

    If during the policy year the policyholder suffers an injury due to an accident covered under the policy, the reasonable and customary charges incurred will be paid towards transportation of the policyholder by a registered healthcare or ambulance service provider to a hospital for treatment in case of an emergency. The necessity of the use of an ambulance must be certified by the treating medical practitioner. The benefit will be paid up to the limits specified in the policy schedule.

    Waiting Period

    The initial waiting period for this cover is 30 days, whereas the waiting period for a specific illness is 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: 

    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, 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. Any pre-existing disease is not covered under this policy.
  2. Cover is not eligible for non-continuous hospitalisation or continuous hospitalisation less than 96 hours.
  3. The policy can be availed only once in a policy year.

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

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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