When a patient undergoes surgery, it is often recommended by medical practitioners that the patient take a medical trip to a different city for a second opinion. Although this trip is necessary for the patient's health, it can sometimes seem too expensive for families.
FlexiCare Group Insurance Policy - Surgical Hospitalization and Follow up Medical Trip Benefit from Manipal Cigna Health Insurance Co. Ltd. offers cover against hospitalization due to a surgical procedure and the expenses incurred during a medical follow-up trip. There is also a hospitalization cover under this product.
Sum Insured up to (Surgical Hospitalization) |
Sum Insured up to (Follow up Trip) |
Premium Including GST (Rs.) |
Rs. 50,000 |
Rs. 5,000 |
Rs. 724 |
Rs. 100000 |
Rs. 5,000 |
Rs. 1,384 |
Eligibility: You are eligible for Surgical Hospitalization and Follow up Medical Trip Benefit 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.
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.
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, that results in a severe trauma or advised amputation that requires follow up treatment to be taken outside the territorial limits of the city of residence within the territorial boundaries of India, the cost of traveling (return trip) and cost pertaining to boarding and lodging during the duration of such treatment will be paid.
Waiting Period
The initial waiting period for this cover is 30 days, whereas the waiting period for 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:
*For a complete list of exclusions, please refer to the policy wordings.
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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.
For queries related to coverage, exclusions, or claims, please write to us at pocketservices@bajajfinserv.in
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.