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The costs incurred during surgical hospitalizations can often seem very expensive to families. If the costs of procuring medical appliances are added to the expenses, they can put the family under a lot of financial stress. An insurance policy that covers such costs can greatly benefit families and offer some financial relief.
FlexiCare Group Insurance Policy - Surgical Hospitalization and Medical Appliances Benefit from Manipal Cigna Health Insurance Co. Ltd. offers cover against hospitalization due to a surgical procedure and the costs of purchasing medical appliances. There is also a hospitalization cover under this product.

Plan Details

Sum Insured up to (Surgical Hospitalization)

Sum Insured up to (Medical Appliance)

Premium (including GST)

Rs. 50,000

Rs. 5,000

Rs. 764

Rs. 1 lakh

Rs 5,000

Rs. 1,424

Eligibility: You are eligible for Surgical Hospitalization and Medical Appliances 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.

What's Covered

  • Money-in-bank

    Child Education

    Get a cover of Rs. 20,000 per month for up to 90 days

    If the policyholder suffers from an illness or injury caused by an accident covered under the policy that directly results in permanent total disablement, the sum insured will be paid. The accident or illness must occur within the policy year. The payout will be as specified in the policy schedule regarding the tuition fees paid towards the dependent child’s education for the policy period. The payout will be irrespective of whether the child (children) is insured under this policy. 

    This cover shall be payable to the dependent child being up to 25 years of age as on the event's date of occurrence (unless specified otherwise). The dependent child must pursue an educational course as a full-time student at an accredited educational institution. The payout is provided subject to the condition that the dependent child does not have any independent source of income. 

    Any claim becomes admissible where the dependent child (children) is a minor shall be payable to the legal guardian. If the policyholder has one child, the sum insured shall be paid entirely to the child. If the policyholder has more than one child, the sum insured shall be divided equally among eligible children.

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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