Unforeseen events like surgeries can result in disabilities due to which the patient might need to modify their house or vehicle. In such unfortunate cases, one may require a financial cushion to accommodate the injury or even to alter one’s home or vehicle. FlexiCare Group Insurance Policy - Surgical Modification Allowance Cover from Manipal Cigna Health Insurance Co. Ltd. offers coverage for lifestyle modification in case of disabilities caused by surgical procedures.
Sum insured up to
Premium (including GST)
Eligibility: Individuals between the age of 18 and 65 years can avail this plan. The age is taken 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 and suffers permanent total disablement, permanent partial disablement, critical illness or terminal illness, and post-surgery is disabled to an extent which necessarily requires to modify their vehicle or house to adjust to the disablement, the sum insured will be paid as specified in the policy schedule.
The initial waiting period for this cover is 30 days, whereas the waiting period for specific illness is 24 months.
Note: For definitions of permanent total disablement, permanent partial disablement, temporary total disablement, or coma, please refer to the product brochure before concluding a sale.
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.
In case you have any queries about coverage, exclusions, or claims, please write to us at firstname.lastname@example.org.
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.