Surgery Education Fund Benefit Cover

What is the Surgery Education Fund Benefit?

As education becomes increasingly important and the cost of education continues to rise, it’s important to insure your child’s education. Choosing a comprehensive insurance plan can alleviate a lot of stress by helping you manage your child’s education costs. 

Bajaj Markets brings to you the FlexiCare Group Insurance Policy – a Surgery Education Fund Benefit from Manipal Cigna Health Insurance. 

This policy plan supports a dependent child’s education if the policyholder sustains an accident that causes permanent total disablement, you can purchase this cover for just Rs. 39/year.

That’s about it! You’ll receive your membership details and welcome pack on your registered email ID.

Eligibility Criteria

Individuals between the ages of 18 and 65 are eligible for this surgery cover.

Policy Plan Details & Specifications

This plan is valid for a period of one year. 

What’s Not Covered?

Any pre-existing diseases.

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

Waiting Period

Waiting Period for Specific Diseases and Procedures

A waiting period from the inception date specified in the policy document or insurance certificate shall be considered for any treatments, medical or surgical expenses, or other complications resulting during treatment.

 The waiting periods shall apply to the following diseases as per the durations mentioned in the policy document or insurance certificate:

a) Cataract

b) Hysterectomy for menorrhagia, fibromyoma or prolapse of uterus unless necessitated by malignancy myomectomy for fibroids

c) Knee replacement surgery (other than that caused by an accident), gout, rheumatism, osteoarthritis,non-infectious arthritis  and osteoporosis, joint replacement surgery (other than that caused by an accident), prolapse of intervertebral discs (other than that caused by an accident), all vertebrae disorders, including but not limited to spondylitis, spondylosis, spondylolisthesis, congenital internal. 

d) Varicose ulcers and varicose veins

e) Biliary systems and stones in the urinary urogenital, including calculus diseases.

f) Benign prostate hypertrophy and all types of hydrocele

g) Fissure, fistula in anus, pilonidal sinus, piles, all types of hernia, haemorrhoids and an abscess related to the anal region

h) Chronic suppurative otitis media, sinusitis and related disorders, deviated nasal septum, surgery on tonsils/adenoids, nose and throat disorder or surgery, tympanoplasty and any other benign ear

i) Gastric and duodenal ulcer, polycystic ovarian diseases, any cysts/nodules/polyps/internal tumours/skin tumours and any breast lumps (unless malignant)

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

If these diseases are pre-existing at the time of the proposal or subsequently found to be pre-existing, the pre-existing disease waiting periods as mentioned in the policy document or certificate of insurance shall apply.

How to Make a Claim

You can raise a claim by contacting the insurer via any of these modes:

Email- servicesupport@manipalcigna.com

Toll-free number- 1800-102-4462

Customer Care Details

You can connect with us at Bajaj MARKETS by writing to us at:insuranceconnect@bajajfinservmarkets.in in case of any queries.