If one undergoes a surgery, they might suffer from permanent partial or permanent total disablement, or coma, or temporary total disablement. This might result in them being unable to fulfil their occupational duties or responsibilities, thereby making them financially strained. Hence, it is very important to have a medical plan for such unforeseen circumstances.
Bajaj Markets brings to you FlexiCare Group Insurance Policy - Surgery Loss of Earning Cash from Manipal Cigna Health Insurance Co. Ltd. It offers pay-out in case of a surgery due to an injury or an illness caused because of an accident, making them unable to take care of their occupation. You can get this insurance policy at a premium of just Rs. 69/year. Read on to know more about this plan.
The application process for this plan is simple and straightforward. Here’s how you can get started:
After this, you will receive your membership details and welcome pack on your registered email ID.
To opt for the Surgery Loss of Earning Cash Insurance plan, you need to meet the basic eligibility parameters listed below:
● Applicants must be an Indian resident.
● Applicant’s age should be between 18 and 65 years.
Sum Insured up to
Premium Including GST
Rs. 25,000 up to a maximum of 90 days
The sum insured is Rs. 2000 for each day, with a cap of 30 days.
This plan will be valid for a period of 1 year.
Here’s what’s not covered under the Surgery Loss of Earning Cash insurance policy:
Any disease that existed before the commencement of this policy.
If there’s an illness or an injury that occurs before the initial waiting span of 30 days.
You cannot enjoy this benefit if you’re not a salaried employee.
Following surgery, medical treatment expenses:
Varicose Ulcers and Varicose Veins.
Hysterectomy for Menorrhagia or prolapse of uterus or Fibromyoma, if it is not necessitated by malignancy myomectomy for fibroids.
Knee replacement surgery (unless caused because of an accident), Rheumatism, Gout, Osteoarthritis and Osteoporosis, Congenital Internal, non-infectious Arthritis, Joint Replacement Surgery (other than caused by accident), , all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, prolapse of intervertebral discs (unless caused because of an accident), and Spondylolisthesis.
Benign Prostate Hypertrophy, every Hydrocele type.
Stones in the urinary urogenital and biliary systems, including calculus diseases.
Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids, and an abscess related to the anal region.
Gastric and duodenal ulcer, Sinusitis, any Cysts/Nodules/Polyps/internal tumours/
Chronic Suppurative Otitis Media (CSOM), Tympanoplasty, and related disorders, surgery on tonsils/Adenoids, Deviated Nasal Septum, and any other benign ear, nose, and throat disorder or surgery.
Any Surgery of the Genito-urinary system if it is not necessitated by malignancy.
Skin tumours, and any Breast lumps (unless it is necessitated by malignancy), Polycystic Ovarian diseases.
You can raise your claim by contacting the insurer in any of the ways indicated below:
Email ID: email@example.com
Toll-free phone number: 1800-102-4462
This insurance plan costs Rs. 69 per year and is valid for a period of one year.
Yes, your membership can be cancelled any time as per your wish. You can call our 24-hour helpline for assistance or send us an email. In case you wish to cancel within 30 days from the date of commencement of your membership, you will receive a full refund of your payment. However, note that it is only applicable if you haven’t made any claim.
Indian residents between the ages of 18 and 65 are eligible for this policy plan.
You can raise a claim by contacting the insurer by writing to them at firstname.lastname@example.org or calling them on their toll-free phone number- 1800-102-4462.