Buy the Surgery Loss of Earning Cash at a premium of just Rs. 69/year Buy Now

What is the Surgery Loss of Earning Cash

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.


Key Features of the Surgery Loss of Earning Cash

Coverage of up to Rs. 25,000.

This policyholder insures a sum of up to Rs. 25,000/month for a maximum of 90 days.

Cost effective

You can buy this plan at just Rs. 69/year including GST.

How to Apply for the Surgery Loss of Earning Cash

The application process for this plan is simple and straightforward. Here’s how you can get started:

  • Click on Buy Now

    Tap on the ‘Buy Now’ on the product page.

  • Fill in the Details

    Enter the required details in the online application form.

  • Make the Payment

    Complete the online payment.

After this, you will receive your membership details and welcome pack on your registered email ID.

Eligibility Criteria

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.


What's Covered Under the Surgery Loss of Earning Cash

  • Coverage against surgery

    If the policyholder meets with an accident which results in his injury or illness and requires a surgery, during the year of policy, then they will be provided with cash pay-out to take care of their treatment charges. Also, it is to be noted that one can utilise this plan only if they suffer from total or partial permanent disablement due to the entire situation leading them to a coma or making them unable to take care of themselves or engage in their primary occupation, thereby making them lose their primary source of income. The cash cover will hence be paid out to them, insuring up to an amount of Rs. 25,000 per month for a maximum of 90 days, as specified in the schedule of the policy.

Policy Plan Details & Specifications

Sum Insured up to  

Premium Including GST 

Rs. 25,000 up to a maximum of 90 days

Rs. 69

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.

What’s Not Covered under the Surgery Loss of Earning Cash 

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.

  • Cataract.

  • 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. 

How to Make a Claim

You can raise your claim by contacting the insurer in any of the ways indicated below:


Email ID:


Toll-free phone number: 1800-102-4462

FAQs on Surgery Loss of Earning Cash Plan?

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 or calling them on their toll-free phone number- 1800-102-4462. 


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