Buy Surgery Permanent Total Disablement Benefit at just ₹54 per year.

What is the Surgery Permanent Total Disablement Benefit?


India is home to 2.68 crore specially-abled individuals. Complications at prenatal or postnatal stages, illnesses, ailments, disorders or even accidents can cause injuries or conditions grave enough to cause disablement. 


Disablement, especially when caused due to an accident, entails great emotional and financial distress. The shock of the circumstance and the probable financial loss due to treatment and surgery can be jarring. Thus, Bajaj Markets features the Surgery Permanent Total Disablement Benefit from ManipalCigna Health Insurance Co. Ltd. at a premium rate of ₹54.


Key Features of the Surgery Permanent Total Disablement Benefit


Minimal Premium Amount

This policy provides you with a surgery benefit at a premium rate of just ₹54.

Multiple Surgeries Covered

Many types of surgeries such as cataract, joint replacement, ulcer surgeries, etc.

Permanent Total Disablement Surgery

Surgery expenses incurred due to an accident leading to permanent total disablement is covered by this policy up to ₹50,000.


How to Apply for the Surgery Permanent Total Disablement Benefit?


Following are the three simple steps you must follow to purchase the Surgery Permanent Total Disablement Benefit.


Step 1: Select ‘Buy Now’

Click on ‘Buy Now’ on the product page to purchase this policy.


Step 2: Enter Your Details

Fill in the details essential to purchase this policy.


Step 3: Make The Payment

Pay the premium amount through any online payment portal.


Eligibility Criteria


If you are above 18 years old and below 65 years old, you are eligible for the Surgery Permanent Total Disablement Benefit. 


What's Covered


Explained below is the surgery benefit given to you by the Surgery Permanent Total Disablement Benefit.


  • Surgery Support

If you were to survive an accident that led you to the state of Permanent Total Disablement (PTD), the policy could provide you with up to ₹50,000. This benefit amount is to be utilised on surgical requirements as a treatment of injuries inflicted during an accident.  


Policy Plan Details & Specifications


Stated below are the specifications and details of the Surgery Permanent Total Disablement Benefit.

Premium Amount

Sum Insured




What’s Not Covered


Clarified below are the exclusions of the Surgery Permanent Total Disablement Benefit.


Pre-existing Illnesses


Diseases, illnesses, injuries, ailments and health problems which existed before the commencement of the policy year will not be covered by this policy. 


Waiting Period


The preliminary waiting period of this policy will be 30 days. However, the waiting period for specific illnesses is 24 months. This policy will hold the inception-date of the policy at prime position to consider the disbursement of the benefit amount for surgeries or other medical treatments/procedures. A waiting duration appertains to the following specific ailments/illnesses.


  • Hysterectomy (uterus prolapse, menorrhagia and fibromyoma) unless demanded by myomectomy for malignant fibroids. 

  • Varicose veins and ulcers.

  • Prostate hypertrophy (benign)

  • Hydrocele (all types)

  • Suppurative otitis (chronic)

  • Deviated nasal septum

  • Sinusitis 

  • Tonsil surgery

  • Adenoid surgery

  • Tympanoplasty

  • Genito-urinary surgeries

  • Cataract

  • Knee replacement surgery

  • Arthritis (non-infectious)

  • Rheumatism 

  • Osteoarthritis

  • Osteoporosis 

  • Joint replacement

  • Intervertebral disc prolapse

  • Vertebral disorders such as spondylosis, spondylitis, spondylolisthesis, etc.

  • Urinary urogenital and biliary stones. 

  • Anal fissure

  • Anal fistula

  • Piles

  • Hernia and pilonidal sinus

  • Haemorrhoids 

  • Anal region related abcess 

  • Gastric ulcer

  • Duodenal ulcer

  • Cysts, polyps, tumours, breast lumps, ovarian cysts, etc.

*For detailed exclusions, terms and conditions, please read the policy document and policy wordings carefully.

How to Make a Claim


You can contact the insurer, ManipalCigna Health Insurance co. Ltd., in the following ways to claim the coverage provided by this policy.


  • Email

You can write to ManipalCigna Health Insurance Co. Ltd. at


  • Toll-free Number

You can make a call to 1800-102-4462 to claim this policy.


Customer Care Details

Write to Bajaj Markets at for answers to any concerns or queries.

Frequently Asked Questions About the Surgery Permanent Total Disablement Benefit

  • Does this policy cover all kinds of disabilities?

    This policy covers all illnesses, ailments and injuries sustained from an accident which have led to permanent disabilities. However, Permanent Partial Disabilities (PPD), Temporary Total Disabilities (TTD) and Temporary Partial Disabilities (TPD) are not covered by this policy.

  • What happens if the full benefit amount is exhausted?

    If you exhaust the full benefit amount, the additional expenses will not be incurred by the insurer. The difference between the actual expense and the maximum benefit will be incurred by you.

  • Does this policy cover the surgeon’s fees as well?

    No, this policy does not offer any special benefit that covers the surgeon’s fees. The benefit amount is used on surgeries required for injuries or illnesses from an accident that have led to Permanent Total Disablement (PTD).