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.
This policy provides you with a surgery benefit at a premium rate of just ₹54.
Many types of surgeries such as cataract, joint replacement, ulcer surgeries, etc.
Surgery expenses incurred due to an accident leading to permanent total disablement is covered by this policy up to ₹50,000.
Following are the three simple steps you must follow to purchase the Surgery Permanent Total Disablement Benefit.
Click on ‘Buy Now’ on the product page to purchase this policy.
Fill in the details essential to purchase this policy.
Pay the premium amount through any online payment portal.
If you are above 18 years old and below 65 years old, you are eligible for the Surgery Permanent Total Disablement Benefit.
Explained below is the surgery benefit given to you by the Surgery Permanent Total Disablement Benefit.
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.
Stated below are the specifications and details of the Surgery Permanent Total Disablement Benefit.
Clarified below are the exclusions of the Surgery Permanent Total Disablement Benefit.
Diseases, illnesses, injuries, ailments and health problems which existed before the commencement of the policy year will not be covered by this policy.
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
Knee replacement surgery
Intervertebral disc prolapse
Vertebral disorders such as spondylosis, spondylitis, spondylolisthesis, etc.
Urinary urogenital and biliary stones.
Hernia and pilonidal sinus
Anal region related abcess
Cysts, polyps, tumours, breast lumps, ovarian cysts, etc.
*For detailed exclusions, terms and conditions, please read the policy document and policy wordings carefully.
You can contact the insurer, ManipalCigna Health Insurance co. Ltd., in the following ways to claim the coverage provided by this policy.
You can write to ManipalCigna Health Insurance Co. Ltd. at email@example.com.
You can make a call to 1800-102-4462 to claim this policy.
Write to Bajaj Markets at firstname.lastname@example.org for answers to any concerns or queries.
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.
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.
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).