Coverage up to ₹2 Lakhs | Premium starting at ₹84 | Spouse benefit offered BUY NOW

What is the Surgery Spouse Benefit Cover


Your spouse often is a person you grow to become emotionally closest to and together, you create a world of happiness and love. To imagine even a speck of pain in them could possibly be your worst nightmare. 

An unfortunate accident of this loving figure in your life can be unbearable. One moment you expect your spouse to be wheeled into a surgery theatre to be healed and the next moment, the onset of the bad news of disablement looms around the corner. Thus, Bajaj Markets features the Surgical - Spouse Benefit Cover which acts as a small compensation to the irreparable partial or total disablement of your spouse.


How to Apply for the Surgery Spouse Benefit Cover

Given below are the steps that can help you start your purchasing journey for the Surgery Spouse Benefit Cover.

  • Click on “Buy Now”

    On the product page, tap "Buy Now."

  • Fill in the Details

    Enter the necessary information in the online application form

  • Make the payment

    Complete the payment through UPI, credit/debit card or any other online payment method.


Eligibility Criteria

If you are above 18 years in age and below 65 years in age, you are eligible to apply for the Surgery Spouse Benefit Cover.


What's Covered

  • Spouse Benefit

If your spouse, as the policyholder, has to undergo a surgery due to an unforeseen illness or accident that leads to their disablement, you are eligible to claim the Spouse Benefit of the Surgery Spouse Benefit Plan.  


Policy Plan Details & Specifications

Following are the details and specifications of the Surgery Spouse Benefit Cover for your understanding.

Sum Insured

Premium Amount

₹1 Lakh


₹2 Lakhs


What’s Not Covered

Listed underneath are the exclusions of the Surgery Spouse Benefit Cover, explaining all that is not covered by this policy.


Pre-existing Disablements

Any pre-existing injuries, ailments, diseases or disablements are not covered by this policy.

*Waiting Period: The rudimentary waiting period of the plan will be 30 days. However, the waiting period for specific illnesses is 24 months. The conception date of the policy is given precedence while considering the disbursement of the benefit amount. The following specific illnesses are not covered.

  • Cataract
  • Voluntary/Planned knee replacement. 
  • Non-infectious/gout/rheumatism arthritis
  • Osteoporosis
  • Osteoarthritis
  • Voluntary/Non-accidental joint replacement
  • Intervertebral disc prolapse 
  • Vertebral Disorders
  • Urinary urogenital/biliary system stones
  • Diseases of calculi
  • Fissure
  • Anal fistula
  • Hernia types
  • Piles
  • Haemorrhoids 
  • Pilonidal sinus
  • Anal-related abscess
  • Gastric/duodenal ulcers
  • Cysts
  • Polyps
  • Nodules
  • Internal tumours
  • External skin tumours
  • Polycystic Ovarian Disease
  • Benign breast lumps
  • Genito-urinary surgeries (benign)
  • Chronic Suppurative Otitis Media (CSOM)
  • Sinusitis
  • Deviation of nasal septum
  • Adenoid/tonsil surgery
  • Tympanoplasty
  • Benign ENT disorders
  • Prostate hypertrophy (benign)
  • Hydrocele (all kinds)
  • Varicose veins/ulcers
  • Hysterectomy (menorrhagia or fibromyoma) 
  • Uterus prolapse
  • Myomectomy of malignant fibroids

*The waiting periods for these specific pre-existing ailments/diseases/surgeries will be implied as declared in the policy document. All exclusions, terms and conditions are present in the policy document for your understanding. Please read the document very carefully.

How to Make a Claim

Claim the Surgery Spouse Benefit by reaching out to the insurer, ManipalCigna Health Insurance Co. Ltd., in the following ways.

  • Email

You can contact ManipalCigna Health Insurance Co. Ltd. by writing to them at

  • Toll-free Number

Claim this policy by calling the insurer on 1800-102-4462.


Customer Care Details

Reach out to Bajaj Markets at if you have any questions or concerns.


Frequently Asked Questions

Can I claim the benefit in the event of my spouse’s demise?

This benefit covers the spouse of the policyholder should an accident or surgery of the insurer result in them slipping into a state of disablement. Their death could dissolve the policy and its benefits. 

Can I cancel my policy at any time?

Yes, you can cancel your membership whenever you wish. You can contact us on our customer care service number or email address and request a cancellation of membership. If you request for a cancellation within 30 days of purchasing the policy, you are liable to receive the full premium amount as a reimbursement. 


Will there be no reimbursement if I cancel my membership after a month?

If you cancel your membership after the 30-day waiting period, the premium fee, unfortunately, cannot be reimbursed to you.   


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