Buy Surgery-Spouse Cash Cover Plan at just Rs. 34/year. Buy Now

What is a Surgery-Spouse Cash Cover Plan?

Uncertainties can hit you at any time. If an earning member of the family becomes permanently or temporarily disabled, it can take a toll on the entire family, not just emotionally but also financially. Hence, it is vital to safeguard yourself against these uncertainties. You can protect your family today from the unexpected costs of a body disability. Get the Surgery-Spouse Cash Cover Plan from Manipal Cigna Health Insurance Co. at just Rs.34/ per year today! The cover gives a pay-out to your spouse and relieves the financial burden on them due to your permanent or temporary disablement. Let us delve deeper into the specifications of this plan. 

Key Features of Surgery-Spouse Cash Cover Plan

Here are some of the main features that you must know before buying the policy:

Cash Pay-out

Your spouse will receive the insured sum in cash to take care of the financial burden in case you become disabled.

Wide Coverage

The Surgery-Spouse Cash Cover safeguards you and your family against most kinds of disabilities. Some of these disabilities include permanent total disability, permanent partial disability, and temporary total disability.

Easy Premium Payments

You can easily pay for your Surgery-Spouse Cash Cover Plan using any online payment mode, such as debit or credit cards, UPI, net banking, and more. The one-time payment will insure you for a year.

How to Apply for the Surgery-Spouse Cash Cover Plan?

It is easy to apply for the Surgery-Spouse Cash Cover by Manipal Cigna Health Insurance Co. Ltd. You must follow the below steps to buy the policy.

  • Click on the ‘Buy Now’ option

    You will find the ‘Buy Now’ tab on the policy page. Click on the option to begin the application process.

  • Fill up the necessary details

    Share all your basic details on the online application form displayed on your screen. Verify your application by entering the OTP you have received on your phone.

  • Pay the premium

    After successful verification, you can pay the premium amount using any online mode of payment like a credit card, net banking, etc.

Once you make the payment, you will receive all the information on the membership along with the policy document in your e-mail.

Eligibility Criteria

Before you buy the Surgery-Spouse Cash Cover Plan, ensure that you are eligible for the policy. The basic eligibility criteria for purchasing the policy are:

  • You must be a resident of India

  • You must fall in the age group of 18 to 65 years to buy the policy

What's Covered Under Surgery-Spouse Cash Cover Plan?

  • Surgery Cash

    If you suffer from any disablement as a result of surgery, a cash cover of up to Rs. 5,000 per week for up to 35 days will be paid.

  • Surgery Coverage

    The policy covers major procedures like abdominal surgeries, brain surgeries, etc. The kind of surgeries covered by the policy will be stated in the document. The maximum coverage of the surgery can go up to Rs. 5,000 per week for up to 35 days.

What’s more?

While the waiting period for this policy is 30 days, it gets reduced to 24 days in case of a few specified surgeries.

Policy Plan Details & Specifications for Surgery-Spouse Cash Cover Plan

The following pointers specify the details of the Surgery - Spouse Cash Cover:

● Coverage limit

You get coverage of Rs. 5,000 per week for up to 5 weeks at just Rs. 34 a year. Hence, the policy's total coverage is Rs. 25,000 per year.

● Validity

One year

What’s not Covered under the Surgery-Spouse Cash Cover Plan? 

There are some exclusions to the policy. You must know these exclusions before you purchase the policy. 

  • Other surgeries

You can only claim the amount if you undergo surgery specified under the policy. Several surgeries like cataracts, non-accidental knee replacement surgeries, removal of stones, Fistula, Piles, Hernia, etc. are not covered under the policy.

  • Hospitalisation for less than 48 hours

There’s no coverage available if you are hospitalised for less than 48 hours for the surgery. However, the duration of the hospitalisation should be continuous.

  • Hospitalisation before the policy period

If you are hospitalised before the commencement of the policy period, the expenses will not be covered by the policy.

  • Surgery for pre-existing diseases

If you need surgery to cure a pre-existing condition, the cost of medical treatment will not be covered under the policy.

How to Make a Claim

Registering a claim for the Surgery-Spouse Cash Cover Plan is relatively straightforward. You can choose to do so in either of the following ways:

  • Call

Call on 1800-270-7000 within 24 hours of the surgery. Inform the insurer about the nature of the surgery. Your claim will be registered and processed accordingly. 

  • E-mail

Alternatively, you can also drop an e-mail at along with the details of the surgery. You must include your policy details in the e-mail while registering the claim.

Customer Care Details

You can contact us for additional questions related to the policy. Just write to us at: to get your queries resolved.

FAQs on Surgery-Spouse Cash Cover Plan

What are the eligibility criteria for the Surgery-Spouse Cash Cover Plan?

If you are interested in buying the Surgery-Spouse Cash Cover Plan, you must belong to the age bracket of 18 to 65 years. Also, this policy is only valid for Indian citizens.

Is there a need for the Surgery-Spouse Cash Cover Plan?

Surgeries may be required for a number of reasons. This includes surgeries to treat a range of diseases, as well as surgeries to mend injuries. Some surgeries might result in permanent or temporary disability. Therefore, you must buy a cover plan to safeguard yourself and your family and give them financial support in case of a disability.

What is the validity of the Surgery-Spouse Cash Cover Plan?

The membership and the policy coverage are valid for a year. However, you cannot register a claim within the first 30 days of the policy purchase. Once the one-year period has expired, you can renew the policy.

Can I apply for the policy if I am 17 years old?

Only people who belong to the age bracket of 18 years to 65 years can apply for this particular policy. Hence, you must wait a year before buying the Surgery-Spouse Cash Cover Plan.

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