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.
Here are some of the main features that you must know before buying the policy:
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.
You will find the ‘Buy Now’ tab on the policy page. Click on the option to begin the application process.
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.
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.
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
While the waiting period for this policy is 30 days, it gets reduced to 24 days in case of a few specified surgeries.
The following pointers specify the details of the Surgery - Spouse Cash Cover:
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.
There are some exclusions to the policy. You must know these exclusions before you purchase the policy.
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.
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.
If you are hospitalised before the commencement of the policy period, the expenses will not be covered by the policy.
If you need surgery to cure a pre-existing condition, the cost of medical treatment will not be covered under the policy.
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 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.
Alternatively, you can also drop an e-mail at email@example.com along with the details of the surgery. You must include your policy details in the e-mail while registering the claim.
You can contact us for additional questions related to the policy. Just write to us at: firstname.lastname@example.org to get your queries resolved.
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.
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.
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.
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.