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What is the Surgical Hospitalization and Follow-up Medical Trip Benefit?

When certain complications arise while being hospitalised due to a particular ailment, the doctors might advise a medical trip to a different city to get further treatment or surgery, in order to ensure recovery. This might get very expensive, with the costs of travel, re-hospitalisation, and consequent surgeries all piling up. Thus, you can choose to make the wise decision of going for the Surgical Hospitalization and Follow-up Medical Trip Benefit policy from Manipal Cigna Health Insurance Co. Ltd., which will take care of such unavoidable and hefty medical expenses for you.

Key Features of Surgical Hospitalization and Follow-up Medical Trip Benefit

The Surgical Hospitalization and Follow-up Medical Trip Benefit plan offers multiple perks that you will be entitled to benefit from when you purchase the cover. Some of them are listed as follows:

Surgical Procedure Cover

The Surgical Hospitalization and Follow-up Medical Trip Benefit plan covers all expenses incurred during a vast array of surgeries such as Craniotomy, Total thyroidectomy, Cataract surgery, Septoplasty, Angioplasty (PTCA), etc.

Post-Surgery Follow-Up Cover

This comprehensive insurance plan also offers financial assistance for post-surgery medical care and follow-up with the doctors.

Medical Travel

You will also get reimbursement for all the charges incurred while travelling to and from another city for the purpose of getting medical treatment/ surgery.

How to Apply for the Surgical Hospitalization and Follow-up Medical Trip Benefit

The process of enrolling yourself to benefit from this pocket-friendly medical insurance is very basic and easy to execute. All you have to do is follow the three simple steps mentioned below:

  • Click on ‘Buy Now’

    On the top-left corner of the Surgical Hospitalization and Follow-up Medical Trip Benefit product page, tap on the ‘Buy Now’ button.

  • Fill out your details

    Fill out the online application form by entering your personal details. Next, an OTP will be sent to the mobile number provided by you. Enter it when prompted.

  • Pay the premium

    Confirm your application by making a quick online payment through your preferred online payment gateway.

Eligibility Criteria

 

  • You must be a resident of India

  • You must be aged between 18 to 65 years

 

What's Covered?

Here are some of the perks so graciously offered by the Surgical Hospitalization and Follow-up Medical Trip Benefit policy:

1. Hospitalisation and Surgical Cover

In case of hospitalisation and/or surgery, you will be entitled to get reimbursement for the expenses incurred, with the benefit amount being up to Rs. 1 lakh. 

2. Medical Trip Benefit

If you are required to travel to a different city within the jurisdiction of India, with the purpose of obtaining further treatment, then such travel costs will be recompensed. 

3. Post-Surgery Medical Care

You will also get reimbursement for the charges of post-surgery medical care, such as follow-up sessions with your doctor. 

 

Policy Plan Details & Specifications

Following are some of the specifics of the Surgical Hospitalization and Follow-up Medical Trip Benefit:

 

Premium 

Follow-Up Trip Benefit

Sum Insured


                   Rs. 724


                

                 Rs. 5000


Up to Rs. 50,000


Rs. 1,384






Up to Rs. 1,00,000

 

● Policy Validity

The medical insurance plan is valid for up to 1 year from the date of policy inception.

What’s not Covered

As a policy-buyer, it is also important to thoroughly understand the extent of the exclusions posed by the Surgical Hospitalization and Follow-up Medical Trip Benefit plan:

  • Pre-diagnosed diseases

Any pre-existing diseases will not be covered under the Surgical Hospitalization and Follow-up Medical Trip Benefit plan. 

  • One claim per year

You can raise your claim for this medical insurance only once a year, after which it will no longer be valid. 

  • Short-term hospitalisation

The policy does not cover the expenses of short-term hospitalisation that lasts for a time period of fewer than 96 hours. 

  • Waiting Period

Hospitalisation claims raised before the conclusion of the 30-day waiting period, and specific disease treatment claims raised before 24 months of policy purchase, will not be reimbursed. 

 

How to Make a Claim

You can reach out to your insurer to raise your claim through any of the following communication portals as stated down below:

  • E-mail:  servicesupport@manipalcigna.com

  • Toll-free number: 1800-102-4462

 

Customer Care Details

Feel free to contact us at Bajaj Markets. You can do so by dropping an email mentioning your policy-related queries at: 

insuranceconnect@bajajfinservmarkets.in

Frequently Asked Questions About Surgical Hospitalization and Follow-up Medical Trip Benefit

  • Are pre-existing diseases covered under the insurance plan?

    No, the Surgical Hospitalization and Follow-up Medical Trip Benefit policy does not cover the treatment charges of pre-diagnosed ailments.

  • What is the benefit amount limit?

    You can obtain a Sum Insured of up to Rs. 1 Lakh, under the Surgical Hospitalization and Follow-up Medical Trip Benefit plan.

  • Are medical trip lodging and boarding charges covered under this insurance policy?

    Yes, the lodging and boarding charges incurred during your medical trip will be eligible for reimbursement.