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ManipalCigna Health Insurance Plan- For Complete Health Protection

Updated on December 2, 2021 , 238 views

With the Coronavirus pandemic doing the rounds, unpredictability has become a norm today. If you wish to fight diseases, safeguard your family and deal with emergencies, go for a good health insurance plan that offers security and transparency. ManipalCigna health insurance is the answer to all your healthcare concerns.

ManipalCigna Health Insurance Plan

ManipalCigna health insurance company Limited is a joint venture between the Manipal Group and Cigna Corporation. Manipal Group has been a leading healthcare provider in India and Cigna Corporation is an eminent global health services company with over 200 years of experience.

If you wish to have your unique health requirements satisfied at affordable costs, check out the details below.

1. ManipalCigna ProHealth Insurance

The ManipalCigna ProHealth insurance is the solution for both your illness and wellness. You can choose this plan as a single, couple or even while starting a family.

Features

1. Coverage

With ManipalCigna ProHealth Protect you are provided with basic covers, value-added covers and optional covers to choose from. They are mentioned below:

a. Basic Covers
  • In-Patient Hospitalisation
  • Pré-Hospitalisation
  • Post-Hospitalisation
  • Day Care Treatment
  • Domiciliary Treatment
  • Ambulance Cover
  • Donor Expenses
  • Worldwide Emergency Cover
  • Restoration of Sum Insured
  • AYUSH Cover
  • Health Maintenance Benefit
  • Maternity Expenses
  • New Born Baby Expenses
  • First Year Vaccination Expenses
b. Value Added Covers
  • Health Rewards
  • Health Checkup
  • Expert Opinion on Critical Illnesses
  • Cumulative Bonus
c. Optional Covers
  • Deductible Option
  • Hospital Daily Cash Benefit
  • Reduction in Maternity Waiting Period
  • Voluntary CO-PA
  • Waiver of Mandatory Co-pay
  • Cumulative Bonus Booster

2. Premium Payment Details

The premium of the ManipalCigna Insurance plan will depend on the insured sum, tenure of the policy, age, type of policy, gender, area of cover, optional cover, etc. The country is divided into three zones as this will help you pay as per the current healthcare costs in your city.

3. Premium Payment Mode

You can pay on a monthly,, Quarterly, Half Yearly and Yearly Basis with ManipalCigna Insurance.

Premium Payment Mode %Loading on Premium
Monthly 5.50
Quarterly 3.50
Half Yearly 2.50

4. Discounts

You can avail the following discounts with ManipalCigna Health Insurance Company.

  • Family discount
  • Long-term Discount
  • Co-Pay Discount

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5. Renewals

With this plan, you can access lifetime renewals of the policy.

6. Tax Benefit

You can avail tax benefits as mentioned under Section 80D with this plan.

2. ManipalCigna ProHealth Select

The ProHealth Select policy is a great way to secure the future of your family. Let’s take a look at the features.

Features

1. Sum Insured

The sum insured can range up to Rs. 25 lakhs.

2. Discounts

You can avail a family discount of 10% on covering more than onr member of your family in an individual policy. You can also avail a long-term discount of 7.5% and 10% on opting for a 2 and 3-year term plan.

3. Policy Tenure

The policy tenure ranges from between 1 to 3 years

4. Renewal

With this plan, you can have lifetime renewals.

5. Covers

There are three types of covers under this plan- basic, value-added and optional. They are mentioned below:

a. Basic Cover
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Day Care Treatment
  • Domiciliary Treatment
  • Ambulance Cover
  • Donor Expenses
  • Restoration of Sum Insured
  • AYUSH Cover
b. Value Added Covers
  • Cumulative Bonus
  • Healthy Rewards
c. Optional Covers
  • Deductible
  • Cumulative Bonus Booster
  • Removal of Room Rent Limit
  • Re-assurance Cover
  • Add-On Cover

3. ManipalCigna Super TopUp

The ManipalCigna Super TopUp Plan is a great way to protect your family’s health. You should choose the SuperTop Policy because of the following:

  • You get additional coverage of up to Rs. 30 lakhs at an affordable premium
  • You can choose your own hospital room
  • The plan also covers both allopathic and AYUSH Treatment up to sum insured

Features

1. Coverage

The plan comes with two covers- Basic and Optional. Check it out below:

a. Basic Cover
  • Pre- Hospitalisation
  • Post-Hospitalisation
  • AYUSH Cover
  • Day Care Treatment
  • Non-Medical Expenses Cover
  • Road Ambulance Cover
  • Donor Expenses
  • Guaranteed Cumulative Bonus
b. Optional Cover
  • Guaranteed Continuity on Deductible
  • Reduction on Pre-Existing Disease Waiting Period
  • Critical Illness Add-On Cover

2. Premium

Your premium will depend on your plan, insured sum, tenue of policy, age, policy type, gender, premium payment frequency, etc,

You can pay a premium on a monthly, Quarterly, Half-yearly and yearly basis.

Premium payment frequency Monthly Quarterly Half yearly
% Loading on premium 5.50 3.50 2.50

3. Discounts

The following discounts are available with ManipalCigna Health Insurance Plan.

  • Family Discount
  • Long-term Discount
  • Online Renewal Discount
  • Worksite Marketing Discount

Eligibility Criteria

The eligibility Criteria for the plan is mentioned below.

Check out the relationships that can included in the plan.

Details Description
Min Entry Age Adult: 18 years, Child: 91 days
Max Entry Age Adult: No limit Child: 23 years (family floater policy)
Relationships Individual Policy: Self, spouse, children, parents, siblings, parent in-laws, grandparents, grandchildren, son-in-law, daughter-in-law, uncle, aunt, nephew and niece, Family Floater: Self, spouse, children up to the age of 23 years or parents (a maximum of 2 adults and 3 children can be covered under a single policy)
Policy Term 1, 2, 3 years

4. ManipalCigna Arogya Sanjeevani

ManipalCigna Arogya Sanjeevani plan is for you to attain peace of mind with complete health insurance for you and your family.

The features are mentioned below:

Features

1. Cashless Treatment

You can avail cashless treatment at more than 6500 network hospitals.

2. Coverage

Allopathic and AYUSH treatment is available with this package. Some other covers in this plan are mentioned below:

  • In-patient Hospitalisation
  • Pré-Hospitalisation
  • Day Care Treatment
  • Modern Treatment Cover
  • Road Ambulance Cover

3. Tax Benefits

You can avail tax benefits as under Section 80D of the income tax Act 1961 with ManipalCigna Health Insurance Plan.

4. Discounts

The different types of discounts mentioned in this plan is given below:

  • Family Discount
  • Worksite Discount
  • Online Renewal Discount

Eligibility Criteria

The eligibility Criteria for the plan is mentioned below.

Check out the relationships that can included in the plan.

Details Description
Min Entry Age Child: 3 months (91 days) Adult: 18 years
Max Entry Age Child: 25 years (family floater policy), Adult: 65 years
Relationships Individual Policy: self, spouse, son, daughter, parents & parents in law. Family Floater: self, spouse, children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)
Policy Term 1 Year

5. ManipalCigna Corona Kavach Policy

The Corona Kavach Policy, ManipalCigna- also known as the Covid Standard Health Insurance Policy is designed to provide financial security for your family so that you can access all your medical costs in one place. The policy will cover your hospitalisation expenses, homecare treatment and related medical expenses for COVID-19.

Features

1. COVID Hospitalisation Cover

With ManipalCigna Corona Kavach Policy, you can remain stress-free as it offers hospitalisation cover.

2. Pre and Post Hospitalisation Cover

The policy also covers expenses involved pre-hospitalisation and post hospitalisation.

3. Road Ambulance

The policy also extended coverage to the transportation expenses that may incur to transport you or a family member to the hospital. Rs. 2000 per hospitalisation is allowed.

4. AYUSH Cover

The policy also covers in-patient medical expenses up to the limit of Sum insured toward non-allopathic treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy for hospitalisation coming up due to accident or illness in a government hospital or a recognised institution.

5. Home Care Treatment Expenses

You can avail cover up to the sum insured. Remember that the treatment availed by the Insured Person at home for COVID+ diagnosis of COVID in a government authorised diagnostic Centre is allowed up to a maximum of 14 days after the incident.

6. Hospital Daily Cash

You can avail 0.5% of sum insured per day. This is subject to a maximum of 15 days in a policy period for every insured person.

7. Tax Benefits

You can avail tax benefits as under Section 80D of the Income Tax Act 1961 with this plan.

Eligibility Criteria

The eligibility Criteria for the plan is mentioned below.

Check out the relationships that can included in the plan.

Details Description
Min Entry Age Child: 1 day, Adult: 18 years
Max Entry Age Child: 25 years (family floater policy), Adult: 65 years
Relationships Individual Policy: Self, Spouse, Dependent Children, Parents & Parents-In-Law, Family Floater Policy: self, spouse, dependent children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered
Policy Term 3 ½ months (105 days), 6 ½ months (195 days), 9 ½ months (285 days) under a single policy)
Premium Mode Single premium
Discount 5% discount in premium shall be provided to health care workers
Pre-policy Medical Check-up (PPMC) No PPMC required

6. ManipalCigna Corona Rakshak Policy

The Corona Rakhsak Policy, ManipalCigna provides a lump sum benefit which is equal to 100% of the sum insured. This is payable on a positive diagnosis of COVID 19 which requires hospitalisation for a minimum continuous period of 72 hours.

Features

1. Sum Insured

With this policy, you can avail Rs. 50,000 to Rs. 2,50,000 for treatment.

2. Period of Policy

The period of the policy is three and Half months, Six and Half Months and Nine and Half Months.

3. Type of Product

The policy can also be availed on an individual basis.

4. Premium Payment Mode

The premium should be paid in advance for a full policy period, It will be a single premium payment.

5. Eligibility

Anyone between the age of 18 years and 65 years can avail the policy.

ManipalCigna Customer Care Number

You can contact the company on their toll-free number 1800-102-4462 or mail them at customercare@manipalcigna.com

Conclusion

ManipalCigna Health Insurance Plan is one of the leading health insurance providers in the country today. Read all policy-related documents carefully before applying.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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