Health Insurance Claims FAQ's | ManipalCigna Health Insurance

Frequently Asked Questions

Content with PRODUCTS Corona Kavach Policy .

Corona Kavach Policy, ManipalCigna also known as Covid standard health insurance policy is developed by IRDAI and made available by ManipalCigna Health Insurance Company. It is designed to cover COVID related hospitalization/home care treatment expenses. The policy also provides coverage towards Pre and Post hospitalization, Road ambulance, AYUSH treatment with an option of Hospital daily cash.

You can contact our sales advisor at any of our branches (list available on website https://www.manipalcigna.com) or can call our Toll free customer care number 1800-102-4462 for details.

The minimum entry age is 1 day for children and 18 years for adults. Maximum entry age limit for adults is 65 years. Dependent Children will be covered up to 25 years in a floater policy.

 Policy can be bought on an Individual basis as well as on family floater basis.

Individual plan can be bought for self, lawfully wedded spouse, dependent children, parents, parent in laws.

A family floater plan can cover self, lawfully wedded spouse, dependent children up to the age of 25 years, parents, parent in laws. A floater cover can cover a maximum of 2 adults and 3 dependent children under a single policy.

No PPMC will be required for this policy.

5% discount in premium shall be provided to health care workers.

Health care workers include - Doctors, AYUSH practitioners, Physiotherapists, Nurses and Midwives, Pharmacists, Ward boys and orderlies, Lab Assistants, Lab technicians, Dentists, Hospital employees, Diagnostic center employees, Pharmacy employees, ASHA, health workers and Aanganwadi workers.

This policy is available for 3 ½ months (105 days), 6 ½ months (195 days) and 9 ½ months (285 days).

Following are the coverages available under the policy

  1. Covid Hospitalization Cover
  2. Home Care Treatment Expenses
  3. Ambulance Cover
  4. AYUSH Treatment
  5. Pre Hospitalization
  6. Post Hospitalization
  7. Hospital Daily Cash (optional)

Home Care Treatment means treatment availed by the Insured Person at home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:

a. The Medical practitioner advices the Insured person to undergo treatment at home.

b. There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.

c. Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.

Coverage available maximum up to 14 days per incident, including pre-hospitalization expenses for a period of 15 days and post hospitalization expenses for a period of 30 days.

In case of Covid hospitalization, patient can stay at the hospital until the recovery. There is no such restriction on number of days. Coverage available maximum up to the Sum Insured and shall be a part of the overall sum insured in the policy.

Following is a partial list of the policy exclusions. Please refer to the policy terms and conditions available on our website www.manipalcigna.com (download section) for the complete list of exclusions:

a. Admission primarily for investigation & evaluation
b. Admission primarily for rest Cure, rehabilitation and respite care
c. Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.
d. Day Care treatment and OPD treatment

Any expenses incurred on OPD basis will not be covered under this policy. Only medically necessary treatment certified by registered medical practitioner in pre-hospitalization and post-hospitalization period will be covered.

Hospital Daily Cash is available under optional cover. 0.5% of sum insured per day for each 24 hours of continuous hospitalization is available provided company has accepted in-patient hospitalization claim.

Renewal available, subject to the underwriting policy of the Company

All medical treatment for the purpose of this insurance will have to be taken in India only.

In general, one has to submit a filled and signed proposal form along with a payment instrument to apply for health cover under this policy.

In case, any additional documents are required, we will contact you.

This policy constitutes the complete contract of insurance. This Policy cannot be modified by anyone (including an insurance agent or broker) except the company. Any change made by the company shall be evidenced by a written endorsement signed and stamped.

The policyholder may be changed during the Policy Period only in case of his/her demise or him/her moving out of India. The new policyholder must be the legal heir/immediate family member. Such change would be subject to acceptance by the company and payment of premium (if any).

Base cover under Corona Kavach Policy is offered on indemnity basis while optional cover of Hospital daily cash is available on benefit basis.

Yes, medical expenses incurred on hospitalization for COVID-19 treatment are covered on Positive diagnosis of Covid in a government authorized diagnostic center including the expenses incurred on treatment of any comorbidity.

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