Content with PRODUCTS .
If a insured who has opted for maternity and newborn expenses optional cover, adds his wife in the policy will she get continuity benefit?
Yes, during member addition(spouse) the continuity benefit is availed by the new member.
What is the waiting period of Maternity and Newborn expenses optional cover in Param plan?
Param plan is known for having zero waiting period although if the insured opts for Maternity and Newborn expenses the standard waiting period of 36 months will be applicable
What is Sarathi cover?
Sarathi cover reduces the waiting period of Pre-existing listed conditions to 30 days which are accepted and declared at the time of policy issuance
If person who stays in zone 3 and avails a treatment in a higher zone, will he have to bare any additional expenses?
No, Sarvah has a feature of No Zonal Co-pay. Hence there will be no additional charges for the zone change.
Till what age No Claim Discount is applicable?
Progression to higher claim-free discount levels (1 Year, 2 Year, 3 Year) will stop once the eldest member in the policy reaches age 56 years.
The attained discount level at the age of 56 will continue until a claim is made under Policy. After a claim, the discount level will reset to 0
What is No Claim Discount?
The insured shall be eligible for a renewal premium discount of x%, based on the number of claim free years, as per the grid detailed below.
1 Year <<2.5%>>
2 Year <<5%>>
3 Year <<7.5%>>
When can Increase in Specific Disease waiting period be opted?
This optional cover can be opted only during new health business
What is the sequence of utilisation of Optional coveres that enhance the Sum insured?
The sequence of utilisation is as follows:
1. Base Sum insured
2. Gullak ( from 2nd year)
3. Surplus Benefit/ Plus Benefit
4. Restoration of Sum Insured
5. Anant
What should I do if I want to insure more than 2 adults and 3 children in floater policy?
You can insure up to 2 adults and 3 children in a floater policy, however you can buy multi-individual policy for more than 2 adults and 3 children and can enjoy additional discount of 10% on total premium.
Can Anant cover be opted at renewal?
No, the optional cover is available only during the first policy year (new business or migration first policy year)
What is the eligibilty for opting Anant benefit?
Anant Benefit can be opted for Sum insured 10L and above.
What is Anant Benefit?
Anant Benefit is an optional covers (available with Uttam and Param Plans only) that provides coverage for in-patient, day care treatment or AYUSH Treatment for major illness like - Cancer, Heart, Stroke, Major Organ / Bone Marrow Transplant or Accident cases without any sum insured restrictions.
Does the plan cover Pre-existing diseases?
Yes, our ManipalCigna Sarvah – Param covers the pre-existing disease without any waiting period
Waiting period for pre-existing diseases shall be 36 months for Pratham and Uttam plan
What are the Permanent Exclusions?
Unless necessary endorsements or exemptions are made below diseases and expenses arising out of or attributable to any of the following will not be covered in the policy.
1. Investigation & Evaluation
2. Rest Cure, rehabilitation and respite care
4. Change of Gender Treatments except for sex reassignment surgeries of transgender person.
5. Cosmetic or Plastic Surgery
6. Hazardous or Adventure sports
7. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
8. Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters
Above List is only indicative and not exhaustive. Please refer the Policy Wordings for detailed list.
Why to choose ManipalCigna Sarvah?
ManipalCigna comes with 3 different plans that can provide you a coverage for the medical expense as per your requirements.
a. ManipalCigna Sarvah – Pratham (Essential): Protect yourself with health insurance coverage securing against Cancer, Heart, Stroke, and major organ/bone marrow transplant hospitalization expenses
b. ManipalCigna Sarvah – Uttam (Personalized): Experience peace of mind with our comprehensive hospitalization coverage which ensure you and your loved ones are protected against high medical expenses without any financial burden and provides the flexibility to add multiple optional covers to make your health coverage more personalized.
c. ManipalCigna Sarvah – Param: Provides comprehensive hospitalization coverage which ensure you and your loved ones are protected against high medical expenses without any financial burden or any waiting period on your pre-existing medical conditions.
Is Nomination compulsory in this policy?
Yes, Nomination is mandatory in this policy
What is Tele - consultations feature in the product?
An Insured Person may avail tele-consultations with our General Physician through our network in India for the unlimited times. For the purpose of this benefit, tele-consultation shall mean consultation provided by a Medical Practitioner through various mode of communication available through tele/chat mode.
What is the Grace Period in the Policy?
Your health insurance grace period is the extra time that you are given in case you miss your policy renewal premium due date.
In case of monthly mode of payment, grace period will be 15 days, in any other case, grace period will be 30 days.
Which are the medical tests one needs to go through?
The list of medical tests will be communicated by ManipalCigna Health Insurance Company to the customer at the time of processing the insurance application as they will depend upon the Age, Sum Insured opted and any medical history declared at the time of application.
Is Medical Test mandatory for everyone?
Medicals will be triggered on the basis of the age of the insured, the plan type and sum insured selected.
** For details of medical tests kindly contact Customer Support Team, Health Advisor or Branch Service Desk.