FAQs on ManipalCigna Health Insurance Products

Frequently Asked Questions

Waiting Periods and Permanent Exclusions including Co-pay’s do not apply to Health Maintenance Benefit.

Yes, you can apply for the insurance cover but issuance of this policy will be subject to underwriting.

No, there is no impact on policy premium due to relaxation of “30 day waiting period”. 

As your preferred partner in illness and wellness, we wish to assure you that we are by your side and committed to provide you and your loved ones comprehensive health insurance services.

With the onset of COVID-19, we understand that the unexpected medical expenses can jeopardize your financial security, therefore to ensure that there is no barrier in the healthcare you need, we have reduced the ‘30 days Waiting Period’ to 15 days (if applicable) for COVID-19 claims.

In this relaxation, we have reduced the ‘30 days Waiting Period’ to 15 days (if applicable) for COVID-19 claims.

Medical expenses towards treatment of Covid, on positive diagnosis of Covid, will be considered as Covid claims.

This relaxation is applicable for ManipalCigna ProHealth Insurance (UIN: MCIHLIP415V042021) and ManipalCigna Super Top Up (UIN: MCIHLIP21121V022021) policy.

Insured persons having Policy Start date between 12-10-2020 and 31-03-2021 (including both dates) are eligible for this relaxation.

Policy Start date will be considered for the purpose of this relaxation. Insured having Policy Start date between 12-10-2020 and 31-03-2021(including both dates) are eligible for this relaxation.

Please refer Policy Schedule for details of Policy Start date.

No, Pre-hospitalization and hospitalization expenses will be covered after 15 days waiting period for Covid claims and after 30 days for Non-Covid claims. Claims arising due to accidents will be covered from day 1.

Yes, along with Covid treatment if there is some other morbidity condition(s) for which treatment is necessary to recover, then for such conditions this relaxation will be applicable.