Health Insurance glossary

Allowed Cost

It is the amount that needs to be paid for each covered procedure as per the insurance policy.Example:Raj injured his knee in a sporting event and needs to get a minor surgery done. The allowable amount for Raj’s insurance is Rs. 5 lakhs, the allowed cost though for surgeries in Raj’s plan may be Rs. 3 lakhs.

Allowable Amount

Maximum amount on coverage for covered health care services.Example:Raj's insurance has a limit of Rs. 2 lakhs for the amount the policy benefits will cover. The Rs. 2 lakhs is the allowable amount for the health care services in his plan.


A person from ManipalCigna Health Insurance who explains the policies and procedures. ManipalCigna Health Insurance agents are available on phone/ email or at your doorstep, to take you through the details and explain each step, as per your convenience.

Age Limit

It sets the age restrictions for a policy. In ManipalCigna Health Insurance'’s case, the age limit to enroll for a policy is 65. Note that there is no age limit on renewal.

After Care

It is an insurance plan for a person who has met with an accident/injury and can't go back to work (as he/she is recuperating). ‘After care’ coverage implies that all expenses related to the care needed after treatment is taken care of by ManipalCigna Health Insurance.


A math and statistics professional who calculates and understands risks and uncertainty – concepts used to determine insurance premiums based on age, lifestyle, and gender amongst several other factors.Example:Raj requests for insurance from ManipalCigna Health Insurance. An actuary will first assess Raj's insurance request and decide on the insurance amount for Raj's health plan. The actuary will then decide insurance coverage based on age, lifestyle, and gender and other factors.

Accumulation Period

It is the time frame after purchasing the policy during which no claim can be made to ManipalCigna Health Insurance under the policy. Example:Raj opts for a health insurance policy for his family and completes all the formalities on June 1. The accumulation period for the policy purchased is 30 days. Now imagine that Raj’s wife falls ill on the 3rd of June. Raj would have to pay for this unexpected expense although he already purchased the health insurance product, as his policy is still within the “accumulation period”. Only after June 31st, will Raj be able to use the coverage from his insurance.


An official approval by ManipalCigna Health Insurance for the standard of facilities, systems and processes being used in a hospital.Examples of accredited hospitals include Apollo, Max and Fortis hospitals amongst others.

Accidental Death

A death that occurs due to an accident. Having an accident plan implies that ManipalCigna Health Insurance would pay the insurance amount stated in the policy to the beneficiaries.


When an accident leads to an injury, it may require hospitalization. Accidental coverage includes coverage for treatment of injuries sustained, partial or complete disability or amputation. ManipalCigna Health Insurance provides special fixed benefits for accident coverage. Click here to know more of these products.Example:Raj is at home and is cleaning out his garage. He comes across a bowling ball that he hasn't used for years. Raj drops the heavy ball on his head and faints. His family rushes him to the hospital and Raj is hospitalized for the accident that has occurred.Using ManipalCigna Health Insurance'’s fixed benefit product, Raj can be treated with minimal or no expenditure.