5 Lakh Health Insurance

What Is a 5 Lakh Health Insurance Plan?

A 5 Lakh Health Insurance Plan is a medical insurance policy that provides financial protection for hospitalization, treatments, surgeries, and medical emergencies. It helps you manage healthcare expenses efficiently by covering approved medical costs, allowing you to focus on recovery rather than financial stress.

Why Choose a 5 Lakh Health Insurance Plan?

• Offers essential medical coverage at an affordable premium
• Ideal for individuals, couples, and small families with moderate healthcare needs
• Helps manage hospitalization and treatment expenses without exhausting savings
• Suitable coverage option for first-time buyers entering health insurance
• Provides financial security against unexpected illnesses or medical emergencies

Benefits of a 5 Lakh Health Insurance Policy

What’s Covered Under a 5 Lakh Health Insurance Plan?

1. Hospitalization Expenses for major illnesses such as Heart conditions, Cancer, Stroke, and major organ or bone marrow transplant.
2. Pre & Post-Hospitalization Coverage, including medical expenses for 90 days before admission and 180 days after discharge.
3. Domiciliary Hospitalization coverage for treatments taken at home when hospital admission isn’t possible, up to the sum insured.
4. Road Ambulance Services, covered up to the sum insured for safe and timely medical transportation.
5. Donor Expenses, including pre-hospitalization and post-hospitalization costs related to organ donation, up to the sum insured.
6. AYUSH Treatment Coverage for inpatient care under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
7. Unlimited Tele-Consultations with qualified general physicians for convenient medical guidance throughout the policy year.
8. Wellness Program Rewards, allowing you to earn up to 20% of your base premium by completing activities under the Healthy Life Management Program.
9. Discounts on Pharmacy, Diagnostics & Health Supplements when availed through ManipalCigna’s network providers.

What’s Not Covered in a 5 Lakh Health Insurance Plan?

1. Breach of Law: Any medical condition or injury arising from participation in unlawful or criminal activities is not covered.
2. Nuclear or Radiation Contamination: Illnesses or injuries caused by nuclear fuel, radiation leaks, or radioactive contamination are excluded.
3. Hazardous or Adventure Sports: Injuries occurring during high-risk activities such as skydiving, paragliding, rock climbing, or similar adventure sports are not covered unless specifically opted as an add-on.
4. War or Civil Disturbances: Medical claims arising due to foreign invasion, war-like situations, civil war, or public unrest are not payable under the plan.

5 Lakh Health Insurance Premium - How Much Does It Cost?

The cost of a 5 Lakh Health Insurance Plan depends on the specific variant you choose under the ManipalCigna Sarvah series. Each plan provides increasing levels of protection, benefits, and features—ensuring there’s an ideal option for every health need and budget.

Available Sum Insured Options

• ₹5 Lakh / ₹7.5 Lakh / ₹10 Lakh / ₹15 Lakh / ₹20 Lakh / ₹25 Lakh / ₹50 Lakh / ₹1 Crore / ₹2 Crore / ₹3 Crore (Available across Pratham, Uttam, and Param)

Premium Options Under ManipalCigna Sarvah

• ManipalCigna Sarvah Pratham: A budget-friendly plan offering essential health coverage with a base premium starting at just ₹367/annum*, along with a 5% discount on website purchase.
• ManipalCigna Sarvah Uttam: Designed for those seeking broader coverage and additional benefits. Premium starts at ₹4,103/annum*, including a 5% online purchase discount.
• ManipalCigna Sarvah Param: The most enhanced protection level, offering zero waiting period through Tatkal Benefit, higher bonuses, and superior features. The base premium begins at ₹6,498/annum*, also with a 5% website discount.

These flexible pricing options ensure that whether you're looking for an entry-level plan or comprehensive family protection, ManipalCigna Sarvah offers exceptional value and unmatched benefits across all sum insured levels.

Who Should Buy a 5 Lakh Health Insurance Plan?

1. Young individuals starting their health insurance journey who want essential coverage at an affordable premium.
2. Couples and small families seeking dependable financial protection against common medical treatments and hospital expenses.
3. Healthy adults with minimal medical needs who require a safety net for unexpected illnesses or emergencies.
4. Residents of non-metro cities, where treatment costs are moderate.
5. Budget-conscious customers who prefer beginning with a practical sum insured and upgrading to higher coverage as needs evolve.
6. Employees covered under employer health policies who want an additional layer of personal protection for greater peace of mind.

Eligibility Criteria for 5 Lakh Health Insurance

Who Can Apply?

A 5 Lakh Health Insurance plan is designed to offer wide accessibility so individuals, couples, and families can easily secure essential medical protection.

Age Eligibility

Types of Coverage Available

Policy Duration Options

Who Can Be Covered?

Self, Spouse, Live-in Partner, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister, Sister-in-law, Brother-in-law.

A truly inclusive plan designed to protect your entire family, across generations.

Documents Required to Buy 5 Lakh Health Insurance

Note: Additional documents may be required based on your chosen plan, age, and medical history. For complete details, please contact our support team.

How to Buy a 5 Lakh Health Insurance Policy Online

Purchasing a 5 Lakh Health Insurance plan online with ManipalCigna is simple and convenient. Just visit the official ManipalCigna Health Insurance website, explore the available plan options, provide your basic details, and proceed to buy the policy securely through the online platform.

You can review coverage, compare benefits, upload necessary documents, and complete your purchase digitally ensuring a quick, hassle-free onboarding experience.

If you need assistance at any point, ManipalCigna’s support team is always available to guide you.

How Does a 5 Lakh Health Insurance Plan Work?

A 5 Lakh Health Insurance Plan with ManipalCigna acts as your Essential Shield—offering strong financial protection for medical expenses while giving you the flexibility to upgrade coverage as your healthcare needs grow.

Once your policy is active, you get coverage for eligible hospitalisation, treatments and medical services, along with powerful benefits available under the ManipalCigna Sarvah range – Pratham, Uttam and Param.

• Covers Major Medical Expenses: Your cover helps pay for hospitalisation expenses, including treatment for conditions like heart ailments, cancer, stroke and major organ/bone marrow transplant, as per policy terms.
• Cashless Treatment at Network Hospitals: You can avail cashless treatment at ManipalCigna’s network hospitals, where approved bills are settled directly, reducing your out-of-pocket burden.
• Unlimited Restoration of Sum Insured: If your base sum insured gets used, it can be restored unlimited times during the policy year for related or unrelated illnesses, subject to plan features.
• Stronger Protection with Sarathi, Gullak & Surplus
• Sarathi Benefit helps reduce the waiting period to 30 days for listed pre-existing diseases.
• Gullak Benefit offers up to 15x guaranteed bonus over the base sum insured, irrespective of claims.
• Surplus Benefit provides an additional 100% of the base sum insured from day 1 for the first claim in each policy year.
• Option for Zero Waiting Period (Tatkal Benefit – as per plan): Certain variants allow you to enjoy absolutely zero waiting period, ensuring protection from day one.
• Flexibility to Choose Higher Sum Insured: You can start with ₹5 lakh and opt for higher coverage options going up to ₹3 crore under suitable plans, as your health and financial needs evolve.

Along with ManipalCigna Sarvah, the company also offers a wide range of solutions like Lifetime Health, Prime Senior, ProHealth Prime, Super Top Up, ManipalCigna Accident Shield, Lifestyle Protection – Critical Care, Health 360, and Lifestyle Protection – Accident Care, so you can choose the right combination of covers for every stage of life.

How to File a Claim for 5 Lakh Health Insurance

Filing a claim under your 5 Lakh Health Insurance Plan with ManipalCigna is quick, seamless, and designed to reduce your financial stress during medical emergencies. Follow these simple steps to ensure a smooth claim process:

Step 1: Locate a Network Hospital

Use our Hospital Locator tool to find a network hospital near you and select one that best suits your convenience.

Step 2: Notify ManipalCigna

Inform us at least 48 hours before a planned hospitalization or within 24 hours in case of an emergency.

Step 3: Submit Pre-Authorization Form

Start the cashless process by filling out the Pre-Authorization form through the hospital’s TPA desk or online.

Step 4: Get Admitted

Focus on your recovery while we handle your medical expenses directly with the hospital.

Step 5: Discharge and Bill Settlement

Once you’re ready to go home, we’ll verify your final documents and settle the hospital bill as per policy terms and conditions.

Conclusion – Is a 5 Lakh Health Insurance Plan Right for You?

A 5 Lakh Health Insurance Plan is a practical and affordable starting point for individuals and families looking for essential medical coverage without stretching their budget. It offers protection against common hospitalisation expenses, provides financial security during medical emergencies, and ensures access to quality care when you need it most.

While this coverage level is suitable for young individuals, small families, and those seeking basic yet dependable protection, you may consider upgrading to a higher sum insured as healthcare costs rise or your lifestyle and responsibilities evolve.

If you're looking for a balanced combination of affordability, value, and meaningful protection, a 5 Lakh Health Insurance plan can be the right choice—especially when backed by a trusted insurer like ManipalCigna.

FAQs on 5 Lakh Health Insurance

1. What is a 5 Lakh Health Insurance plan?

A 5 Lakh Health Insurance plan offers medical coverage that helps you manage hospitalization and treatment expenses with greater financial ease.

2. Who should consider a 5 Lakh Health Insurance policy?

A 5 Lakh Health Insurance policy is ideal for young individuals, small families, and first-time buyers seeking essential and affordable coverage.

3. Is 5 Lakh Health Insurance enough for a family?

A 5 Lakh Health Insurance plan can be suitable for smaller families with limited medical needs, though higher coverage may benefit those seeking broader protection.

4. Does ManipalCigna offer cashless services under a 5 Lakh Health Insurance plan?

Yes, cashless treatment is available at network hospitals for eligible claims under a 5 Lakh Health Insurance plan.

5. Are pre-existing conditions covered in a 5 Lakh Health Insurance policy?

Pre-existing diseases are covered after the applicable waiting period as defined in the 5 Lakh Health Insurance policy terms.

6. What documents are needed to buy a 5 Lakh Health Insurance plan?

Basic identity proof, address proof, and any additional documents requested during verification are generally required to purchase a 5 Lakh Health Insurance plan.

7. Can I upgrade my 5 Lakh Health Insurance coverage later?

Yes, you may upgrade from a 5 Lakh Health Insurance plan to a higher sum insured option during renewal or as allowed under product guidelines.

8. Does a 5 Lakh Health Insurance plan include AYUSH coverage?

Most 5 Lakh Health Insurance plans include AYUSH treatments as part of the overall coverage, subject to policy terms.

9. How do I file a claim under a 5 Lakh Health Insurance policy?

You can file a claim by informing the insurer and following the standard cashless or reimbursement claim process for your 5 Lakh Health Insurance plan.

10. Are tax benefits available on a 5 Lakh Health Insurance plan?

Premiums paid for a 5 Lakh Health Insurance plan may qualify for tax benefits under applicable tax laws.