Individual Health Insurance

ManipalCigna’s Individual Health Insurance Plan is designed to give you complete peace of mind. It covers medical expenses for one person and provides financial protection against unexpected illnesses or injuries. With benefits like hospital stays, surgeries, and prescribed medicines, you can customize your plan based on your age, health needs, and budget.

Personalized Coverage

Cashless Hospitals

No Claim Bonus

24/7 Customer Service

5% Discount on Website Purchase*
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Individual Health Insurance Plans

BASE PREMIUM
₹433*/annum
  • Hospitalization coverage up to 3 Cr for Heart, Cancer, Stroke and major organ/bone marrow transplant.
  • Unlimited Restoration is available within the policy year, whether for unrelated or same condition in addition to the base sum insured.
  • With Sarathi, get your waiting period reduced to 30 days in Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
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BASE PREMIUM
₹4842*/annum
  • Get infinite coverage for hospitalisation related to Health, Cancer, Stroke and major organ/Bone marrow transplant or Accident.
  • With Sarathi, get your waiting period reduced to 30 days in Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
  • Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
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BASE PREMIUM
₹20,274*/annum
  • Any room category including suite available under Inpatient hospitalization in India for Sum Insured of Rs. 3 Crores.
  • Premium Waiver for one year upon happening of any of the covered contingencies.
  • Unlimited restoration for unrelated illnesses to ensure you never run out of cover
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What is Individual Health Insurance?

Individual health insurance is a policy purchased by a person to cover medical expenses for themselves, independent of employer-provided plans. It offers financial protection against hospitalization, treatments, and healthcare costs, ensuring access to quality medical services while reducing out-of-pocket expenses during illness or emergencies.

Overview of Manipalcigna's Individual Health Insurance

The features of individual health insurance vary slightly from one provider to another, but the core components remain consistent. Below are some of the most common features found in individual health insurance plans:

  • Coverage for Hospitalization: Includes inpatient care, surgeries, room rent, ICU charges, and nursing fees.

  • Pre and Post-Hospitalization: Medical expenses incurred before and after a hospital stay are covered for a defined period.

  • Daycare Procedures: Covers medical treatment, and/or Surgical Procedure which is undertaken in a Hospital/Day Care Centre in less than 24 hours.

  • Cashless Facility: Policyholders can access treatment at network hospitals without paying upfront. The insurer settles the bill directly with the hospital.

  • Add-on Covers: Includes features such as critical illness cover, personal accident cover, and maternity benefits, available at an additional cost.

  • Lifetime Renewability: Most individual health insurance plans offer coverage that can be renewed for life, provided premiums are paid on time.

  • Tax Benefits: Premiums paid for the plan are eligible for tax deductions under Section 80D of the Income Tax Act.

  • No-Claim Bonus (NCB): If no claim is made during the policy year, the sum insured may increase without an additional premium or you may get discount on the payable premium.

  • Free Annual Health Check-Ups: Complimentary check-ups once every policy year might be included in some individual medical insurance plans.

  • Wide Range of Sum Insured Options: Plans are available with various coverage limits to suit different needs and financial capacities.

Benefits of Individual Health Insurance

Individual health insurance provides numerous health benefits, like coverage for unexpected medical costs, while also offering financial and mental peace.

Personalized Coverage

The primary benefit of an individual policy is that there is a separate sum insured for every individual. This implies that the full coverage amount is available to you as a single policyholder and you will not have to share it with others.

Tailored Plans

With an individual policy, you have the option to choose plans based on your age, health status, and budget. The ability to customize allows you to select a policy that suits your personal needs.

Cashless Hospitalization

Most individual medical insurance providers have tie-ups with a wide network of hospitals. This makes it easy to avail of cashless claims at these network hospitals. You don't need to pay any cash up front with this facility.

Tax Savings

The premium that is paid for health insurance is deductible from taxable income. This benefit is available under Section 80D for self, spouse, children, and parents.

Portability Option

Policyholders can switch from one insurer to another without losing continuity benefits, like waiting periods for pre-existing diseases.

Rising Medical Costs Cover

Healthcare expenses are increasing rapidly. Individual health insurance protects you from such inflationary costs.

No-Claim Bonus

Insurers often reward the policyholder if no claim is made during the year. Insurers usually do this by increasing the coverage without increasing the premium or giving discount on payable premium.

Makes insurance affordable

Our family health coverage plans prove to be a more economical, affordable option as you don’t have to invest in individual health insurance plans.

Personalized Coverage

The primary benefit of an individual policy is that there is a separate sum insured for every individual. This implies that the full coverage amount is available to you as a single policyholder and you will not have to share it with others.

Tailored Plans

With an individual policy, you have the option to choose plans based on your age, health status, and budget. The ability to customize allows you to select a policy that suits your personal needs.

Cashless Hospitalization

Most individual medical insurance providers have tie-ups with a wide network of hospitals. This makes it easy to avail of cashless claims at these network hospitals. You don't need to pay any cash up front with this facility.

Tax Savings

The premium that is paid for health insurance is deductible from taxable income. This benefit is available under Section 80D for self, spouse, children, and parents.

Portability Option

Policyholders can switch from one insurer to another without losing continuity benefits, like waiting periods for pre-existing diseases.

Rising Medical Costs Cover

Healthcare expenses are increasing rapidly. Individual health insurance protects you from such inflationary costs.

No-Claim Bonus

Insurers often reward the policyholder if no claim is made during the year. Insurers usually do this by increasing the coverage without increasing the premium or giving discount on payable premium.

Makes insurance affordable

Our family health coverage plans prove to be a more economical, affordable option as you don’t have to invest in individual health insurance plans.

Policy Details of Manipalcigna Individual Medical Insurance Plan & Coverage Details

Policy Details of Individual Health Insurance

KEY FEATURES

INFORMATION
  • Coverage Benefits
  • This is Tooltip

    Examine what the policy includes—hospitalization, pre and post-treatment, maternity, daycare procedures, and more. Check if these benefits meet your needs.

 Examine what the policy includes—hospitalization, pre and post-treatment, maternity, daycare procedures, and more. Check if these benefits meet your needs.
  • Waiting Periods
  • This is Tooltip

    Most policies have waiting periods for certain conditions, like maternity or pre-existing diseases. Make sure you know these timelines before buying.

 Most policies have waiting periods for certain conditions, like maternity or pre-existing diseases. Make sure you know these timelines before buying.
  • Network Hospitals
  • This is Tooltip

    Normally, all insurance companies have a tie-up with multiple hospitals. These are known as their network hospitals. Make sure to check if your preferred hospital is affiliated with the insurance provider's network.

 Normally, all insurance companies have a tie-up with multiple hospitals. These are known as their network hospitals. Make sure to check if your preferred hospital is affiliated with the insurance provider's network.
  • Premium Cost
  • This is Tooltip

    Don’t blindly select the cheapest plan. Compare the coverage, exclusions, and claim settlement ratio for different plans before making a decision.

 Don’t blindly select the cheapest plan. Compare the coverage, exclusions, and claim settlement ratio for different plans before making a decision.
  • Room Rent Limit
  • This is Tooltip

    Usually, policies have a cap in place for the room rent. Choose a plan with a higher or no room rent limit to avoid paying extra during hospitalization.

 Usually, policies have a cap in place for the room rent. Choose a plan with a higher or no room rent limit to avoid paying extra during hospitalization.
  • Sub-Limits and Co-Payments
  • This is Tooltip

    Some policies may have limits on specific treatments or require co-payments. Be clear on these clauses to avoid surprises during claims.

 Some policies may have limits on specific treatments or require co-payments. Be clear on these clauses to avoid surprises during claims.
  • Claim Settlement Ratio
  • This is Tooltip

    The claim settlement ratio indicates whether the insurer settles claims promptly. A high ratio is a positive sign.

 The claim settlement ratio indicates whether the insurer settles claims promptly. A high ratio is a positive sign.
  • Customer Service
  • This is Tooltip

    Make sure that your insurer provides 24/7 assistance. This is essential, especially for emergencies.

 Make sure that your insurer provides 24/7 assistance. This is essential, especially for emergencies.
  • Add-On Covers
  • This is Tooltip

    You can improve your individual insurance by choosing add-on covers. These may include personal accident cover, critical illness benefits, or hospital cash allowance.

 You can improve your individual insurance by choosing add-on covers. These may include personal accident cover, critical illness benefits, or hospital cash allowance.

* Lorem ipsum dolor sit amet consectetur. Lorem ipsum dolor consectetur. Lorem consectetur ipsum dolor amet.

Eligibility Criteria For Buying Individual Health Insurance

To be eligible to buy ManipalCigna health insurance plans for individuals, you must comply with the following requirements.

Nationality and Residency Status

You should be an Indian citizen/resident by birth or a foreign passport holder residing in India on a valid visa for an extended period of time.

Minimum Entry Age

The buyer of the health insurance plan for family should be at least 18 years old, whereas the youngest member included for coverage should be at least 91 days old.

Maximum Entry Age

Depending on the type of family medical insurance plan you choose, the maximum entry age cannot exceed 65 years, at the time of purchasing the policy.

Pre-existing conditions

You must inform the insurer if any member in the family health plan has been diagnosed of any pre-existing medical conditions before purchasing the policy.

Medical tests

Selected or all members under medical insurance plans for family must be willing to undergo medical tests requested by the insurer at the time of buying the policy.

Documents Required for Individual Health Insurance Claims

Applying for an individual health policy requires basic documentation. The required documents are generally uniform across insurers. Here is what you will need:

  • Proof of Identity: Aadhaar card, passport, voter ID, or PAN card.
  • Proof of Address: Utility bills, ration card, or any government-issued address proof.
  • Age Proof: Birth certificate, school leaving certificate, or passport.
  • Passport-size Photographs: Recent photos of the applicant.
  • Medical Reports: For older applicants or those with existing health issues, a medical test may be necessary. Reports are then submitted to the insurer.
  • Income Proof: This may be asked for higher sum insured options.

These documents are usually required at the time of application and may also be asked for again during the claim process.

Read Full Policy Brochure

How to buy health insurance online?

1

Research and Compare

2

Select a Plan

3

Fill the Proposal Form

4

Submit Documents

5

Undergo Medical Tests (if applicable)

6

Pay the Premium

7

Policy Issuance

Buy Now

Types of Family Health Insurance Plans

At ManipalCigna, we offer an array of Health Insurance plans for family, each with varied coverage benefits and sums insured. You can choose from any of the following family health coverage plans.

Policy Name Range of Sum Insured Top Features
ProHealth Prime ₹3 lakhs - ₹1 crore
  • Switch off facility
  • Any room category selection(manipal cigna prime plus)
  • Non-medical expenses coverage (Optional Cover)
ManipalCigna Sarvah Pratham ₹5 lakhs - ₹3 crore
  • Unlimited restoration within policy year(optional cover)
  • 100% additional surplus of sum assured available from day 1 for 1st claim in each policy year (optional cover)
ManipalCigna Sarvah Uttam ₹5 lakhs - ₹3 crore
  • 10X bonus over sum insured (optional cover)
  • Infinite sum insured for hospitalization for heart, cancer, stroke and organ/bone marrow transplant (optional cover)
  • Unlimited restoration within policy year(optional cover)
ManipalCigna Sarvah Param ₹5 lakhs - ₹3 crore
  • Zero waiting period with Tatkal Benefit
  • Comprehensive personal accident cover up to ₹3 crore(optional cover)
  • 100% additional surplus of sum assured available from day 1 for 1st claim in each policy year
LifeTime Health(Global) ₹50 lakhs - ₹3 crore
  • Pre-existing Disease covered after 24 months of continuous coverage
  • Loyalty discount on premiums
  • Global coverage for major illnesses
ProHealth Select B ₹2 lakhs - ₹25 lakhs
  • Customizable plan
  • Reassurance option for premium waiver
  • Cumulative Bonus of 5% each year maximum up to 100% on non-reducing basis
Accident Shield Prod Up to ₹25 Crore
  • Comprehensive Accidental Death coverage
  • Permanent Total and Permanent Partial Disablement Cover
  • Child Welfare cover (optional cover)
LifeStyle Protection Critical Care ₹1 lakh - ₹25 Crore
  • Coverage for major critical illnesses
  • Access to online wellness programs
  • Lump sum and staggered payout options

Why Choose Manipalcigna's Family Health Insurance Policy

Here’s why you should choose ManipalCigna as your health insurance provider:

  • Affordable premiums: At ManipalCigna Health Insurance, we offer an array of affordable family medical insurance plans, carefully designed considering the different budgets of buyers.
  • Multi-year policies: We provide single year, two-year, and three-year medical insurance plans for family, with special benefits and savings for those opting for multi-year policies.
  • Extensive hospital network: ManipalCigna has tied up with a wide range of network hospitals and reputed medical facilities across India, where you can seek cashless hospitalization coverage benefits.
  • Round-the-clock assistance: Whether you need help finding a hospital, assistance with claim filing or policy-related information, we are here to assist and guide you at every turn.
  • Various payment options: You can buy your policies through various online and offline modes.
  • Expert Assist: ManipalCigna’s patented ‘Expert Assist’ chatbot is ever present on our website. You can make inquiries, raise concerns, ask questions and more through this facility.
  • Instant quote facility: We provide instant premiums quotes for your health insurance plans for family after evaluating your coverage needs through a simple form on our website.
  • Easy policy management: With ManipalCigna, you can easily and conveniently modify your policy and coverage terms, add or remove members or riders, and make other vital changes.

Important Information Related To Our Family Health Insurance Plans

At ManipalCigna, we understand that your time is precious and that you may not be able to visit our offices to purchase health insurance for family members in person. So, we provide you the facility to purchase our plans online. Here’s what you need to do:

  • Visit the ManipalCigna Health Insurance website.
  • Click on the Health Insurance tab on the home page.
  • Review the various policies and shortlist one after assessing the scope of coverage.
  • Click on the ‘get quote’ tab to reveal a new page.
  • Enter the requested details such as the number of members to secure, their age, date of birth, and gender, along with your email address and contact number if you are the buyer.

Based on the details you provide, a Health Insurance Expert from ManipalCigna will get in touch with you to understand your requirements and guide you with the online buying process. The representative will send you a link for an online form that you need to fill, wherein you can also attach soft copies of the requested ID and address proof (KYC) documents of all the members covered under the health plan.

In case an insured member is above the age of 40, you will be informed about the process you need to follow in order to undergo a medical test, if required by ManipalCigna. Once the test is completed, ManipalCigna will mail you your policy on your email ID and home mailing address.

CLAIMS PROCESS

Your Step-By-Step Guide To The
Claims Process

  • Product 1
    STEP 1

    Find the Network Hospital

    Use Hospital Locator and find our network hospital and choose as per your convenience.

  • Product 1
    STEP 2

    Intimate ManipalCigna

    Inform us 48hrs before the hospitalization or within 24hrs in case of emergency

  • Product 1
    STEP 3

    Complete Pre-auth Form

    Initiate the process with filling up the Pre-authorization form Via Hospital’s TPA Desk or Online

  • Product 1
    STEP 4

    Get Hospitalized

    Rest easy, and focus on your recovery while we take care of your medical expenses directly

  • Product 1
    STEP 5

    Get Discharged

    Time to go home, we will review your final document and settle the hospital bill as per policy T&C

Things To Consider Before Buying the Best Health Insurance Plans For Family

You must take the following vital factors into account to ensure you’ve purchased the best health insurance plan for your family:

  • The coverage terms: You must choose a policy providing wholesome coverage, be it general and critical illness treatments, daycare treatments, pre and post-hospitalization coverage, etc.
  • The sum insured: It is better to choose family medical insurance plans with higher sums insured so it covers the expenses of multiple members seeking treatment in one policy year.
  • The plan’s sub-limits: Every plan has a sub-limit on the amount you can claim, e.g., hospital room rent, ambulance coverage, etc. Remember to check these limits before finalizing a policy.
  • The premium charges: You must ensure you choose a policy with a budget-friendly premium, one that you can afford to pay and renew every year to enjoy uninterrupted medical coverage.
  • The insurer’s hospital network: It is always a good idea to browse through the insurer’s hospital network and check if hospitals in your vicinity or your preferred hospitals are included.
  • The policy’s waiting period: All health insurance plans typically include a waiting period during which you can’t file a claim. Ensure you choose a policy with a shorter waiting period.
  • Renewability age: A vital factor to consider when buying medical insurance plans for family is the insurer’s renewability clause. Non-renewability bars you from coverage after a certain age.
  • The exclusions: While you may be inclined to check the terms of coverage included in your policy, it is just as crucial to assess the incidents and treatments outside the scope of coverage.

Top 10 Reasons to Buy a Family Health Insurance Plan

  • Single Policy for the Entire Family: A family floater plan covers all members under one policy, removing the need to buy multiple individual plans.
  • Cost-Effective Premiums: Since the sum insured is shared, premiums are generally more economical compared to separate policies for each member.
  • Financial Protection Against Medical Expenses: Helps safeguard your savings by covering hospitalization, treatments, diagnostics, and emergency care.
  • Covers All Age Groups: From young children to elderly parents, one plan ensures comprehensive protection for every family member.
  • Cashless Hospitalization: Access cashless treatment at network hospitals, ensuring faster medical care without upfront payment stress.
  • Easy Policy Management: Renewals, claim submissions, updates, and member additions are simplified through a single consolidated policy.
  • Restoration & Bonus Benefits: Many family plans offer sum insured restoration and no-claim bonuses, enhancing financial coverage every year.
  • Preventive Health Check-Ups: Regular health check-ups help detect issues early and encourage a proactive approach to family wellness.
  • Tax Savings: Premiums paid for family health insurance qualify for tax deductions under Section 80D, helping reduce overall tax liability.
  • Peace of Mind During Medical Emergencies: Knowing your loved ones are protected ensures emotional comfort and confidence during uncertain times.

Difference between Individual Health Insurance and Family Health Insurance Plans

Feature Individual Health Insurance Plan Family Health Insurance Plan
Individuals Covered Covers only one person at a time, i.e., the named policyholder. Individuals Covered Covers only one person at a time, i.e., the named policyholder. Covers multiple members included in the family health insurance plan.
Sum Insured Utilization Sum insured can be utilized only by the named policyholder and is non-transferable to others. Sum insured is distributed among the insured members and can be utilized individually or collectively.
Premium Calculation Premium Calculation Premium is computed based on the policyholder’s age. Premium is computed based on the oldest policyholder’s age. Premium is computed based on the oldest policyholder’s age.
Minimum Entry Age The minimum entry age to buy an individual health insurance plan is typically 18 years. The minimum entry age is 91 days, with at least one covered member being 18 years or older.
Renewal Each individual policy must be renewed separately on or before the renewal date. You can renew coverage for all family members under one policy in one go.
CUSTOMER TESTIMONIALS

Here’s what our customers are saying about us

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PUNJAB

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BANGALORE

“Thank you so much for your excellent responses to all my questions. You explained everything in such a clear and easy-to-understand manner. I appreciate your help and the thoughtful guidance you provided. Your support has made a significant difference.”

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NILESH VITHALBHAI VARIA

DIRECTOR

“I'm impressed with how thoroughly you answered my questions. Your explanations were clear and well-organized, and you provided excellent examples to illustrate your points. I particularly appreciate your polite and patient communication style. It made the whole process very pleasant!”

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DIRECTOR

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- YARLAGADDA

SUBASH CHANDRA BOSE

“I appreciate the conversation we had. The detailed information you provided was immensely helpful. Thank you for your excellent support.”

NILESH VITHALBHAI VARIA

DIRECTOR

“I'm impressed with how thoroughly you answered my questions. Your explanations were clear and well-organized, and you provided excellent examples to illustrate your points. I particularly appreciate your polite and patient communication style. It made the whole process very pleasant!”

MANAS SWAIN

DIRECTOR

FAQ’s

FAQs on Individual Health Insurance

  • Who Should Buy Individual Health Insurance?

  • How Many Claims Are Allowed in A Year?

  • Is There Any Income Tax Exemption Under Individual Health Insurance?

  • What if I want to Renew Individual health insurance With Add-On Covers?

  • Is the OPD Benefit Covered Under Individual Health Insurance?