Our Health Insurance Promise
At ManipalCigna Health Insurance, we strive to match your commitment to the health of your family. And our products are designed to honor that. Whatever your life stage and family requirements, we have a solution that will meet all your health care needs
Sum Insured : ₹ 3 Lacs - ₹ 1 Crore
A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
Best suited for
Individual
Family
Multi Individual
Key Benefits
Covers your Non-Medical expenses
Allows you to choose "Any Room" category whether suite or above
Restores your Sum Insured unlimited times incase you are short of coverage for related/unrelated illnesses/injuries
Sum Insured : ₹ 2.5 Lacs - ₹ 1 Crore
A comprehensive hospitalization plan for you and your family
Best suited for
Individual
Family
Multi Individual
Key Benefits
Cashless treatment at 7500+ hospitals
Guaranteed cumulative bonus up to 200% of SI
Tax saving benefits under Sec 80D, IT Act
Sum Insured : ₹ 50 Lacs - ₹ 3 Cr
A health insurance that lasts for a lifetime
Best suited for
Individual
Family
Multi Individual
Key Benefits
Customize as per the changing life stages with optional packages such as Global+ (Global OPD & more), Women+ (specialized package for women) and Health+ (coverage enhancement)
Loyalty discount on premium from 4th Policy year onwards on the applicable premium
Coverage across the globe for Major illnesses including Cancer treatment
Sum Insured : ₹ 0.5 Lac - ₹ 25 Lacs
Design your own health plan and pay for what you choose. Customise your plan according to your needs with ProHealth Select and reassure your future
Best suited for
Individual
Family
Multi Individual
Key Benefits
Customizable plan
Reassurance option for premium waiver
Flexible sum insured options
Launch Date: 08-05-2023
Sum Insured : ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Cashless treatment at 7500+ hospitals
Option to choose any room category
All Day Care treatments covered
Sum Insured : Up To ₹ 10 Lacs
Affordable standard health insurance plan
Best suited for
Individual
Family
Multi Individual
Key Benefits
Coverage available for Allopathic & AYUSH treatments
Includes cover for Modern & Advanced Treatments
Affordable all India health coverage
Sum Insured : Up to ₹ 5 Lacs
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
Best suited for
Individual
Key Benefits
Coverage available for Allopathic & AYUSH treatments
Includes cover for Modern & Advanced Treatments
Includes Treatment for Cataract
Sum Insured : ₹ 3 Lacs - ₹ 50 Lacs
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Coverage from 91st day onwards for Pre-existing diseases
Allows to choose 'Any Room' category, whether suite or above
Restores your Sum insured unlimited times in case you are short of coverage for related/unrelated illnesses/injuries
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna Hospitalisation Cover
What is Hospital Cover?
Hospital cover is a part of health insurance that helps you get comprehensive financial coverage for the costs included under hospitalisation. By opting for basic a hospital cover insurance, in case of any medical emergency, you are treated as a private patient and allotted a dedicated ward. The costs like in-hospital treatment, accommodation fees,surgery fees and all those expenses associated with hospitalisation. You can avail the benefit of getting admitted to the network hospitals that we have, spread across the country, along with a provision of cashless hospitalisation. The only mandatory thing is that the hospitalisation needs to be at least 24 hours from the time of admission.
Why do you need ManipalCigna Hospital Cover?
ManipalCigna offers you two different plans with private hospital cover and a bunch of benefits. You get in-patient hospitalisation cover through which all the room charges, nursing charges, ICU charges, surgeon as well as doctor fees, operation theatre, blood and oxygen and several other medical expenses are covered. ManipalCigna is beneficial too as it covers not just hospitalisation charges under basic hospital cover, but also offer you financial backup for several other costs. The ProHealth plan covers pre as well as post hospitalisation costs such as medical expenses made during the recovery process of 30 days. If the treatment you undergo needs less than 24 hours, 500 plus day-care procedures are made available under the plan. If the bed vacancy is nil or if you are unable to reach the hospital due to severe conditions, you can get domiciliary treatment at your home. Many times, hospital cover doesn’t include ambulance charges; however, ManipalCigna offers it to you at your convenience. Transportation expenses by an ambulance are also important while considering medical emergencies. Maternity and new-born medical costs are also taken care of under the basic hospital cover of ManipalCigna. Along with regular coverage, ManipalCigna private hospital cover also includes health check- ups, expert opinions on critical illnesses, and so on.
What does our Hospital Cover include?
ManipalCigna offers affordable hospital cover along with a wide range of benefits. Here is the list of applications that you are entitled to get under the policy- All in-patient hospitalisation, along with pre and post-hospitalisation expenses. Day-care treatment for hospitalisation with less than 24 hours. Donor Expenses covering the cost of organ and transplant expenses. AYUSH cover, which is nothing but any treatment falling under Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy treatment for the event occurred due to illnesses or accidents. Maternity expenses, along with new-born medical expenses and first-year vaccination charges, are covered under ManipalCigna’s affordable hospital cover. Health check-ups and expert opinion on critical illness You can also opt for a critical illness rider with the hospital cover you have chosen. Several discounts such as a long-term discount, family discount, co-pay discount, cancellation provision are also available with tax benefits.
What does our Hospital Cover includes?
Though ManipalCigna provides one of the best hospital covers of its kind, there are certain exclusions which you need to consider.
Hospitalisation due to HIV/AIDS and its complications is not covered under hospital cover insurance.
Hospitalisation happened due to drug abuse or an act of suicide.
Any disease occurred by contamination from nuclear fuel or radiation is not covered.
Any injury due to act of foreign invasion or civil war is excluded from hospital cover.
Our Health Insurance Promise
At ManipalCigna Health Insurance, we strive to match your commitment to the health of your family. And our products are designed to honor that. Whatever your life stage and family requirements, we have a solution that will meet all your health care needs