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Affordable standard health insurance plan

Sum Insured : Up To ₹ 5 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

UIN: MCIHLIP20156V011920
Launch Date: 01-04-2020

GET YOUR ESSENTIAL HEALTH COVERAGE WITH STANDARD HEALTH INSURANCE PLAN

Health insurance is a preferred protection solution for health risks considering rising medical costs. If you and your loved ones are yet to be covered under any health insurance plan, then it’s time to take the first step towards securing the future. Arogya Sanjeevani Policy, ManipalCigna is designed to provide much needed financial backup at times of medical emergencies. It’s simple and yet takes care of most of the hospitalisation needs that arise from illness and injury.

WHAT IS AROGYA SANJEEVANI POLICY?

Arogya Sanjeevani Policy, ManipalCigna is a health insurance plan designed by IRDAI and made available by ManipalCigna Health Insurance company. It is a standard insurance coverage to address the basic health care needs of people.

SUM INSURED (SI) UPTO Rs. 5 LACS

This plan comes with choice of multiple sum insured options. Rs. 1/1.5/2/2.5/3/3.5/4/4.5/5 Lacs

GET ALL DAY CARE TREATMENTS COVERED

Day Care Treatments refer to those treatments that are done under general or local anesthesia in a hospital or in a day care center, and take less than 24 hours. Under this plan we cover all the Day Care treatments.

CASHLESS CLAIM SETTLEMENT IN OVER 6500+ NETWORK HOSPITALS IN ALL OVER THE COUNTRY

ManipalCigna is associated with more than 6500 hospitals across the country. By availing this plan, you will be eligible to settle your claims on cashless basis across this network of hospitals

SAME PREMIUM ACROSS THE COUNTRY

For this policy, there is no zone based premium.

In-patient Hospitalization to take care of the room, ICU, nursing charges, doctor, surgeon fees, operation theatre charges and other medical expenses. Room rent covered up to 2% of SI, max of ₹ 5,000/day. ICU charges covered up to 5% of SI, max of ₹ 10,000/day.

Pre-Hospitalization to cover medical expenses incurred upto 30 days before the date of hospitalization.

Post-Hospitalization to cover medical expenses incurred upto 60 days after you are discharged from the hospital.

AYUSH Cover to take care of in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy.

Day Care Treatment pays for medical expenses if you undergo a treatment or surgery that needs less than 24 hours of hospitalization.

Road Ambulance Cover reimburses expenses upto ₹ 2000 per hospitalisation event for ambulance services towards transportation to hospital for treatment.

Cataract Treatment pays for medical expenses upto 25% of SI OR ₹ 40,000 whichever is lower per each eye if you undergo a treatment or surgery for Cataract.

Modern Treatmentsto cover medical expenses if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.

Cumulative Bonus of 5% for each claim free policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.

Co pay of 5% is applicable on all claims.

What’s covered

  • Inpatient Hospitalization
  • Day Care
  • Pre & Post Hospitalization
  • Road Ambulance
  • In-patient AYUSH Treatment
  • Cataract treatment
  • Modern and Advanced treatments
  • Dental Treatment necessitated due to illness/injury

What’s not covered

  • Illness resulting from any breach of law
  • Hazardous or Adventure Sports
  • Contamination from Nuclear fuel or radiation
  • Unproven Treatments, Drug abuse
  • Foreign invasion or civil war



    Above List is only indicative and not exhaustive
Minimum Entry Age

18 Years (for Adults) , 91 days (for Children)

Maximum Entry Age

65 Years (for Adults) , 25 Years (for Dependent Children)

Cover Type

Individual and Family Floater

Policy Term

1 year

Relationships Covered

Individual Policy : self, spouse, dependent son & daughter, parents & parents in law.

Family Floater : self, spouse, dependent children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)

Premium

Monthly/Quarterly/Half-yearly/Yearly payments

Renewal

Lifetime, provided the insured person is still associated with us.

Arogya Sanjeevani Policy

GET YOUR ESSENTIAL HEALTH COVERAGE WITH STANDARD HEALTH INSURANCE PLAN

Health insurance is a preferred protection solution for health risks considering rising medical costs. If you and your loved ones are yet to be covered under any health insurance plan, then it’s time to take the first step towards securing the future. Arogya Sanjeevani Policy, ManipalCigna is designed to provide much needed financial backup at times of medical emergencies. It’s simple and yet takes care of most of the hospitalisation needs that arise from illness and injury.

WHAT IS AROGYA SANJEEVANI POLICY?

Arogya Sanjeevani Policy, ManipalCigna is a health insurance plan designed by IRDAI and made available by ManipalCigna Health Insurance company. It is a standard insurance coverage to address the basic health care needs of people.

SUM INSURED (SI) UPTO Rs. 5 LACS

This plan comes with choice of multiple sum insured options. Rs. 1/1.5/2/2.5/3/3.5/4/4.5/5 Lacs

GET ALL DAY CARE TREATMENTS COVERED

Day Care Treatments refer to those treatments that are done under general or local anesthesia in a hospital or in a day care center, and take less than 24 hours. Under this plan we cover all the Day Care treatments.

CASHLESS CLAIM SETTLEMENT IN OVER 6500+ NETWORK HOSPITALS IN ALL OVER THE COUNTRY

ManipalCigna is associated with more than 6500 hospitals across the country. By availing this plan, you will be eligible to settle your claims on cashless basis across this network of hospitals

SAME PREMIUM ACROSS THE COUNTRY

For this policy, there is no zone based premium.

In-patient Hospitalization to take care of the room, ICU, nursing charges, doctor, surgeon fees, operation theatre charges and other medical expenses. Room rent covered up to 2% of SI, max of ₹ 5,000/day. ICU charges covered up to 5% of SI, max of ₹ 10,000/day.

Pre-Hospitalization to cover medical expenses incurred upto 30 days before the date of hospitalization.

Post-Hospitalization to cover medical expenses incurred upto 60 days after you are discharged from the hospital.

AYUSH Cover to take care of in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy.

Day Care Treatment pays for medical expenses if you undergo a treatment or surgery that needs less than 24 hours of hospitalization.

Road Ambulance Cover reimburses expenses upto ₹ 2000 per hospitalisation event for ambulance services towards transportation to hospital for treatment.

Cataract Treatment pays for medical expenses upto 25% of SI OR ₹ 40,000 whichever is lower per each eye if you undergo a treatment or surgery for Cataract.

Modern Treatmentsto cover medical expenses if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.

Cumulative Bonus of 5% for each claim free policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.

Co pay of 5% is applicable on all claims.

What’s covered

  • Inpatient Hospitalization
  • Day Care
  • Pre & Post Hospitalization
  • Road Ambulance
  • In-patient AYUSH Treatment
  • Cataract treatment
  • Modern and Advanced treatments
  • Dental Treatment necessitated due to illness/injury

What’s not covered

  • Illness resulting from any breach of law
  • Hazardous or Adventure Sports
  • Contamination from Nuclear fuel or radiation
  • Unproven Treatments, Drug abuse
  • Foreign invasion or civil war



    Above List is only indicative and not exhaustive
Minimum Entry Age

18 Years (for Adults) , 91 days (for Children)

Maximum Entry Age

65 Years (for Adults) , 25 Years (for Dependent Children)

Cover Type

Individual and Family Floater

Policy Term

1 year

Relationships Covered

Individual Policy : self, spouse, dependent son & daughter, parents & parents in law.

Family Floater : self, spouse, dependent children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)

Premium

Monthly/Quarterly/Half-yearly/Yearly payments

Renewal

Lifetime, provided the insured person is still associated with us.

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.