Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
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
Launch Date: 14-04-2023
SecureHealth, ManipalCigna
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
Sum Insured
4Lacs- 5Lacs
Sum Insured
4 Lacs
PREMIUM PER ANNUM
18,472* inclusive of taxes
*The Premium value is indicative for the below mentioned profile: Gender – Male, Age – 18, Non Smoking, not having been affected by HIV / AIDS, with Pre-existing disability
**In order to avail any other sum insured or for understanding of Terms and Conditions/Benefits, kindly get in touch with the customer service/sales representative at the ManipalCigna branch office.
Proposal may be subject to underwriting review.
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 1% of SI per day. ICU/ICCU charges covered up to 2% of SI per 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 100% 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 up to ₹40,000 per each eye if you undergo a treatment or surgery for Cataract.
Modern Treatmentsto cover medical expenses up to 50% of sum insured if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.
Co pay of 20% 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. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Min Entry Age
18 Years (for Adults) , New born (0 days)(for Children)
Max Entry Age
65 Years (for Adults) , 17 Years (for Dependent Children)
Cover Type
Individual
Policy Period
1 year
Relationships covered
Individual Policy : self, spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, sister in-law, brother in-law, uncle, aunty, nephew & niece
Premium Payment Mode
Yearly, Half Yearly, Quarterly, and Monthly
Eligibility Criteria
All Persons with Disability who have at least one of the disabilities as defined under Specified Disability under The Rights Of Persons With Disabilities Act, 2016 with valid disability certificate Or / and Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017, are eligible to enrol in this product.
