A health insurance that lasts for a lifetime

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

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UIN: MCIHLIP21559V012021
Launch Date: 15-01-2021

Various Plans

ManipalCigna Lifetime Health

has been designed keeping your needs in mind.

Lifetime Health - India Plan

ManipalCigna Lifetime Health – India Plan helps you to have enough coverage for major health eventualities and you can customize it as per your need

Sum Insured

50Lacs- 3Cr

Sum Insured

50Lacs - 3 Cr

Sum Insured 1

₹ 1 Cr

50 Lacs

3 Cr

PREMIUM PER ANNUM

17942* inclusive of taxes

*The Premium value is indicative for the below mentioned profile  – Age of the eldest Insured – 30, Cover type – Family Floater ( 2 Adults), Policy Tenure- 1 year, Premium payment mode- Single Proposal may be subject to underwriting review

Sum Insured1 - Domestic coverage within India due to any illness or injury.

Hospitalization Expenses- Hospital expenses as per eligible room category, for admission longer than 24 hours, up to the full Sum Insured, where hospitalization is in India.
- For Sum Insured up to INR 200 Lacs - Covered up to any room except suite or higher category.
- For Sum Insured INR 300 Lacs – Covered up to any room including suite category.

Adult Health Check-up- Available once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Robotic and Cyber Knife Surgery-Up to full Sum Insured, for treatment availed in India.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 60 days preceding the date of Hospitalization and up to the full Sum Insured.

Modern and Advanced Treatments- Up to full Sum Insured, for treatment availed in India.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

HIV/AIDS and STD Cover- Up to full Sum Insured, for expenses incurred in India.

Inpatient Hospitalization for AYUSH- Up to full Sum Insured, for treatment availed in India.

Mental Care Cover- Up to full Sum Insured, for treatment availed in India.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India.

Domiciliary Expenses- Up to 10% of Sum Insured, for expenses incurred in India.

Premium Waiver Benefit- Renewal Premium for one Policy Year will be paid by Us, if the Proposer is diagnosed with any of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement, Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured Person in the same Policy.

What’s covered

  • Hospitalization Expenses
  • Day Care Treatment
  • Pre – hospitalization
  • Post – hospitalization
  • Inpatient Hospitalization for AYUSH
  • Road Ambulance Cover
  • Donor Expenses
  • Domiciliary Expenses
  • Adult Health Check-up
  • Robotic and Cyber Knife Surgery
  • Modern and Advanced Treatments
  • HIV/AIDS and STD Cover
  • Mental Care Cover
  • Restoration of Sum Insured
  • Premium Waiver Benefit

What’s not covered

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Treatment received outside India
  • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
  • Treatments received in heath hydros, nature cure clinics, spas or similar establishments
  • Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances.
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity

    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
Optional Package- Health +:

This package is available on Individual basis however selection is allowed at policy level.

  • Air Ambulance Cover
  • Medical Devices and Non-Medical Items
  • Domestic Second Opinion
  • Bariatric Surgery Cover
  • Convalescence Benefit
  • Major Illness Hospi Cash
  • Chemotherapy and Radiotherapy Cash
  • Accidental Hospi Cash
  • Domestic Concierge Services
  • Tele-Consultations


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus

Optional Package- Women+:

Available to female of age 12 years and above. This package is available on Individual basis however selection is allowed at policy level.

  • Breast Cancer Screening
  • Cervical Cancer Screening
  • Cervical Cancer Vaccination
  • Ovarian Cancer Screening
  • Osteoporosis Screening
  • Gynaecological Consultations
  • Psychiatric and Psychological Consultations

Riders

Critical Illness Add On Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater (max 2 adults & 3 Children)

Max Entry Age

Child : 25 years Adult : 65 years

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, lawfully wedded spouse (same or opposite gender), children, parents, siblings, parent in laws and more (Please download product brochure for more details)

Premium Payment Mode

Single, Annual, Half yearly, Quarterly, Monthly

Lifetime Health - Global Plan

ManipalCigna Lifetime Health - Global Plan is designed to help you to have enough coverage for treatment across the globe for major illnesses and you can customize it as per your need.

Sum Insured

50Lacs - 3Cr

Sum Insured

50Lacs - 3 Cr

Sum Insured 1

₹1 Cr

Sum Insured 2

₹1 Cr

50 Lacs

50 Lacs

3 Cr

3 Cr

PREMIUM PER ANNUM

23111* inclusive of taxes

*The Premium value is indicative for the below mentioned profile- Age of the eldest Insured – 30, Cover type – Family Floater ( 2 Adults), Policy Tenure- 1 year, Premium payment mode- Single, Area of Cover- Worldwide excluding India, Major illness- Cancer Treatment. Proposal may be subject to underwriting review

Sum Insured1 - Domestic coverage within India due to any illness or injury.
Sum Insured2- Global coverage for outside India within the opted Area of Cover for the covered Major illness/es.

Hospitalization Expenses- Hospital expenses as per eligible room category, for admission longer than 24 hours, up to the full Sum Insured, where hospitalization is in India.
- For Sum Insured up to INR 200 Lacs - Covered up to any room except suite or higher category.
- For Sum Insured INR 300 Lacs – Covered up to any room including suite category.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Premium Waiver Benefit- Renewal Premium for one Policy Year will be paid by Us, if the Proposer is diagnosed with any of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement, Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured Person in the same Policy.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 60 days preceding the date of Hospitalization and up to the full Sum Insured.

Global Hospitalization for Major Illness- Hospital expenses for admission longer than 24 hours or Day Care Treatment. The cover is available for treatment of the opted Major Illness/es, availed outside India, within the selected Area of Cover.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

Global Pre- hospitalization- Medical Expenses covered up to 60 days preceding the date of Hospitalization, for treatment of a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Inpatient Hospitalization for AYUSH- Up to full Sum Insured, for treatment availed in India.

Global Post- hospitalization- Medical Expenses covered up to 180 days immediately post discharge from the hospital, after the Hospitalization for treatment of a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Global Ambulance Cover- Expenses incurred on availing Road or Air Ambulance services, in case of an Emergency due to a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured. Air Ambulance service is limited to one event per Policy Year for each Insured Person.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India.

Medical Evacuation- Expenses incurred on medical evacuation of the Insured Person due to a covered Major Illness, from outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Domiciliary Expenses- Up to 10% of Sum Insured, for expenses incurred in India.

Medical Repatriation- Expenses incurred on medical repatriation of the Insured Person due to a covered Major Illness, from outside India within the opted Area of Cover. Cover is available up to the full Sum Insured.

Adult Health Check-up- Available once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year.

Repatriation of Mortal Remains- Expenses incurred on repatriation of mortal remains of the Insured Person, from outside India within the selected Area of Cover, in case of death due to a covered Major Illness. Cover is available up to the full Sum Insured.

Robotic and Cyber Knife Surgery- Up to full Sum Insured, for treatment availed in India.

Global Travel Vaccination- Cost of vaccine is covered up to the full Sum Insured. The benefit is available for vaccination/s mandatorily prescribed by the World Health Organization (WHO) for traveling to an intended destination, outside India within the opted Area of Cover, or while traveling back to India after availing treatment of a covered Major Illness. The benefit is limited to once in a policy year for each Insured Person.

Modern and Advanced Treatments- Up to full Sum Insured, for treatment availed in India.

Global Robotic and Cyber Knife Surgery- Medical expenses incurred for Robotic and Cyber Knife Surgery of a covered Major Illness outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

HIV/AIDS and STD Cover- Up to full Sum Insured, for expenses incurred in India.

Global Modern and Advanced Treatments- Medical expenses incurred for Modern and Advanced Treatments of a covered Major Illness outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Mental Care Cover- Up to full Sum Insured, for treatment availed in India.

What’s covered

  • Hospitalization Expenses
  • Day Care Treatment
  • Pre – hospitalization
  • Post – hospitalization
  • Inpatient Hospitalization for AYUSH
  • Road Ambulance Cover
  • Donor Expenses
  • Domiciliary Expenses
  • Adult Health Check-up
  • Robotic and Cyber Knife Surgery
  • Modern and Advanced Treatments
  • HIV/AIDS and STD Cover
  • Mental Care Cover
  • Restoration of Sum Insured
  • Premium Waiver Benefit
  • Global Hospitalization for Major Illness
  • Global Pre- hospitalization
  • Global Post- hospitalization
  • Global Ambulance Cover
  • Medical Evacuation
  • Medical Repatriation
  • Repatriation of Mortal Remains
  • Global Travel Vaccination
  • Global Robotic and Cyber Knife Surgery
  • Global Modern and Advanced Treatments

What’s not covered

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
  • Treatments received in heath hydros, nature cure clinics, spas or similar establishments
  • Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances.
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity

    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
Optional Package- Health +:

This package is available on Individual basis however selection is allowed at policy level.

  • Air Ambulance Cover
  • Medical Devices and Non-Medical Items
  • Domestic Second Opinion
  • Bariatric Surgery Cover
  • Convalescence Benefit
  • Major Illness Hospi Cash
  • Chemotherapy and Radiotherapy Cash
  • Accidental Hospi Cash
  • Domestic Concierge Services
  • Tele-Consultations

Optional Package- Global +:

This package is available on Individual basis however selection is allowed at policy level.

  1. Global Hospi Cash
  2. Global Convalescence Benefit
  3. Global Out Patient Expenses
  4. Global Chemotherapy and Radiotherapy Cash
  5. Travel Expenses Benefit
  6. Global Second Opinion


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.

Optional Package- Women+:

Available to female of age 12 years and above. This package is available on Individual basis however selection is allowed at policy level.

  • Breast Cancer Screening
  • Cervical Cancer Screening
  • Cervical Cancer Vaccination
  • Ovarian Cancer Screening
  • Osteoporosis Screening
  • Gynaecological Consultations
  • Psychiatric and Psychological Consultations

Riders

Critical Illness Add On Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater (max 2 adults & 3 Children)

Max Entry Age

Child : 25 years Adult : 65 years

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, lawfully wedded spouse (same or opposite gender), children, parents, siblings, parent in laws and more (Please download product brochure for more details)

Premium Payment Mode

Single, Annual, Half yearly, Quarterly, Monthly

Nationality:
The Global Plan is available to all Insured Persons provided they are resident of India at inception of the Policy and at subsequent renewals of this plan

Plan Comparison

What am I covered for India Plan Global Plan
Sum Insured1 (INR) 50 Lacs/ 75 Lacs/ 100 Lacs/ 150 Lacs/ 200 Lacs/ 300 Lacs 50 Lacs/ 75 Lacs/ 100 Lacs/ 150 Lacs/ 200 Lacs/ 300 Lacs
Sum Insured2 (INR) No 50 Lacs/ 75 Lacs/ 100 Lacs/ 150 Lacs/ 200 Lacs/ 300 Lacs
Major Illness
(For coverages outside India)
No Option to select the Major Illness/es for which coverage is required under Covers 16 to 25.
  1. 1. Only ‘Cancer Treatment’ or
  2. 2. All 27 Major Illnesses listed in the Policy
This selection is not applicable for Covers 1 to 15
Area of Cover
(For coverages outside India)
No Option to select any one as Area of Cover (AOC), applicable to Covers 16 to 25:
Worldwide
Worldwide excluding USA and Canada
Cover/s India Plan Global Plan
1. Hospitalization Expenses Yes Yes
2. Day Care Treatment Yes Yes
3. Pre – hospitalization Yes Yes
4. Post – hospitalization Yes Yes
5. Inpatient Hospitalization for AYUSH Yes Yes
6. Road Ambulance Cover Yes Yes
7. Donor Expenses Yes Yes
8. Domiciliary Expenses Yes Yes
9. Adult Health Check-up Yes Yes
10. Robotic and Cyber Knife Surgery Yes Yes
11. Modern and Advanced Treatments Yes Yes
12. HIV/AIDS and STD Cover Yes Yes
13. Mental Care Cover Yes Yes
14. Restoration of Sum Insured Yes Yes
15. Premium Waiver Benefit Yes Yes
16. Global Hospitalization for Major Illness No Yes
17. Global Pre- hospitalization No Yes
18. Global Post- hospitalization No Yes
19. Global Ambulance Cover No Yes
20. Medical Evacuation No Yes
21. Medical Repatriation No Yes
22. Repatriation of Mortal Remains No Yes
23. Global Travel Vaccination No Yes
24. Global Robotic and Cyber Knife Surgery No Yes
25. Global Modern and Advanced  Treatments No Yes
Optional Packages
Health+  Yes Yes
Women+ Yes Yes
Global+  No Yes
Waiting periods
Pre-existing Disease waiting Period  24 Months 24 Months
30 days waiting period  Yes Yes
Specified disease/procedure waiting periods  24 Months 24 Months
Add On Cover (Rider)
Critical Illness Add On Cover Yes Yes
QUICK QUOTE
QUICK QUOTE

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.

Other product with Hospitalisation Cover

Sum Insured upto ₹ 2.5 Lacs - ₹ 1 Crore

A comprehensive hospitalization plan for you and your family

Best suited for

Individual

Individual

Family

Family

Multi Individual

Multi Individual

Key Benefits

PHI Key Benefits
Cashless treatment at 6500+ hospitals

PHI Key Benefits-2 (1)
Guaranteed cumulative bonus up to 200% of SI

PHI Key Benefits-3
Tax saving benefits under Sec 80D, IT Act