A Comprehensive Health Insurance that covers you in India and Abroad.
Any room category
Unlimited restoration for unrelated illnesses
Customizable global plan
Premium waiver for 1 year upon contingencies
FEATURED INSURANCES
Any room category including suite available under inpatient hospitalization in India for Sum Insured of Rs 3 CrUnlimited restoration for unrelated illnesses to ensure you never run out of coverPremium Waiver for 1 year upon any covered contingencyAll Day Care Treatments, availed in India, covered up to the full Sum InsuredGet guaranteed cumulative bonus of 15% of your India coverage Sum Insured each policy year, irrespective of claims. There is no capping on accumulation.Continuity benefit for the entire sum insured under portability of 10 lacs and abovePlan Comparison
Compare Plans Of | Lifetime Health India ₹14,855*/annum | Lifetime Health Global ₹23,428*/annum |
|---|---|---|
 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) | Not Available | 50 Lacs/ 75 Lacs/ 100 Lacs/ 150 Lacs/ 200 Lacs/ 300 Lacs |
| Major Illness (For coverages outside India) | Not Available | Option to select the Major Illness/es for which coverage is required under Covers 16 to 25. 1. Only ...Read More |
| Area of Cover (For coverages outside India) | Not Available | Option to select any one of the following as Area of Cover (AOC), applicable to Covers 16 to 25: (i ...Read More |
| Hospitalization Expenses | Available | Available |
| Day Care Treatment | Available | Available |
| Pre – hospitalization | Available | Available |
| Post – hospitalization | Available | Available |
| Ayush Cover | Available | Available |
| Road Ambulance Cover | Covered up to Sum Insured | Covered up to Sum Insured |
| Donor Expenses | Available | Available |
| Domiciliary Expenses | Available | Available |
| Adult Health Check-up | Available | Available |
| Robotic and Cyber Knife Surgery | Available | Available |
| Modern and Advanced Treatments | Available | Available |
| HIV/AIDS and STD Cover | Available | Available |
| Mental Care Cover | Available | Available |
| Restoration of Sum Insured | Multiple Restorations of base Sum Insured in a policy year for unrelated illnesses | Multiple Restorations of base Sum Insured in a policy year for unrelated illnesses |
| Premium Waiver Benefit | Waives off one year’ renewal premium upon diagnosis of listed critical illnesses, permanent partial ...Read More | Waives off one year’ renewal premium upon diagnosis of listed critical illnesses, permanent partial ...Read More |
| Global Hospitalization for Major Illness | Not Available | Global coverage for listed major illnesses as per opted Area of Cover. |
| Global Pre- hospitalization | Not Available | Available |
| Global Post- hospitalization | Not Available | Available |
| Global Ambulance Cover | Not Available | Available |
| Medical Evacuation | Not Available | Available |
| Medical Repatriation | Not Available | Available |
| Repatriation of Mortal Remains | Not Available | Available |
| Global Travel Vaccination | Not Available | Available |
| Global Robotic and Cyber Knife Surgery | Not Available | Available |
| Global Modern and Advanced Treatments | Not Available | Available |
| Health+ | Elevate your health protection with Health+, offering comprehensive coverage from Air Ambulance and ...Read More | Elevate your health protection with Health+, offering comprehensive coverage from Air Ambulance and ...Read More |
| Women+ | With Women+, prioritize your well-being with comprehensive coverage for essential screenings includi ...Read More | With Women+, prioritize your well-being with comprehensive coverage for essential screenings includi ...Read More |
| Global+ | Not Available | Designed for international healthcare needs, Global+ offers worldwide assistance with Global Hospi C ...Read More |
| Pre-existing Disease waiting Period | 24 Months | 24 Months |
| 30 days waiting period | Applicable | Applicable |
| Specified disease/procedure waiting periods | 24 Months | 24 Months |
| Critical Illness Add On Cover | Lump sum payment of Sum Insured, upon diagnosis of a Critical Illness available through ManipalCigna ...Read More | Lump sum payment of Sum Insured, upon diagnosis of a Critical Illness available through ManipalCigna ...Read More |
All Day Care Treatments, availed in India, covered up to the full Sum Insured.
Up to full Sum Insured, for treatment availed in India.
Up to full Sum Insured, for treatment availed in India.
Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.
Up to 10% of Sum Insured, for expenses incurred in India.
Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted, for treatments availed in India.
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.
Up to full Sum Insured, for expenses incurred in India.
| KEY FEATURES | INFORMATION |
|---|---|
| Hospitalization Expenses | Up to Sum Insured |
| Day Care Treatment | Up to Sum Insured |
| Pre – hospitalization | (up to Sum Insured) |
| Post – hospitalization | up to Sum Insured |
| Donor expenses | up to Sum Insured |
| AYUSH treatment | up to Sum Insured |
| Road Ambulance Cover | Covered up to Sum Insured |
| Domiciliary Expenses | Covered up to 10% of Sum Insured, pre & post hospitalization covered up to 60 and 180 days each |
| Adult Health Check-up | Adult Health Check-up once in a Policy Year to all Insured Persons who have completed 18 years of Ag ...Read More |
| Robotic and Cyber Knife Surgery | up to Sum Insured |
| Modern and Advanced Treatments | up to Sum Insured |
| HIV/AIDS and STD Cover | up to Sum Insured |
| Mental Care Cover | up to Sum Insured |
| Restoration of Sum Insured | Multiple Restorations of base Sum Insured in a policy year for unrelated illnesses |
| Premium Waiver Benefit | Waives off one year’ renewal premium upon diagnosis of listed critical illnesses, permanent partial ...Read More |
Add Ons
Optional Package- Health +
This comprehensive package provides essential coverage including Air Ambulance, Coverage on Medical ...
Optional Package- Women+
Riders
Child - 91 days, Adult - 18 years
Individual and family floater(max 2 adults and 3 children)
Child – 30 years Adult – 65 years
1, 2 and 3 years(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Self, lawfully wedded spouse (same or opposite gender), children, parents, siblings, parent in laws and more (Please download product brochure for more details)
Single, Annual, Half yearly, Quarterly, Monthly
CUSTOMER TESTIMONIALS
"I am thankful for the support I received from ManipalCigna regarding my claim, it was very helpful."
Kailas Ragho Gaikwad
Thane City
"Thank you for your support during a challenging time. The situation was bad but you support made a significant difference. Much appreciated."
Gulniesa Banu
Bangalore
"Thank you ManipalCigna for resolving my issue and explaining it properly."
Gagan Kumar
"Thank you ManipalCigna for making me understand my policy details. All my questions were answered and it was very helpful."
Mondrety Nirmala
"The conversation didn’t feel like just any customer service interaction. Sushant was incredibly helpful and listened to what I needed. Your service has been fantastic. I am delighted."
Tarush Jain
"I am thankful for the support I received from ManipalCigna regarding my claim, it was very helpful."
Kailas Ragho Gaikwad
Thane City
"Thank you for your support during a challenging time. The situation was bad but you support made a significant difference. Much appreciated."
Gulniesa Banu
Bangalore
"Thank you ManipalCigna for resolving my issue and explaining it properly."
Gagan Kumar
"Thank you ManipalCigna for making me understand my policy details. All my questions were answered and it was very helpful."
Mondrety Nirmala
"The conversation didn’t feel like just any customer service interaction. Sushant was incredibly helpful and listened to what I needed. Your service has been fantastic. I am delighted."
Tarush Jain
CLAIMS PROCESS
FAQ
