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
Comprehensive Coverage for Life's
Unexpected Health Moments
Overview
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 Comparision
Compare Plans Of | Lifetime Health India BASE PREMIUM ₹20,274*/annum | Lifetime Health Global BASE PREMIUM ₹24,766*/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) | 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. Only ...Read More |
| Area of Cover (For coverages outside India) | No | Option to select any one as Area of Cover (AOC), applicable to Covers 16 to 25: (i) Worldwide exclud ...Read More |
| Hospitalization Expenses | Yes | Yes |
| Day Care Treatment | Yes | Yes |
| Pre – hospitalization | Yes | Yes |
| Post – hospitalization | Yes | Yes |
| Ayush Cover | Yes | Yes |
| Road Ambulance Cover | Yes | Yes |
| Donor Expenses | Yes | Yes |
| Domiciliary Expenses | Yes | Yes |
| Adult Health Check-up | Yes | Yes |
| Robotic and Cyber Knife Surgery | Yes | Yes |
| Modern and Advanced Treatments | Yes | Yes |
| HIV/AIDS and STD Cover | Yes | Yes |
| Mental Care Cover | Yes | Yes |
| Restoration of Sum Insured | Yes | Yes |
| Premium Waiver Benefit | Yes | Yes |
| Global Hospitalization for Major Illness | No | Yes |
| Global Pre- hospitalization | No | Yes |
| Global Post- hospitalization | No | Yes |
| Global Ambulance Cover | No | Yes |
| Medical Evacuation | No | Yes |
| Medical Repatriation | No | Yes |
| Repatriation of Mortal Remains | No | Yes |
| Global Travel Vaccination | No | Yes |
| Global Robotic and Cyber Knife Surgery | No | Yes |
| Global Modern and Advanced Treatments | No | Yes |
| Health+ | Yes | Yes |
| Women+ | Yes | Yes |
| Global+ | No | Yes |
| Pre-existing Disease waiting Period | 24 Months | 24 Months |
| 30 days waiting period | Yes | Yes |
| Specified disease/procedure waiting periods | 24 Months | 24 Months |
| Critical Illness Add On Cover | Yes | Yes |
Benefits
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.
Modern and Advanced Treatments
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.
Domiciliary Expenses
Up to 10% of Sum Insured, for expenses incurred in India.
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.
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.
Donor Expenses
Up to full Sum Insured, for expenses incurred in India.
Policy Details
| 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 | with General Physician |
| Domiciliary Expenses | 10% of Sum Insured |
| 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 Restoration is available in a Policy Year, for unrelated illnesses |
| Premium Waiver Benefit | 1-Year premium waived upon any listed contingency |
Add Ons
Optional Package- Health +
This package is available on Individual basis however selection is allowed at policy level. • Air Am...
Optional Package- Women+
Riders
Eligibility
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and family floater(max 2 adults and 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
CUSTOMER TESTIMONIALS
Here's What Our Customers Are Saying About Us
"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
Your Step-By-Step Guide To The
Claims Process
FAQ
Everything You Need to Know,
All in One Place
