A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Unlimited Coverage with Anant Benefit
10x guaranteed bonus
Absolutely Zero Waiting Period
Additional 100% of Sum Insured
FEATURED INSURANCES
Tatkal ensures instant peace with absolutely zero waiting period.Gullak benefit gets you guaranteed bonus up to 10x over base sum insuredUnlimited Restoration of Sum Insured for related/unrelated illnesses in addition to base SI.Surplus Benefit ensures an additional 100% of Sum Insured for first claim from day 1No Zonal Co-Pay worries ensuring faster recovery in the city of your choiceProtect your family with Personal Accident Cover up to Rs 3 CrPlan Comparison
Compare Plans Of | ManipalCigna Sarvah Pratham 5% Discount on Website Purchase BASE PREMIUM ₹367*/annum | ManipalCigna Sarvah Uttam 5% Discount on Website Purchase BASE PREMIUM ₹4,103*/annum | ManipalCigna Sarvah Param 5% Discount on Website Purchase BASE PREMIUM ₹6,498*/annum |
|---|---|---|---|
 Sum Insured | 5 Lacs/ 7.5 Lacs/ 10 Lacs/ 15 Lacs/ 20 Lacs/ 25 Lacs/ 50 Lacs/ 100 Lacs/ 200 Lacs/ 300 Lacs | 5 Lacs/ 7.5 Lacs/ 10 Lacs/ 15 Lacs/ 20 Lacs/ 25 Lacs/ 50 Lacs/ 100 Lacs/ 200 Lacs/ 300 Lacs | 5 Lacs/ 7.5 Lacs/ 10 Lacs/ 15 Lacs/ 20 Lacs/ 25 Lacs/ 50 Lacs/ 100 Lacs/ 200 Lacs/ 300 Lacs |
| Room Accommodation | Single Private A/C Room ICU - Covered up to Sum Insured | Single Private A/C Room ICU - Covered up to Sum Insured | Single Private A/C Room ICU - Covered up to Sum Insured |
| Day Care Treatment | All Day Care Procedure related to the specified disease/illness, covered up to Sum Insured | All Day Care Procedure covered up to Sum Insured. | All Day Care Procedure covered up to Sum Insured. |
| Pre Hospitalization Medical Expenses | Up to 90 Days, Covered up to Sum Insured | Up to 90 Days, Covered up to Sum Insured | Up to 90 Days, Covered up to Sum Insured |
| Post Hospitalization Medical Expenses | Up to 180 Days, Covered up to Sum Insured | Up to 180 Days, Covered up to Sum Insured | Up to 180 Days, Covered up to Sum Insured |
| Domiciliary Hospitalization | Covered up Sum Insured. | Covered up Sum Insured. | Covered up Sum Insured. |
| Donor Expenses | Covers up to Sum Insured It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hospit ...Read More | Covers up to Sum Insured It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hospit ...Read More | Covers up to Sum Insured It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hospit ...Read More |
| AYUSH Treatment (In patient Hospitalization & Day Care Treatment) | Covered up Sum Insured. | Covered up Sum Insured. | Covered up Sum Insured. |
| Restoration of Sum Insured | Triggered unlimited times after 1st claim for related/unrelated illness (optional cover) | Triggered unlimited times after 1st claim for related/unrelated illness (optional cover) | Triggered unlimited times after 1st claim for related/unrelated illness |
| Gullak (Guaranteed Cumulative Bonus) | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Polic ...Read More | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Polic ...Read More | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Polic ...Read More |
| Tele-Consultation | Unlimited Tele-consultation with General Physician during the Policy Year. | Unlimited Tele-consultation with General Physician during the Policy Year. | Unlimited Tele-consultation with General Physician during the Policy Year. |
| Wellness Benefit | Earn rewards up to 20% of base premium through completing Healthy Life Management Program | Earn rewards up to 20% of base premium through completing Healthy Life Management Program | Earn rewards up to 20% of base premium through completing Healthy Life Management Program |
| Discount from Network Provider | Discount on Pharmacy, Diagnostics and Health Supplements, offered by the Network Providers of Manipa ...Read More | Discount on Pharmacy, Diagnostics and Health Supplements, offered by the Network Providers of Manipa ...Read More | Discount on Pharmacy, Diagnostics and Health Supplements, offered by the Network Providers of Manipa ...Read More |
| Health Check-up | Annually from 1st year onwards, for all adults insured, offered through Network only. (Optional Cove ...Read More | Annually from 1st year onwards, for all adults insured, offered through Network only. (Optional Cove ...Read More | Annually from 1st year onwards, for all adults insured, offered through Network only.(Optional Cover ...Read More |
| Accident Hospitalization Cover | Covered up to Sum Insured. Available as an optional cover | Not available | Not Available |
| Personal Accident Cover (₹) | Coverage For Accidental Death (AD), Permanent Total Disablement (PTD) And Permanent Partial Disablem ...Read More | Coverage For Accidental Death (AD) , Permanent Total Disablement (PTD) And Permanent Partial Disable ...Read More | Coverage For Accidental Death (AD) , Permanent Total Disablement (PTD) And Permanent Partial Disable ...Read More |
| Temporary Total Disablement (TTD) (₹) | Fixed Weekly benefit - 5K, 10K, 15K, 20K,25K, 50K,1L per week. (Optional Cover) | Fixed Weekly benefit - 5K, 10K, 15K, 20K,25K, 50K,1L per week.(Optional Cover) | Fixed Weekly benefit - 5K, 10K, 15K, 20K,25K, 50K,1L per week.(Optional Cover) |
| Air Ambulance (₹) | Covered up to Sum Insured, Max up to 10L, over and above Sum Insured(Optional Cover) | Covered up to Sum Insured, Max up to 10L, over and above Sum Insured | Covered up to Sum Insured, Max up to 10L, over and above Sum Insured(Optional Cover) |
| Maternity & New Born Hospitalization Expenses (₹) | Not Available | a. Maternity Cover: Covered up to 20% of Base Sum Insured Opted subject to a maximum 5Lac over and a ...Read More | Not Available |
| Sarathi | Any hospitalization related to Cancer, Heart, Stroke, & Major Organ/ Bone Marrow Transplant will be ...Read More | Any hospitalization will be covered after the first 30 days, if arising due to listed Pre-existing d ...Read More | Not Available |
| Room Rent Modification | Option 1: Any room; ICU Up to Sum Insured or Option 2: Twin Sharing AC room; ICU Up to Sum Insured(O ...Read More | Option 1: Any room; ICU Up to Sum Insured or Option 2: Twin Sharing AC room; ICU Up to Sum Insured(O ...Read More | Option 1: Any room; ICU Up to Sum Insured or Option 2: Twin Sharing AC room; ICU Up to Sum Insured(O ...Read More |
| Surplus | Get an additional 100% of the Sum Insured available from day 1 for 1st claim only, in each policy ye ...Read More | Get an additional 100% of the Sum Insured available from day 1 for 1st claim only, in each policy ye ...Read More | Get an additional 100% of the Sum Insured available from day 1 for 1st claim only, in each policy ye ...Read More |
| Anant (Unlimited Sum Insured) | Not Available | No Limit for any hospitalization related to Cancer, Heart condition, Stroke or Major Organ/ Bone Mar ...Read More | Not Available |
| Deductible Option (₹) | Option 1 – Aggregate Deductible 10K, 25K, 50K, 1L, 2L, 3L, 4L, 5L, 10L. Or Option 2 – Deductible of ...Read More | Option 1 – Aggregate Deductible 10K, 25K, 50K, 1L, 2L, 3L, 4L, 5L, 10L. Or Option 2 – Deductible of ...Read More | Option 1 – Aggregate Deductible 10K, 25K, 50K, 1L, 2L, 3L, 4L, 5L, 10L. Or Option 2 – Deductible of ...Read More |
| Voluntary Co-payment | 10%, 20%, 30% (The cost sharing percentage that you have opted will apply on each and every claim.)( ...Read More | 10%, 20%, 30% (The cost sharing percentage that you have opted will apply on each and every claim.)( ...Read More | 10%, 20%, 30% (The cost sharing percentage that you have opted will apply on each and every claim.)( ...Read More |
| Coverage for Non-Medical Items and Durable Medical Equipment | a. Non-Medical items: Covered up to Sum Insured b. Durable Medical Equipment: Covered up to Rs.1 Lac ...Read More | a. Non-Medical items: Covered up to Sum Insured b. Durable Medical Equipment: Covered up to Rs.1 Lac ...Read More | a. Non-Medical items: Covered up to Sum Insured b. Durable Medical Equipment: Covered up to Rs.1 Lac ...Read More |
| Pratiksha | Not Applicable | Not Applicable | Specific Waiting Period: 24 Months Initial Waiting Period: 30 Days(Optional Cover) |
Absolutely zero waiting period
10x Bonus Guaranteed irrespective of claims
Refill your policy even for related illnesses
Cover up to Rs 3 cr for personal accidents
Ensuring faster recovery in a city of your choice
Additional 100% of Sum Insured from day 1 for the first claim
Get 2.5% discount on early renewals and upto 20% just by walking
Unlimited tele-consultation within the policy year
| KEY FEATURES | INFORMATION |
|---|---|
| Hospitalization Expenses | for any illness or disease or injury |
| Pre & Post Hospitalization | Medical Expenses of 90 And 180 days respectively |
| Domiciliary Hospitalization | up to Sum Insured |
| Road Ambulance | up to Sum Insured |
| Donor expenses | up to Sum Insured |
| Restoration Of Sum Insured | Refill your policy with Multiple Restoration available In a Policy Year for all illnesses, whether u ...Read More |
| AYUSH treatment | up to Sum Insured |
| Gullak (Guaranteed Cumulative Bonus) | 100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a c ...Read More |
| Health Check up | available from 1st year onwards, to all adult insured persons who have completed 18 years of age |
| Unlimited Tele-Consultation | with General Physician |
| Wellness Program | Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, ...Read More |
| Discount | On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI |
Add Ons
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PP...
Temporary Total Disablement
Room Rent Modification
Air Ambulance
Surplus Benefit
Coverage for Non-Medical Items And Durable Medical Equipments
Deductible Option
Voluntary Co-Payment
Child - 91 days, Adult - 18 years
Individual/Multi-individual and family floater
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
1, 2 and 3 years
Self, Spouse, Live-in partner, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister, Sister in-law, Brother in-law
Single, 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
