A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Sum Insured : ₹ 5 Lacs - ₹ 3 Crore
A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Launch Date: 16-09-2024
Various Plans
ManipalCigna Sarvah Plan has been designed keeping your needs in mind.
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
406*/annum
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
4,804*/annum
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
7,146*/annum
ManipalCigna Sarvah Pratham
Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs
Ped Waiting Period
36 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
406* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Hospitalization coverage up to Rs3 Cr for Heart, Cancer, Stroke and major organ/bone marrow transplant.
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
With Surplus Benefits, get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy
No zonal co-pay worries ensuring faster recovery in the city of your choice Without Worrying about Additional Co-Payment.
Without Worrying About Additional financial burden
Enjoy Discount And Saving Via First Policy Anniversary (5% Discount) And Get A 2.5% Discount On The Renewal Premium When You Renew Your Policy 30 Days Prior To Expiry
What’s covered
- Hospitalization Expenses for Heart, Cancer, Stroke and major organ/bone marrow transplant
- 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
- AYUSH treatment up to Sum Insured
- Unlimited Tele-Consultation with General Physician
- Wellness Program – Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, riders and taxes) through Healthy Life Management Program
- Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- 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
Accident Hospitalization Cover
Coverage for Accidental hospitalization if the insured person suffers an injury due to an accident
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Health Check up
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
Restoration of Sum Insured
Refill your policy with Multiple Restoration is available in a Policy Year for all illnesses, whether unrelated or same
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Gullak (Guaranteed Cumulative Bonus)
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Cover Non-Medical Items and Durable medical equipment's
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-payment
Cost sharing percentage that you have opted will apply on each and every claim
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ManipalCigna Sarvah Uttam
Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs
Ped Waiting Period
36 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
4,804* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Get infinite sum Insured for hospitalization related to Heart, Cancer, Stroke and organ/bone marrow transplant.
Gullak benefits guarantees up to 10X bonus over the base Sum Insured, irrespective of claim (100% increase in the Sum Insured each policy year, up to maximum of 1000%).
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
With Surplus Benefit get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy.
Get up to 7.5% discounts on your 1st policy renewal premium if the Policy is renewed 30 days before the Policy expiry date.
No Zonal Co-Payment, if treatment taken at higher zone.
What’s covered
- 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
- AYUSH treatment up to Sum Insured
- Unlimited Tele-Consultation with General Physician
- Wellness Program – Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, riders and taxes) through Healthy Life Management Program
- Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- 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
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Health Check up
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Restoration of Sum Insured
Refill your policy with Multiple Restoration available In a Policy Year for all illnesses, whether unrelated or same
Gullak (Guaranteed Cumulative Bonus)
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy
Maternity and New born Cover
We make you future-proof with Maternity and New Born coverage up to 20% of the base Sum Insured or up to Rs 5L. Focus on your family growth without worrying about medical expense.
Anant (Unlimited Sum Insured)
Get infinite sum Insured for hospitalization related to Heart, Cancer, Stroke and organ/bone marrow transplant
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Cover Non-Medical Items and Durable medical equipment's
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible Option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-Payment
Cost sharing percentage that you have opted will apply on each and every claim
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ManipalCigna Sarvah Param
Zero Waiting Period, Instant Peace of mind
Ped Waiting Period
0 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
7,146* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Tatkal Benefit ensures you have absolutely zero waiting period.
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
Gullak benefits guarantees up to 10X bonus over the base Sum Insured, irrespective of claim (100% increase in the Sum Insured each policy year, up to maximum of 1000%).
Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
With Surplus Benefit get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy.
No Zonal Co-Payment, if treatment taken at higher zone.
Get up to 2.5% discounts on your 1st policy renewal premium if the Policy renewed 30 in advance and earn 20% rewards of base premium* through completing Healthy Life Management Program
What’s covered
- 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 unrelated or same - Health Check up available from 1st year onwards, to all adult insured persons who have completed 18 years of age
- 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 claim under the policy - Unlimited Tele-Consultation with General Physician
- Wellness Program –
Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, Pratiksha, riders and taxes) through Healthy Life Management Program - Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
- Health Check Up-
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- 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
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Coverage for Non-Medical Items And Durable Medical Equipments
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible Option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-Payment
Cost sharing percentage that you have opted will apply on each and every claim
Pratiksha
Specific Waiting Period: 24 Months
Initial Waiting Period: 30 Days
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ManipalCigna Sarvah Pratham
Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs
Ped Waiting Period
36 Months
Sum Insured
5 Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
Premium PER ANNUM
406* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Benefits
Hospitalization coverage up to Rs3 Cr for Heart, Cancer, Stroke and major organ/bone marrow transplant.
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
With Surplus Benefits, get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy
No zonal co-pay worries ensuring faster recovery in the city of your choice Without Worrying about Additional Co-Payment.
Without Worrying About Additional financial burden
Enjoy Discount And Saving Via First Policy Anniversary (5% Discount) And Get A 2.5% Discount On The Renewal Premium When You Renew Your Policy 30 Days Prior To Expiry
What’s covered
- Hospitalization Expenses for Heart, Cancer, Stroke and major organ/bone marrow transplant
- 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
- AYUSH treatment up to Sum Insured
- Unlimited Tele-Consultation with General Physician
- Wellness Program – Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, riders and taxes) through Healthy Life Management Program
- Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- 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
Add Ons and Options
Accident Hospitalization Cover
Coverage for Accidental hospitalization if the insured person suffers an injury due to an accident
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Health Check up
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
Restoration of Sum Insured
Refill your policy with Multiple Restoration is available in a Policy Year for all illnesses, whether unrelated or same
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Gullak (Guaranteed Cumulative Bonus)
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Cover Non-Medical Items and Durable medical equipment's
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-payment
Cost sharing percentage that you have opted will apply on each and every claim
Eligibility
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
Other plans under ManipalCigna Sarvah
Plan Comparison
| PLAN NAME | ProHealth Prime Protect |
ProHealth Prime Advantage |
ProHealth Prime Active |
|---|---|---|---|
| Sum Insured | 3 Lacs - ₹ 100 Lacs | 5 Lacs- ₹ 100 Lacs | 3 Lacs- ₹ 15 Lacs |
| Room Accommodation | Single Private AC Room ICU: Up to SI |
Single Private AC Room ICU: Up to SI |
SI =₹ 3Lacs: 1% of Base SI SI>=₹ 5Lacs: Single Private AC Room ICU: Up to SI |
| Pre - Hospitalization | 60 days; Up to SI | 60 days; Up to SI | 30 days; Up to SI |
| Post - Hospitalization | 180 days; Up to SI | 180 days; Up to SI | 60 days; Up to SI |
| Day Care Treatment | Up to SI | Up to SI | Up to SI |
| Domiciliary Hospitalization | 10% of SI | 10% of SI | 10% of SI |
| Road Ambulance | Up to SI | Up to SI | Up to SI |
| Donor Expenses | Up to SI | Up to SI | Up to SI |
| Restoration of Sum Insured | Unlimited times for related/unrelated illnesses | Unlimited times for related/unrelated illnesses | Unlimited times for unrelated illnesses |
| AYUSH Treatment | Up to SI | Up to SI | Up to SI |
| Air Ambulance Cover | Up to SI, subject to a maximum of ₹ 10Lacs | Up to SI, subject to a maximum of ₹ 10Lacs | Not Applicable |
| Bariatric Surgery Cover | Up to SI, subject to a maximum of ₹ 5Lacs Waiting Period: 36 months |
Up to SI, subject to a maximum of ₹ 5Lacs Waiting Period: 36 months |
Not Applicable |
| Outpatient Expenses | Not Applicable | Covered up to maximum of ₹ 20,000/30,000/50,000 per policy year, through cashless basis - Consultations, Prescribed diagnostics & pharmacy. A limit of up to 20% of the OPD limit shall apply on Pharmacy expenses. - |
Not Applicable |
| Convalescence Benefit | Not Applicable | Not Applicable | For SI>=₹ 5 lacs: ₹ 30,000 for hospitalization >=10 days, to be paid as lump sum |
| Daily Cash for Shared Accommodation | Per Hospitalization: For SI up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600 For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000 Cover triggers post 48 hours of hospitalization and payable from 1st day |
Per Hospitalization: For SI up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600 For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000 Cover triggers post 48 hours of hospitalization and payable from 1st day |
Per Hospitalization: For SI from ₹ 5 Lacs to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600 For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000 Cover triggers post 48 hours of hospitalization and payable from 1st day |
| Health Check Up | Annually from 1st year onwards, for all adults insured. Limits / Test basis opted SI, offered through Network only. | Annually from 1st year onwards, for all adults insured. Limits / Test basis opted SI, offered through Network only. | Available only if Wellness Program is removed from the base plan. Applicable once every 3rd policy year. Available as optional cover. |
| Domestic Second Opinion | Available for 36 listed Critical Illnesses | Available for 36 listed Critical Illnesses | Available for 36 listed Critical Illnesses |
| Tele- Consultation | Unlimited | Unlimited | Unlimited |
| Cumulative Bonus | Guaranteed Cumulative Bonus of 25% of Base SI each year subject to a max of 200% of the Base SI, irrespective of claims | Guaranteed Cumulative Bonus of 25% of Base SI each year subject to a max of 200% of the Base SI, irrespective of claims | Cumulative Bonus of 10% per year subject to a maximum upto 100% of Sum Insured. |
| Switch Off Benefit | Switch off the cover after 1 year for a maximum period of 30 days and get discount in premium during subsequent renewal. | Switch off the cover after 1 year for a maximum period of 30 days and get discount in premium during subsequent renewal. | Not Applicable |
| Wellness 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 | Earn rewards up to 15% of base premium through completing Condition Management Program |
| Premium Waiver benefit | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies |
| OPTIONAL PACKAGES | |||
| Enhance Plus | 1. Room Accommodation - upgrade to "Any Room" 2. Health Maintenance Benefit of up to ₹ 3000 per Policy Year 3. Maternity & New Born (Including 1st year vaccination expenses) - 10% of SI per delivery subject to a maximum of ₹ 1Lac |
Not Applicable | Not Applicable |
| Enhance | Not Applicable | 1. Room Accommodation - upgrade to "Any Room" 2. Maternity & New Born (Including 1st year vaccination expenses) - 10% of SI per delivery subject to a maximum of ₹ 1Lac |
Not Applicable |
| Freedom (Only for Indian Residents) | 1. Room Accommodation - upgrade to "Any Room" 2. Worldwide Emergency Hospitalization with Outpatient Cover (including Accidental Hospitalization) Up to SI; Over and above the Base SI |
1. Room Accommodation - upgrade to "Any Room" 2. Worldwide Emergency Hospitalization with Outpatient Cover (including Accidental Hospitalization) Up to SI; Over and above the Base SI |
Not Applicable |
| Assure (Applicable for ₹ 3Lacs/₹ 4Lacs & ₹ 5Lacs Sum Insured) | 1. Room rent - Up to 1% of Sum Insured per day; ICU - Up to 2% of Sum Insured per day 2. Modern and Advanced Treatments - Covered up to 10% of Sum Insured 3. Disease specific sub-limits applicable |
Not Applicable | Not Applicable |
| OPTIONAL COVERS | |||
| Non Medical Items (Non Payables) |
Up to SI as a part of Base SI offering | Up to SI as a part of Base SI offering | Up to SI as a part of Base SI offering |
| Deductible | ₹ 10K or ₹ 25K | Not Applicable | Not Applicable |
| Infertility Treatment (Option available with Enhance / Enhance Plus - Optional Packages, Applicable if base SI>= ₹ 7.5lacs) |
Infertility treatment limited to IUI and/or IVF - Coverage up to ₹ 2.5Lacs, over and above the Maternity limit - Waiting period of 36 months |
Infertility treatment limited to IUI and/or IVF - Coverage up to ₹ 2.5Lacs, over and above the Maternity limit - Waiting period of 36 months |
|
| Personal Accident Cover (Fixed Benefit) | 2 times of SI subject to a maximum of ₹ 50Lacs | 2 times of SI subject to a maximum of ₹ 50Lacs | Not Applicable |
| Cumulative Bonus Booster (For SI ₹ 5Lacs and above) |
50% of SI per policy year, subject to a maximum of 200% of SI | 50% of SI per policy year, subject to a maximum of 200% of SI | Not Applicable |
| Worldwide Accidental Emergency Hospitalization Cover | Not Applicable | Not Applicable | Up to SI; Over and above the Base SI |
| ManipalCigna Critical Illness Add On Cover (Critical Illness Benefit Rider) |
Any available SI options under Critical Illness Benefit Rider subject to the maximum of the Base SI | Any available SI options under Critical Illness Benefit Rider subject to the maximum of the Base SI | Not Applicable |
| ELIGIBILITY | |||
| PED Waiting Period | Up to SI ₹ 5Lacs - 36 months For SI >= ₹ 7.5Lacs - 24 months |
Up to SI ₹ 5Lacs - 36 months For SI >= ₹ 7.5Lacs - 24 months |
90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia, Obesity related conditions For all other conditions - 24 months |
| Policy type | Individual / Multi Individual /Family Floater | Individual / Multi Individual /Family Floater | Individual / Multi Individual |
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 ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for
Individual
Family
Multi Individual
Key Benefits
