Manipal Cigna Logo
manipalcigna-sarvah Logo

A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.

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    Unlimited Coverage with Anant Benefit

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    10x guaranteed bonus

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    Absolutely Zero Waiting Period

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    Additional 100% of Sum Insured 

5% Discount on Website Purchase
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FEATURED INSURANCES

Comprehensive Coverage for Life's

Unexpected Health Moments

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SUM INSURED
₹5Lacs-₹3Crore
BASE PREMIUM
₹433*/annum
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    Hospitalization coverage up to 3 Cr for Heart, Cancer, Stroke and major organ/bone marrow transplant.
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    Unlimited Restoration is available within the policy year, whether for unrelated or same condition in addition to the base sum insured.
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    With Sarathi, get your waiting period reduced to 30 days in Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
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SUM INSURED
₹5Lacs-₹3Crore
BASE PREMIUM
₹4,842*/annum
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    Get Infinite Coverage for hospitalization related to Heart, Cancer, Stroke and major organ/bone marrow transplant.
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    With Sarathi, get your waiting period reduced to 30 days in Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
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    Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
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SUM INSURED
₹5Lacs-₹3Crore
BASE PREMIUM
₹7,668*/annum
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    Tatkal Benefit ensures you have absolutely zero waiting period.
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    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%).
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    With Surplus benefits get an additional 100% of your sum insured from day 1 for first claim in each policy year
OverviewPlanBenefitsPolicy DetailsAddonsEligibility

Overview

overview
  • tickHospitalization coverage up to Rs 3 Cr for conditions like Heart, Cancer, Stroke, Major Organ/Bone Marrow Transplant.
  • tickSarathi that reduces your waiting period to 30 days for listed PED.
  • tickGullak benefit gets you guaranteed bonus up to 10x over base sum insured
  • tickUnlimited Restoration of Sum Insured for related/unrelated illnesses in addition to base SI.
  • tickSurplus Benefit ensures an additional 100% of Sum Insured for first claim from day 1
  • tickNo Zonal Co-Pay worries ensuring faster recovery in the city of your choice

Plan Comparision

Compare Plans Of
overview
ManipalCigna Sarvah
Pratham
5% Discount on Website Purchase
BASE PREMIUM
₹433*/annum
ManipalCigna Sarvah
Uttam
5% Discount on Website Purchase
BASE PREMIUM
₹4,842*/annum
ManipalCigna Sarvah
Param
5% Discount on Website Purchase
BASE PREMIUM
₹7,668*/annum
dot iconSum 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
dot iconRoom 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
dot iconDay 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.
dot iconPre 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
dot iconPost 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
dot iconDomiciliary Hospitalization
Covered up Sum Insured.
Covered up Sum Insured.
Covered up Sum Insured.
dot iconDonor 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
dot iconAYUSH Treatment (In patient Hospitalization & Day Care Treatment)
Covered up Sum Insured.
Covered up Sum Insured.
Covered up Sum Insured.
dot iconRestoration 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
dot iconGullak (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
dot iconTele-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.
dot iconWellness 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
dot iconDiscount 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
dot iconHealth 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
dot iconAccident Hospitalization Cover
Covered up to Sum Insured. Available as an optional cover
Not available
Not Available
dot iconPersonal 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
dot iconTemporary 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)
dot iconAir 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)
dot iconMaternity & 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
dot iconSarathi
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
dot iconRoom 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
dot iconSurplus
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
dot iconAnant (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
dot iconDeductible 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
dot iconVoluntary 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
dot iconCoverage 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
dot iconPratiksha
Not Applicable
Not Applicable
Specific Waiting Period: 24 Months Initial Waiting Period: 30 Days(Optional Cover)

Benefits


Policy Details

KEY FEATURESINFORMATION
dot iconHospitalization Expenses
(for Heart, Cancer, Stroke and major organ/bone marrow transplant)
dot iconPre & Post Hospitalization
(Medical Expenses of 90 And 180 days respectively)
dot iconDomiciliary Hospitalization
(up to Sum Insured)
dot iconRoad Ambulance
up to Sum Insured
dot iconDonor expenses
up to Sum Insured
dot iconAYUSH treatment
up to Sum Insured
dot iconUnlimited Tele-Consultation
with General Physician
dot iconWellness Program
Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, ...Read More
dot iconDiscount
On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI

Add Ons

Accident Hospitalization Cover

Accident Hospitalization Cover

Coverage for Accidental hospitalization if the insured person suffers an injury due to an accident

Personal Accident Cover

Personal Accident Cover

Temporary Total Disablement

Temporary Total Disablement

Health Check up

Health Check up

Restoration of Sum Insured

Restoration of Sum Insured

Air Ambulance

Air Ambulance

Gullak (Guaranteed Cumulative Bonus)

Gullak (Guaranteed Cumulative Bonus)

Sarathi

Sarathi

Room Rent Modification

Room Rent Modification

Surplus Benefit

Surplus Benefit

Cover Non-Medical Items and Durable medical equipment's

Cover Non-Medical Items and Durable medical equipment's

Deductible option

Deductible option

Voluntary Co-payment

Voluntary Co-payment


Eligibility

Min Entry Age

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Cover Type

Individual/Multi-individual and family floater

Max Entry Age

Max Entry Age

No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)

Policy Period

Policy Period

1, 2 and 3 years

Relationships covered

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

Premium Payment Mode

Single, Half yearly, Quarterly, Monthly

CUSTOMER TESTIMONIALS

Here's what our customers are saying about us

CLAIMS PROCESS

Your Step-By-Step Guide To The

Claims Process

Find the Network Hospital
Step 1
Find the Network Hospital
Use Hospital Locator and find our network hospital and choose as per your convenience.
Intimate ManipalCigna
Step 2
Intimate ManipalCigna
Complete Pre-auth Form
Step 3
Complete Pre-auth Form
Get Hospitalized
Step 4
Get Hospitalized
Get Discharged
Step 5
Get Discharged

FAQ

Everything You Need to Know,

All in One Place

*Disclaimers:The Premium value is indicative for the below mentioned profile Age – 26, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
**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
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