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
Comprehensive Coverage for Life's
Unexpected Health Moments
Overview
Hospitalization coverage up to Rs 3 Cr for conditions like Heart, Cancer, Stroke, Major Organ/Bone Marrow Transplant.Sarathi that reduces your waiting period to 30 days for listed PED.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 choicePlan Comparision
Compare Plans Of | 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 |
|---|---|---|---|
 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) |
Benefits
Major Illnesses covered
Hospitalization coverage up to Rs 3 Cr for major illnesses
Sarathi Benefit
Reduce your waiting period to 30 days for listed PED
Gullak Benefit
10x Bonus Guaranteed irrespective of claims
Restoration Available
Refill your policy even for related illnesses
Surplus Benefit
Additional 100% of Sum Insured from day 1 for the first claim
Personal Accident Cover
Cover up to Rs 3 cr for personal accidents
No Zonal Co-Pay
Ensuring faster recovery in a city of your choice
Discounts
Get 2.5% discount on early renewals and upto 20% just by walking
Policy Details
| KEY FEATURES | INFORMATION |
|---|---|
| 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, ...Read More |
| Discount | On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI |
Add Ons
Accident Hospitalization Cover
Coverage for Accidental hospitalization if the insured person suffers an injury due to an accident
Personal Accident Cover
Temporary Total Disablement
Health Check up
Restoration of Sum Insured
Air Ambulance
Gullak (Guaranteed Cumulative Bonus)
Sarathi
Room Rent Modification
Surplus Benefit
Cover Non-Medical Items and Durable medical equipment's
Deductible option
Voluntary Co-payment
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
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
