A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Opt for unlimited coverage with Anant Benefit
15X Guaranteed Bonus
Absolutely Zero Waiting Period
Unlimited Restorations of base Sum Insured
FEATURED INSURANCES
Hospitalization coverage up to Rs 3 Cr for conditions like Heart, Cancer, Stroke, Major Organ/Bone Marrow Transplant.Sarathi 2.0 reduces your Waiting Period to 30 days for listed PED.Gullak: 100% bonus every year guaranteed, max upto 1500%Unlimited Restoration of base Sum Insured for any illness & injury in a policy year.Surplus Benefit ensures an additional 100% of Base Sum Insured for first claim from day 1No Zonal Co-Pay worries ensuring faster recovery in the city of your choicePlan Comparison
Compare Plans Of | ManipalCigna Sarvah Pratham 5% Discount on Website Purchase ₹367*/annum | ManipalCigna Sarvah Uttam 5% Discount on Website Purchase ₹4,103*/annum | ManipalCigna Sarvah Param 5% Discount on Website Purchase ₹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 to Sum Insured. | Covered up to Sum Insured. | Covered up to Sum Insured. |
| Road Ambulance | Covered up to Sum Insured. | Covered up to Sum Insured. | Covered up to Sum Insured. |
| Donor Expenses | Covered up to Sum Insured. It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hosp ...Read More | Covered up to Sum Insured. It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hosp ...Read More | Covered up to Sum Insured. It covers: a. The organ donors Pre-Hospitalization Expenses and Post-Hosp ...Read More |
| AYUSH Treatment (In patient Hospitalization & Day Care Treatment) | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured |
| Restoration | Unlimited restoration of base Sum Insured after 1st claim for any illness and injury in a policy yea ...Read More | Unlimited restoration of base Sum Insured after 1st claim for any illness and injury in a policy yea ...Read More | Unlimited restoration of base Sum Insured after 1st claim for any illness and injury in a policy yea ...Read More |
| Gullak (Guaranteed Cumulative Bonus) | 100% guaranteed increase in Base Sum Insured, maximum up to 1500% irrespective of a claim under the ...Read More | 100% guaranteed increase in Base Sum Insured, maximum up to 1500% irrespective of a claim under the ...Read More | 100% guaranteed increase in Base Sum Insured, maximum up to 1500% irrespective of a claim under the ...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 | Available as a part of Base Cover. | Available as a part of Base Cover. |
| 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 Disablem ...Read More | Coverage For Accidental Death (AD), Permanent Total Disablement (PTD) And Permanent Partial Disablem ...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 Base Sum Insured(Optional Cover) | Covered up to Sum Insured, Max up to 10L, over and above Base Sum Insured(Optional Cover) | Covered up to Sum Insured, Max up to 10L, over and above Base 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 | a. Maternity Cover: Covered up to 20% of Base Sum Insured Opted subject to a maximum 5Lac over and a ...Read More |
| Sarathi 2.0 | Any hospitalization related to Cancer, Heart, Stroke, & Major Organ/ Bone Marrow Transplant will be ...Read More | Any hospitalization related to Cancer, Heart, Stroke, & Major Organ/ Bone Marrow Transplant will be ...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 Base Sum Insured available from day 1 for 1st claim only, in each poli ...Read More | Get an additional 100% of the Base Sum Insured available from day 1 for 1st claim only, in each poli ...Read More | Get an additional 100% of the Base Sum Insured available from day 1 for 1st claim only, in each poli ...Read More |
| Anant (Unlimited Sum Insured) | Not Available | No Limit for any hospitalization related to Cancer, Heart, Stroke, Major Organ/ Bone Marrow Transpla ...Read More | No Limit for any hospitalization related to Cancer, Heart, Stroke, Major Organ/ Bone Marrow Transpla ...Read More |
| 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 Disease Waiting Period : 24 months ; Initial Waiting Period: 30 days (optional cover) |
| Extension of Specific Disease Waiting Period | Not Applicable | Additional discount by choosing Specific disease waiting period of 36 months. | Not Applicable |
Hospitalization coverage up to Rs 3 Cr for major illnesses
Reduce your waiting period to 30 days for listed PED
15x Bonus Guaranteed irrespective of claims
Restore your Sum Insured for any illness and injury
Additional 100% of Base Sum Insured from day 1 for the first claim
Cover up to Rs 3 cr for personal accidents
Ensuring faster recovery in a city of your choice
2.5% for renewing early, up to 7.5% No Claim Discount for staying claim free
| 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
Air Ambulance
Gullak (Guaranteed Cumulative Bonus)
Sarathi 2.0
Room Rent Modification
Surplus Benefit
Coverage for Non-Medical Items & 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
