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Sarvah, It's Just Better
Gullak(Guaranteed Cumulative Bonus)
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
Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
Maternity and New-born hospitalization expenses
Maternity and New-born hospitalization expenses covered up to 20% of Base Sum Insured, maximum ₹5Lac over and above the Sum Insured.
Sarathi
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Surplus Benefit
With Surplus Benefit get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy
Cover Non-Medical Items and Durable medical equipment's
Non-Medical Items And Durable Medical Equipment’s covered, Which Is Otherwise An Out Of Pocket Expense during Hospitalization.
Plan Comparison
| PLAN NAME | ManipalCigna Sarvah Pratham |
ManipalCigna Sarvah Uttam |
ManipalCigna Sarvah Param |
|---|---|---|---|
| Sum Insured () | 5Lacs / 7.5Lacs / 10Lacs / 15Lacs / 20Lacs / 25Lacs / 50Lacs / 100Lacs / 200Lacs / 300Lacs | ||
| Base Covers | |||
| Room Accommodation | Single Private A/C Room ICU - Covered up to Sum Insured | ||
| Day Care Treatment | All Day Care Procedure related to the listed condition, 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 | ||
| Post Hospitalization Medical Expenses | Up to 180 Days, Covered up to Sum Insured | ||
| Domiciliary Hospitalization | Covered up Sum Insured. | ||
| Road Ambulance | Covered up Sum Insured. | ||
| Donor Expenses | Covered up Sum Insured, Complications arising during hospitalization or up to 30 days from date of discharge - Up to 25% of SI subject to maximum of Rs. 2 Lacs, over and above Sum Insured |
||
| AYUSH Treatment | Covered up Sum Insured. | ||
| Restoration of Sum Insured | Available as Optional Cover | Unlimited times for related/unrelated illnesses. | |
| Gullak (Guaranteed Cumulative Bonus) | Available as Optional Cover | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Policy. | |
| Value Added Covers | |||
| Tele-Consultation | 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* | ||
| Discount from Network Provider | Discount on Pharmacy, Diagnostics and Health Supplements, offered by the Network Providers of ManipalCigna Health Insurance Company Limited | ||
| Health Check-up | Available as Optional Cover | Annually from 1st year onwards, for all adults insured, offered through Network only. | |
| Optional Covers | |||
| Accident Hospitalization Cover | Covered up to Sum Insured | Not Applicable (Available as part of Base Cover) | |
| Personal Accident Cover () | Coverage For Accidental Death (AD) , Permanent Total Disablement (PTD) And Permanent Partial Disablement (PPD) as per the Sum Insured Opted. Sum Insured - 10L, 15L, 20L, 25L, 30L, 40L, 50L, 1Cr, 2Cr, 3Cr Coverage of 200% of opted SI (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier. | ||
| Temporary Total Disablement (TTD) () |
Fixed Weekly benefit - 5K, 10K, 15K, 20K,25K, 50K,1L per week. | ||
| Health Check-up | Annually from 1st year onwards, for all adults insured, offered through Network only. | Available as Base Cover | |
| Air Ambulance () | Covered up to Sum Insured, Max up to 10L, over and above Sum Insured | ||
| Restoration of Sum Insured | Unlimited times for related/unrelated illnesses | Available in Base Cover | |
| Gullak Guaranteed Cumulative Bonus | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Policy. | Available in Base 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 above the Sum Insured. b. New Born Baby: Coverage for the In-patient hospitalization expenses of a new born up to the limit provided under Maternity Expenses c. First Year Vaccination: Covered as per national immunization program, up to the limit provided under Maternity Expenses |
Not Available |
| Sarathi | Any hospitalization related to Cancer, Heart, Stroke, & Major Organ/ Bone Marrow Transplant will be covered after the first 30 days, if arising due to listed Pre-existing disease declared and accepted. i. Asthma ii. Diabetes iii. Dyslipidemia iv. Obesity v. Hypertension |
Any hospitalization will be covered after the first 30 days, if arising due to listed Pre-existing disease declared and accepted. i. Asthma ii. Diabetes iii. Dyslipidemia iv. Obesity v. Hypertension |
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 |
||
| Surplus | Get an additional 100% of the Sum Insured available from day 1 for 1st claim only, in each policy year. | ||
| Anant (Unlimited Sum Insured) | Not Available | No Limit for any hospitalization related to Cancer, Heart condition, Stroke or Major Organ/ Bone Marrow Transplant | Not Available |
| Deductible Option () | Option 1 – Aggregate Deductible 10K, 25K, 50K, 1L, 2L, 3L, 4L, 5L, 10L. Or Option 2 – Deductible of 1K, 2K, 3K, 4K, 5K per day of hospitalization on all admissible claims. |
||
| Voluntary Co-payment | 10%, 20%, 30% (The cost sharing percentage that you have opted will apply on each and every claim.) |
||
| 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. |
||
| Pratiksha | Not Applicable | Specific Waiting Period: 24 Months Initial Waiting Period: 30 Days |
|
Customer reviews
Nice to know that ManipalCigna is conscious about my health. I am totally satisfied with your benefited messages and hope in future also give guidance. Also doing good...
Mr. Debashish M
New Delhi, India
Discounts made better
Renewal Discount
Get a 2.5% discount on the Renewal premium if the Policy is renewed 30 days before the Policy expiry date or enjoy 2.5% discount on the renewal premium, if the premium is received through standing instruction.
Long Term Policy Discount
Long term discount of 7.5% for selecting a 2 year Policy and 10% for selecting a 3 year Policy. This discount is available only with ‘Single’ Premium Payment mode.
Family Discount
10% discount on the premium is applicable for covering 2 members under the same individual Policy on Multi-Individual basis
Website Discount
Enjoy an exclusive additional 5% when you purchase policy from our website.
Claiming Process done easy
1800-419-1159 (toll-free number) Cigna@mediassistindia.com
Start your simple settlement process here.
Reimburse your medical bills in three easy steps.
Get cashless settlement easily whether for planned or unplanned hospitalization.
Assured claims granted in 90 minutes. Check claim status easily.
