Sum Insured : As per the underlying base policy

Best suited for

Individual

Family

Multi Individual

Key Benefits

2x benefit from day 1 for first claim only in every policy year

100% guaranteed annual increase in Sum Insured each year; maximum up to 800%. That is, 8X of Sum Insured in 8 years.

Get an upgraded room category of 'Any room'

UIN: MCIHLIA25005V012425
Launch Date: 08-04-2024

ManipalCigna Prime Plus

A total healthcare insurance rider to further boost your Health coverage by providing 13X Sum Insured.

PED Waiting Period:

As per underlying policy

Sum Insured:

As per underlying policy

Room Rent Modification
Option 1: Any room; ICU Up to Sum Insured (Not available with ManipalCigna ProHealth Insurance)
Option 2: Twin Sharing AC room; ICU Up to Sum Insured

Surplus Benefit
Get additional 100% of SI, available from day 1 for 1st claim only, in each policy year.

Supreme Bonus
Guaranteed Cumulative Bonus of 100% of Base Sum Insured each year subject to a max of 800% of the Base Sum Insured, over and above the base Cumulative Bonus.

Premium Management Cover (Not available with ManipalCigna ProHealth Insurance)
On opting this benefit, below benefits shall not be available in the base product
1. Air Ambulance Cover
2. Bariatric Surgery Cover
3. Daily Cash for Shared Accommodation
4. Health Check Up for Adult Insured
5. Domestic Second Opinion
6. Tele Consultation
7. Premium Waiver Benefit

Women Care (Not available with ManipalCigna ProHealth Prime Advantage Plan)
Get coverage for Mammography, Cervical Cancer screening and PCOS/PCOD diagnostic tests on cashless basis for women aged 18 years and above.

Deductible
Refers to the aggregate amount in a policy year, the insured is required to pay out-of-pocket before the insurance company begins covering the remaining expenses of a claim.
Deductible options -
Rs. 10k, Rs. 25k for ManipalCigna Prohealth Protect and Plus Plans
Rs. 50k, Rs. 1 Lac, Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs for ManipalCigna ProHealth Prime Protect Plan

What’s covered

  • Option to modify room category
  • Additional 100% of Sum Insured even for the 1st claim in a policy year
  • Guaranteed Bonus of 100% of Sum Insured every year, maximum up to 800% of Sum Insured
  • Coverage for Mammography, cervical cancer, PCOD/PCOS diagnostic tests for women aged 18 years and above
  • Option to choose from range of deductible options
  • Option to manage premiums with Premium Management Cover

What’s not covered

  • Breach of law
  • Contamination from nuclear fuel or radiation
  • Hazardous or adventure sports
  • Foreign invasion or civil war
Minimum Entry Age

Child - 91 days, Adult - 18 years (As per the underlying policy)

Maximum Entry Age

No limit (As per the underlying policy)

Policy Period

1, 2 and 3 years (As per the underlying policy)

Relationships Covered

Self, Spouse, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister
(As per the underlying base policy)

Cover Type

Individual/Multi-individual and family floater
(As per the underlying base policy)

Premium Payment Mode

Single, Half yearly, Quarterly, Monthly
(As per the underlying base policy)

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.

Arogya Sanjeevani Policy ManipalCigna

The Arogya Sanjeevani health insurance policy is a standard health insurance plan covering your healthcare expenses from Rs. 50,000 to 10 lakhs. The coverage includes pre and post-hospitalisation costs, ICU services, hospital room rent, and new-age treatments.

The IRDAI launched the Arogya Sanjeevani policy to simplify health insurance by offering a basic, standard plan with similar benefits. All health insurance companies offer the Arogya Sanjeevani health insurance plan.

Arogya Sanjeevani health insurance policy by ManipalCigna provides much needed financial backup in the times of a medical emergency. The Arogya Sanjeevani health insurance plan takes care of most hospitalisation needs arising from illness and injury. The service offered by ManipalCigna during the buying and claim process, our cashless network hospitals, and our policy premium differentiate ManipalCigna from other insurers.

You get a Grace Period of 30 days for a yearly payment mode and a Grace Period of 15 days for rest of the modes of payment. You also get a Free-look Period of 15 days from the date of the policy’s receipt to review the policy and return the policy if not acceptable. You also get an Income Tax deduction under Section 80D of the Income Tax Act on premiums paid after you buy Arogya Sanjeevani policy.

The onset of various health conditions is increasing amongst people in India. Healthcare expenses are also on the rise. Having a basic health insurance policy is the key to smart financial planning. So, you must buy Arogya Sanjeevani policy.

The Arogya Sanjeevani health insurance policy is one cost-effective option that covers you from both Covid and other illnesses in the long-term. It is one of the most affordable health insurance policies in the market. Under the Arogya Sanjeevani health insurance policy, you can choose the sum insured from Rs. 50,000 to 10 Lakhs.

You can follow the following steps to buy Arogya Sanjeevani health insurance policy:

Step 1: Understand the product brochure, policy benefits, exclusions, and premium details and discuss them with our sales advisor before buying Arogya Sanjeevani health insurance policy.

Step 2: Understand the policy’s benefits and then fill up the Proposal Form with prospective Insured Persons’ details. Provide medical information as accurate as possible.

Step 3: Submit the Proposal Form along with required documents along with the premium.

Step 4: Based on the information, your proposal for insurance will be processed. A policy kit containing Policy Terms, Benefit Schedule, and associated documents will be sent to you in a physical or digital form.

You can contact our sales advisor at any of our branches or call our Toll free number 1800-102-4462 for details

Arogya Sanjeevani health insurance policy is a must for first-time health insurance buyers. It is the most affordable health insurance policy in India with almost the same benefits across all insurers. If you are young and just beginning buying health insurance, a basic plan like the Arogya Sanjeevani health insurance policy fits you well. Your health insurance premium with this policy will suffice you well.

The Arogya Sanjeevani policy is also excellent for people looking for Covid protection providing health insurance plans. The policy is a better option for protection against Covid as it costs almost the same as Coronavirus specific health insurance plans and covers the Covid and other diseases and illnesses. Additionally, the health insurance plan comes with lifelong renewability, unlike coronavirus plans.

Also, buy Arogya Sanjeevani health insurance policy if you are looking for a basic and affordable health insurance plan. If you want to protect yourself and your family with health insurance and don’t want to spend much on premiums, opt for Arogya Sanjeevani health insurance policy, the most affordable health insurance plan in India.

Q.1) What is Arogya Sanjeevani Policy?

Arogya Sanjeevani Policy is a standard health insurance product developed by IRDAI and made available by ManipalCigna Health Insurance company to take care of basic health care needs of insuring public. It takes care of your hospitalization needs due to illness, injury.

Q.2) What are the key benefits available in Arogya Sanjeevani Policy?

Following are the key benefits available under Arogya Sanjeevani Policy :

I.  In-patient hospitalization
II.  Pre-hospitalization
III.  Post hospitalization
IV.  AYUSH Cover (in-patient only)
V.  Day care treatment
VI.  Ambulance cover
VII.  Cataract Treatment
VIII.  Cumulative Bonus
IX.  Modern Treatments

Q.3) Is floater option available under Arogya Sanjeevani Policy?

Yes, there is an option of including up to 2 adults and 3 children under floater policy.

Q.4) What is the minimum and maximum entry age in Arogya Sanjeevani Policy?

Minimum entry age for Adult is 18 years and for children it is 3 months (91 days)

Maximum entry age for Adult is 65 years and for children it is 25 years (Children should be financially dependent).

Q.5) Which relationships are covered under Arogya Sanjeevani Policy?

Relationships covered are: self, legally wedded spouse, parents, parents-in-laws, dependent children.

Q.6) Is there any room rent capping under Arogya Sanjeevani Policy?

We will cover hospital accommodation expenses with limit of 2% subject to maximum of Rs. 5,000/- per day for room rent, and charges for stay in Intensive Care Unit with limit of 5% subject to maximum of Rs. 10,000/- per day.

Q.7) Does Arogya Sanjeevani Policy cover maternity expenses?

No, maternity and related expenses are not covered under this policy except ectopic pregnancy.

Q.8) Are Day care treatments covered under Arogya Sanjeevani Policy?

Yes, all Day care treatments are covered under Arogya Sanjeevani Policy.

Q.9) Is there any zonal copay in Arogya Sanjeevani Policy?

No, there will not be any zonal copay in Arogya Sanjeevani Policy.

Q.10) What is the policy term for Arogya Sanjeevani Policy?

Policy term for Arogya Sanjeevani policy will be 1 year.

Q.11) Is cashless claim settlement available under Arogya Sanjeevani Policy?

Yes, Insured can avail the cashless claim facility from over 6500+ ManipalCigna network hospitals.

Q.12) How Co-Payment will impact Arogya Sanjeevani Policy?

A fixed co-pay of 5% shall be applicable across all the ages for every claim under this policy.

Q.13) Can I claim for out-patient expenses under Arogya Sanjeevani Policy?

No, out-patient expenses are not covered under Arogya Sanjeevani Policy.

Q.14) Is there Deductible option available under Arogya Sanjeevani Policy?

Deductible option is not available with Arogya Sanjeevani Policy.

Q.15) How to buy Arogya Sanjeevani Policy?

You can call us at 1-800-10-24462, visit the nearest branch or visit ManipalCigna
website https://www.manipalcigna.com and we will help you with the purchase process

Q.16) What are the optional covers available under Arogya Sanjeevani Policy?

There is no optional cover available under Arogya Sanjeevani Policy.

Q.17) Can I port from other health insurance policy to Arogya Sanjeevani Policy?

Yes, you can port from other health insurance policy to this policy if you have been covered under an Indian retail health insurance policy, from Non-Life Insurance or Health Insurance company registered with IRDAI, without any break in the immediate previous policy and subject to satisfying all the terms and conditions related to portability guidelines.

Q.18) Can I migrate from Arogya Sanjeevani Policy to other ManipalCigna policy?

Yes, you can migrate from Arogya Sanjeevani Policy to other ManipalCigna policy subject to satisfying all the terms and conditions related to migration.

Q.19) What is the Grace Period for Arogya Sanjeevani Policy?

For Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace Period and for all other modes of payment (monthly, quarterly, half yearly) a fixed period of 15 days will be allowed as grace period.