Underwriting Approach For Following Condition

IRDAI vide its Circular Ref. IRDAI/HLT/MISC/CIR/129/06/2020 dated June 2, 2020 mandated disclosures of the Underwriting philosophy and approach for offering insurance coverage to Persons with Disability (PWD) and people affected with HIV / AIDS and Mental illness diseases. The Underwriting philosophy and the approach followed by us at ManipalCigna Health Insurance Company Limited is reproduced herein. 

Approach to PWD (Persons with disabilities):
Underwriting approach to persons with disabilities will be to accept them basis evaluation depending on the cause of the disability and the current requirement of health care. We may accept them with an additional premium and/or exclusion or reject basis the assessment.
Persons Affected with HIV/AIDS:
For persons affected with HIV/AIDS underwriting acceptance will be subjected to evaluation of history and medical test outcomes, and may be accepted with a permanent exclusion of HIV/AIDS and additional premium.
Persons affected with Mental Illness/diseases:
We treat physical and mental illnesses at par. Like physical illnesses, mental illnesses will be subjected to evaluation and basis the outcomes would either be accepted as standard or with additional premium and/or waiting periods or rejected basis the chronicity, severity and complications due to the disease or treatment.
Approach to Transgender persons:
We accept the proposal for transgender prospects. We offer policy coverage based on company’s standard underwriting guidelines.