Who all can be covered on an individual basis under this policy?

Apart from self, you can cover a legally wedded spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, son-in-law, daughter-in-law, aunt, uncle, niece and nephew under this policy.

Who all can be covered on a family floater basis under this policy?

Apart from self, you can cover your legally wedded spouse, children up to the age of 25 years, parents, and parents-in-law under this policy. If covered on a floater basis, you can include a maximum of 2 adults and 3 children under a single policy. You can either opt for a combination of self and spouse or mother or father or mother-in-law or father-in-law.

What am I covered for under in-patient hospitalisation expenses in both the variants in this policy?

If covered under the policy, you will be offered protection for in-patient hospitalisation expenses which includes hospitalisation expenses for admission more than 24 hours, up to the full sum insured, if the hospitalisation is in India. For sum insured of up to Rs. 2 Crores, the expenses will be covered up to any room except suite or higher category. While for sum insured of Rs. 3 Crores, it will be covered for up to any room type including suite category. Kindly note that the benefits are available in both the plan variants namely India Plan and Global Plan.

Is there any optional benefit available under this policy?

Yes. The policy comes with the following optional packages which you can choose as per your requirement: Health+: The benefit is offered on an individual basis and the sum insured or limits specified to the cover is over and above the base plan. It includes air ambulance cover, domestic second opinion, bariatric surgery cover, major illness hospicash, etc. Women+: This cover is available for females aged at least 12 years. The benefit is available on an individual basis wherein the sum insured or limits specified is over and above the base policy. It covers breast cancer screening, cervical cancer screening, gynaecological consultations, psychiatric and psychological consultations, etc. Global+: This optional package is available for all the people insured under this policy. You can select this package at the entry level if you opt for the global plan. It covers you for global hospicash, global convalescence benefit, global outpatient expenses, travel expenses benefit, global second opinion, etc.

What are the other advantages of being covered under this policy, apart from coverage benefits?

Apart from coverage benefits, the policy also offers you a grace period of 15 days or 30 days as applicable for renewal with all continuation benefits, flexibility to pay the premium in monthly, quarterly, half-yearly, yearly instalments, and discounts such as family discount, long-term discounts, and online renewal discount.

What are the waiting periods under this policy?

The policy comes with the following waiting periods: Initial waiting period: 30 days Waiting period for specific illnesses: 24 months Waiting period for pre-existing diseases: 24 months Waiting period in case of critical illness add-on cover: A 90 days waiting period and 30 days survival period

What is the minimum and maximum entry age for this policy?

The minimum entry age for this policy for a child is 91 days and for an adult is 18 years, whereas the maximum entry age for a child is 25 years (in family floater policy), and for an adult is 65 years. Kindly note that the global plan is available to all insured people if they are Indian residents at the policy inception as well as at subsequent plan renewals.

What are the coverage benefits available with Global Plan?

Under Global Plan, you are covered for the following expenses: Global hospitalisation for major illness Global pre-hospitalisation and post-hospitalisation Global ambulance cover Medical evacuation Global travel vaccination Global robotic and cyberknife surgery Global modern and advanced treatments Repatriation of mortal remains Medical repatriation Repatriation of mortal remains

What are the sum insured options available under this policy?

The policy comes in two variants, namely India Plan and Global Plan and the sum insured options offered in both of them are Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 Crore, Rs. 1.5 Crore, Rs. 2 Crore, and Rs. 3 Crore.

What is covered in artificial life maintenance benefits under this policy?

The policy covers you for artificial life maintenance expenses including life support machine use, even in case these treatments do not result in recovery or restoration of the previous state of health in any case unless in a vegetative state if it is certified by the treating medical practitioner.

Can I avail any tax benefit under this policy?

Yes. You can avail of the tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

ManipalCigna Lifetime Health Insurance

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ManipalCigna Health Insurance

Lifetime Health Insurance Policy

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	93.40%
Network Hospitals	8,900+
Pre-existing Disease Coverage From	2 years
Pre-existing Disease Waiting Period	2 years
Special Benefits	Unlimited Restoration
Starting Premium (for 5L SI)	Rs. 566/month

About ManipalCigna Lifetime Health Insurance

Lifetime Health Insurance Policy offered by ManipalCigna Health Insurance is a reliable medical insurance policy that offers comprehensive coverage for domestic and global healthcare expenses. The policy comes in two variants namely India Plan and Global Plan wherein the former offers coverage to the insured within India and the latter offers it within India as well as abroad. The ManipalCigna Lifetime Health Insurance Plan provides coverage at every stage of life and thus is a preferred choice for many individuals. Read on to learn more about the ManipalCigna Lifetime Health Insurance Plan.

ManipalCigna Lifetime Health Insurance Plan at a Glance

Highlights of Manipal Cigna Lifetime Health Insurance Plan are mentioned in the below table:

Coverage	Family and individual
Riders	Critical illness rider
Variants	India Plan and Global Plan
Key features	High sum insured, Unlimited restoration benefits, etc
Inclusion	Pre and post hospitalisation expenses, Modern treatment, AYUSH treatment, etc
Exclusion	Gender change treatment, Infertility treatment, Any unproven treatment, etc

Features of ManipalCigna Lifetime Health Insurance Plan

Some of the key features of the ManipalCigna Lifetime Health Insurance Plan are as follows:

Coverage: The policy offers coverage to eligible people, on an individual as well as family floater basis. On an individual basis, the policy covers you, your legally wedded spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, son-in-law, daughter-in-law, aunt, uncle, niece and nephew. In contrast, on a family floater basis, you can cover yourself, your legally wedded spouse, children up to the age of 25 years, parents, and parents-in-law under this policy.

Sum insured: There are high sum insured options available in the ManipalCigna Lifetime Health Insurance Plan ranging between Rs. 50 lakhs and Rs. 3 crores which you can choose as per your requirements. Depending on the sum insured you choose, the health insurance premium will accordingly vary.

Global Coverage: Unlike many traditional health insurance plans, the ManipalCigna Lifetime Health Insurance Plan provides comprehensive global coverage. With global coverage, you can get treatment for most critical illnesses including cancer.

Premium Payment Mode: The ManipalCigna Lifetime Health Insurance Plan provides policyholders the option to pay premiums on an installment basis. You can pay the premium either on a monthly, quarterly, half-yearly, or yearly basis. You can even opt for annual premium options.

Eligibility Criteria of ManipalCigna Lifetime Health Insurance Plan

To buy the ManipalCigna Lifetime Health Insurance Plan, you need to fulfill the below-mentioned eligibility criteria:

Parameters	Eligibility Criteria
Minimum entry age for a child	91 days
Maximum entry age for a child	25 years
Minimum entry age for adult	18 years
Maximum entry age for adult	65 years
Policy period	1, 2, or 3 years

Benefits of Buying ManipalCigna Lifetime Health Insurance Plan

Not sure why to buy ManipalCigna Lifetime Health Insurance Plan? Here are some of the reasons why you should buy the ManipalCigna Lifetime Health Insurance Plan:

Restoration Benefits: With the ManipalCigna Lifetime Health Insurance Plan, you can get your sum insured restored for unlimited times in case it gets exhausted during a policy year.

Coverages Outside India: The ManipalCigna Lifetime is a type of Health Insurance plan that also provides coverage outside the Indian subcontinent. Under global coverage, policyholders can get coverage for major illness, pre and post-hospitalisation, ambulance cover, medical evacuation, repatriation of mortal remains, teleconsultation, and a lot more. The only condition to be eligible for this global coverage is that the insured is a resident of India when buying the policy.

Adult Health Check-up: At ManipalCigna, the wellness of the insured is of prime importance. Thus, with the ManipalCigna Lifetime Health Insurance Plan, you can also benefit from getting annual health check-ups at no additional cost. The annual health check-up benefit is given to policyholders at least 18 years of age.

Other Coverage: In addition to those mentioned above, the ManipalCigna Lifetime Health Insurance Plan also provides coverage for hospitalisation expenses, daycare treatments, pre and post hospitalisation expenses, AYUSH treatment, road ambulance cover, domiciliary expenses, mental health cover, and a lot more. The expenses covered under these are dependent on the sum insured. You can also include several add-ons to the plan to boost its benefits even more.

Discounts: The ManipalCigna Lifetime Health Insurance Plan also offers additional discounts to the policyholders so that they can save on health insurance premiums. With the ManipalCigna Lifetime Health Insurance Plan, you can get renewal discounts, loyalty discounts, long-term discounts, and a few more that will help you reduce your health insurance premiums.

Variants Available with ManipalCigna Lifetime Health Insurance Plan

The ManipalCigna Lifetime Health Insurance Plan is available in two variants: India and Global Plan. While most of the coverage offered under the two variants is the same, there are a few differences which have been enumerated below:

Parametres	India Plan	Global Plan
Area of cover	Domestic up to SI	Worldwide except USA and Canada up to SI
Global hospitalisation for major illness	Not covered	Covered for 27 major illness
Room rent capping	Yes	No room rent capping if the sum insured is Rs. 3 crores
Global vaccination cover	Not covered	Covered up to SI
Global medical evacuation	Not covered	Covered up to SI
Global modern treatment	Not covered	Covered up to SI
Global + add-on	Not available	Available

Add-ons Available with ManipalCigna Lifetime Health Insurance Plan

There are several optional packages available with the ManipalCigna Lifetime Health Insurance Plan that will help you customise your plan as per your changing needs. Listed below are some of these optional covers:

Health+ Package: This package is available on an individual basis only and includes coverage for air ambulance, domestic second opinion, bariatric surgery, teleconsultation, and a lot more.

Women+ Package: This includes coverage for breast cancer screening, cervical cancer screening, osteoporosis screening, and all other women-related problems.

Global+ Package: This covers expenses related to hospital cash, outpatient expenses, second opinions, and a few more.

Critical Illness Rider: This rider provides coverage for 11 listed critical illnesses.

Inclusions and Exclusions of ManipalCigna Lifetime Health Insurance Plan

Inclusions:

Hospitalisation Expenses: This includes expenses related to hospitalisation that is for at least 24 hours. The expenses covered are up to the sum insured.
Daycare treatment: All daycare treatment is covered within the sum insured.
Pre-hospitalisation Expenses: Covered for up to 60 days
Post-hospitalisation Expenses: Covered up to 180 days
AYUSH treatment: This includes coverage for AYUSH treatment within the sum insured
Road ambulance cover: Covered up to the sum insured
Domiciliary expenses: Covered up to 10% of the sum insured
Modern treatment: It includes coverage for modern treatment up to the sum insured
Mental health cover: Up to the sum insured
Robotic surgery: Up to the sum insured

Exclusions:

Obesity or weight control treatment
Change of gender treatment
Any expenses due to adventurous activity
Change of gender treatment
Any treatment related to drug abuse
Maternity treatment
Any unproven treatment
Maternity related expenses

Documents Required to Buy ManipalCigna Lifetime Health Insurance Plan

Listed below are the documents required to buy the ManipalCigna Lifetime Health Insurance Plan:

A duly filled application form
Aadhaar card
PAN card
Bank account details
Copy of medical reports
Pre-existing conditions details
Nominee details
Previous medical insurance copy

How to Buy a ManipalCigna Lifetime Health Insurance Plan?

Here are some easy steps in which you can buy a ManipalCigna Lifetime Health Insurance Plan with InsuranceDekho:

Visit the “Health Insurance” section on the official InsuranceDekho website.
Choose "ManipalCigna Health Insurance" from the list of health insurance companies.
Then, select " Lifetime Health Insurance Plan" from the available health insurance plans.
Read the policy documents carefully
Upload all the necessary documents to complete the KYC process
After finishing the KYC process, pay the premium online
Finally, you will receive the policy document in your registered email

Claim Process of ManipalCigna Lifetime Health Insurance Plan

The two types of claims you can raise along with your ManipalCigna Lifetime Health Insurance Plan includes cashless claim settlement and reimbursement claim. Under a cashless claim, you need not spend anything from your pocket, however in a reimbursement claim, you first spend from your pocket which will later get reimbursed.

Cashless Claim Prcocess

Visit a nearby network hospital
Inform the insurance company about the hospitalisation and fill out the pre-authorisation form
Submit documents such as policy paper and others along with the form to ManipalCigna
ManipalCigna will then verify all the documents
Once, everything has been approved, the hospital bills will be directly settled by ManipalCigna

Reimbursement Claim Process

Visit a non-network hospital
Under reimbursement claim, you need to first pay for the medical expenses from your pocket
Next, raise a claim on the ManipalCigna website
Submit all the documents along with your claim form
ManipalCigna Health will then verify the claim request
Once approved, all the medical expenses will be reimbursed

Whom do you want the insurance for ?

You

Couple

Family

Father

Mother

Select the age of all members

You
Select Age

Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 lac (Recommmended)

Disclaimer : Actual Premium might vary basis your location, age and number of members

Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

Cover for up to 27 critical illnesses (add-on)
In-patient hospitalisation expenses
Expenses related to daycare treatments
Pre-hospitalisation and post-hospitalisation expenses for a specific limit
Road ambulance expenses
Domiciliary expenses

What's Not Included

Expenses due to foreign invasion or civil war
Expenses due to war, warlike situations
Insured committing any breach of law
Any illness resulting from the insured committing any breach of law
Contamination from nuclear fuel
Hospitalisation for investigation purpose

8674 ManipalCigna Cashless Network Hospitals in India

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Add-ons to Enhance Benefits

Critical Illness
This add-on cover pays you a lump sum amount equal to the opted sum insured in case of the first diagnosis of the covered critical illnesses as mentioned in the policy document. You can buy this add-on by paying a little extra premium at the time of policy purchase.

Claim Process at ManipalCigna Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Lifetime Health Insurance Policy Health Insurance Plan

Who all can be covered on an individual basis under this policy?
Apart from self, you can cover a legally wedded spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, son-in-law, daughter-in-law, aunt, uncle, niece and nephew under this policy.
Who all can be covered on a family floater basis under this policy?
Apart from self, you can cover your legally wedded spouse, children up to the age of 25 years, parents, and parents-in-law under this policy. If covered on a floater basis, you can include a maximum of 2 adults and 3 children under a single policy. You can either opt for a combination of self and spouse or mother or father or mother-in-law or father-in-law.
What am I covered for under in-patient hospitalisation expenses in both the variants in this policy?
If covered under the policy, you will be offered protection for in-patient hospitalisation expenses which includes hospitalisation expenses for admission more than 24 hours, up to the full sum insured, if the hospitalisation is in India. For sum insured of up to Rs. 2 Crores, the expenses will be covered up to any room except suite or higher category. While for sum insured of Rs. 3 Crores, it will be covered for up to any room type including suite category. Kindly note that the benefits are available in both the plan variants namely India Plan and Global Plan.
Is there any optional benefit available under this policy?
Yes. The policy comes with the following optional packages which you can choose as per your requirement:

Health+: The benefit is offered on an individual basis and the sum insured or limits specified to the cover is over and above the base plan. It includes air ambulance cover, domestic second opinion, bariatric surgery cover, major illness hospicash, etc.

Women+: This cover is available for females aged at least 12 years. The benefit is available on an individual basis wherein the sum insured or limits specified is over and above the base policy. It covers breast cancer screening, cervical cancer screening, gynaecological consultations, psychiatric and psychological consultations, etc.

Global+: This optional package is available for all the people insured under this policy. You can select this package at the entry level if you opt for the global plan. It covers you for global hospicash, global convalescence benefit, global outpatient expenses, travel expenses benefit, global second opinion, etc.
What are the other advantages of being covered under this policy, apart from coverage benefits?
Apart from coverage benefits, the policy also offers you a grace period of 15 days or 30 days as applicable for renewal with all continuation benefits, flexibility to pay the premium in monthly, quarterly, half-yearly, yearly instalments, and discounts such as family discount, long-term discounts, and online renewal discount.
What are the waiting periods under this policy?
The policy comes with the following waiting periods:

Initial waiting period: 30 days

Waiting period for specific illnesses: 24 months

Waiting period for pre-existing diseases: 24 months

Waiting period in case of critical illness add-on cover: A 90 days waiting period and 30 days survival period
What is the minimum and maximum entry age for this policy?
The minimum entry age for this policy for a child is 91 days and for an adult is 18 years, whereas the maximum entry age for a child is 25 years (in family floater policy), and for an adult is 65 years. Kindly note that the global plan is available to all insured people if they are Indian residents at the policy inception as well as at subsequent plan renewals.
What are the coverage benefits available with Global Plan?
Under Global Plan, you are covered for the following expenses:

Global hospitalisation for major illness

Global pre-hospitalisation and post-hospitalisation

Global ambulance cover

Medical evacuation

Global travel vaccination

Global robotic and cyberknife surgery

Global modern and advanced treatments

Repatriation of mortal remains

Medical repatriation

Repatriation of mortal remains
What are the sum insured options available under this policy?
The policy comes in two variants, namely India Plan and Global Plan and the sum insured options offered in both of them are Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 Crore, Rs. 1.5 Crore, Rs. 2 Crore, and Rs. 3 Crore.
What is covered in artificial life maintenance benefits under this policy?
The policy covers you for artificial life maintenance expenses including life support machine use, even in case these treatments do not result in recovery or restoration of the previous state of health in any case unless in a vegetative state if it is certified by the treating medical practitioner.
Can I avail any tax benefit under this policy?
Yes. You can avail of the tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

View More Questions

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