ManipalCigna Health Insurance

An all-round health insurance cover, ManipalCigna Pro health insurance provides complete insurance solution in case of a medical emergency. Available in 5 variants such as Protect, Plus, Preferred, Premier and Accumulate, the sum insured under this plan ranges from 2.5 to 1 cr.

ManipalCigna Pro Health Plan at a Glance

Features:

The salient features of this plan are as mentioned below:

• ManipalCigna pro health policy offers comprehensive sum insured ranging from 2. Lakh to 1 cr under 5 plan options
• 25% of family discount Protect and Plus Plan and 10% for Preferred, Premier and Accumulate Plans
• Tax benefit to be availed for premiums paid under Section 80D of the Income Tax Act
• Free-look period of 15 days within which the policy can be cancelled
• Worldwide emergency cover
• Cumulative bonus for every claim-free year
• AYUSH Cover
• Rewards for maintaining a healthy lifestyle
• Optional covers to be availed such as hospital cash benefit, waiver of co-payment, cumulative bonus booster, reduction in maternity waiting period etc.
• Restoration of sum insured
• No medical test up to the age of 45 years

Benefits:

Some of the unique benefits of ManipalCigna health insurance include:

• In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
• Pre hospitalisation expense cover for a specific period
• Post hospitalisation expense cover for a specific period
• Daycare treatment cover
• Domiciliary treatment cover
• Ambulance cover
• Donor expense cover
• AYUSH cover
• Maternity expense cover
• Newborn baby cover
• First year vaccination cover
• For the global traveler, worldwide emergency cover to take care of in-patient healthcare expenses outside India for full Sum Insured on re-imbursement basis

Exclusions:

The following conditions are not covered by this plan:

• No claim will be entertained during the initial 30 days of the policy
• Pre-existing illness will be covered after 2/3/4 years depending on the plan type
• 2 years waiting period for specific illnesses
• Maternity claim will not be covered up to 48 months
• Permanent exclusions for dental treatment, cosmetic surgery, cosmetic surgery, non-allopathic treatment

Note: Kindly refer to the policy document for the complete list of exclusion

With ManipalCigna Super Top Up plan, one can top up the basic cover at an affordable premium. The policy proves to be helpful in beating the inflation rate with guaranteed cumulative bonus. Choice of any hospital rooms while hospitalized, non-medical expense cover, family discount, AYUSH cover etc. are some of the unique features of this plan.

ManipalCigna Super Top up Plan at a Glance

Features:

Key features of this plan are as mentioned-below:

• It is a top up plan with sum insured option to be availed up to a maximum of Rs 30 lakh
• The policy can be availed as both individual and family floater basis
• Pre-existing illness are covered after a waiting period of 4 years
• Income tax benefits to be availed under Section 80D of IT Act
• 15 days of free-look period within which the policy can be cancelled
• 30-days grace period and 15-days revival period for policy renewal
• The policy comes with lifetime renewal option
• 3% discount on online renewal every year

Benefits:

Some of the unique benefits of ManipalCigna Super Top up insurance include:

• In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
• Pre hospitalisation expense cover for 60 days
• Post hospitalisation expense cover for 90 days
• Daycare treatment cover
• Domiciliary treatment cover
• Ambulance cover
• Donor expense cover
• AYUSH cover
• Options to opt for covers like guaranteed continuity on deductibles, reduction of waiting period of pre-existing illness
• Critical illness cover, as an add-on benefit

Exclusions:

Some of the permanent exclusion of this plan include:

• Any illness or injury resulting from the insured involving in any criminal activity or any breach of law
• Suicide or drug abuse
• Contamination from Nuclear fuel or radiation
• Foreign invasion or civil war

*For the complete list, please refer to the policy document

ManipalCigna Arogya Sanjeevani Policy is a simplified health insurance product that offers health coverage of Rs 1 lakh to Rs 5 lakh for treatment arising out of a medical emergency. One of the unique features of this plan is it covers diseases such as corona virus as well. The list of coverage includes cover for modern and advanced treatment, choice of multiple SI options, coverage for allopathic and AYUSH treatment etc.

ManipalCigna Arogya Sanjeevani Plan at a Glance

Features:

Key features of this plan are as mentioned-below:

• It is top up plan with sum insured option to be availed up to a maximum of Rs 30 lakh
• The policy can be availed as both individual and family floater basis
• Pre-existing illness are covered after a waiting period of 4 years
• Income tax benefits to be availed under Section 80D of IT Act
• 15 days of free-look period within which the policy can be cancelled
• 30-days grace period and 15 days revival period for policy renewal
• The policy comes with lifetime renewal option
• 3% discount on online renewal every year

Benefits:

Some of the unique benefits of ManipalCigna Super Top up insurance include:

• In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
• Pre hospitalisation expense cover for 60 days
• Post hospitalisation expense cover for 90 days
• Daycare treatment cover
• Domiciliary treatment cover
• Ambulance cover
• Donor expense cover
• AYUSH cover
• Options to opt for covers like guaranteed continuity on deductibles, reduction of waiting period of pre-existing illness
• Critical illness cover, as an add-on benefit

Exclusions:

Some of the permanent exclusion of this plan include:

• Any illness or injury resulting from the insured involving in any criminal activity or any breach of law
• Suicide or drug abuse
• Contamination from Nuclear fuel or radiation
• Foreign invasion or civil war

*For the complete list, please refer to the policy document

The ManipalCigna Lifestyle Protection - Accident Care assures financial support through the ups and down of life and ensures a safety cushion for a secured future. As a medical emergency resulting by an accident can plug a big hole in your financial portfolio, a protection plan like this is a boon to cover those unexpected expenses. Unlike other PA cover, this standalone personal accident policy offers a comprehensive coverage with benefits such as partial disability, ambulance cover, orphan benefit, funeral expenses cover and many more risks.

ManipalCigna Lifestyle Protection Plan at a Glance

 Features:

• Complete coverage in case of Accidental Death and Disablement
• Worldwide Coverage with a vast chain of network hospitals
• Financial assistance in case Loss of Employment
• Financial backing towards the Education & other Benefit for Orphan Child
• Minimum Sum Insured is Rs 50,000 to a maximum of Rs 10 Crore
• Minimum entry age is 5 years for children and 18 years for adults. Maximum age at entry is 25 years for children and 80 years for adults.
• Option to pay via single premium mode or annually in case of a 2 & 3 year policy term.
• Available on individual and family basis. Relationship covered is self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.
• Additional 10 % discount on the premium amount for enrolling more than 2 family members under a single policy.
• Apart from this, startling discount of 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy

Benefits:

The plan benefits are offered under three plan options i.e. Basic cover, Enhanced cover and Comprehensive cover.

• A lump sum payout is made to the nominee in case of accidental death of the policyholder
• In case of Permanent Total Disablement or Permanent Partial Disability of the insured due to an accident, the insurer pays a lump sum on regular basis as a source of income
• Emergency ambulance cover
• Orphan benefit in case the insured person has dependent children
• A monthly payout as income benefit in case of disability leading to loss of income

Exclusions:

Major exclusions of this plan are:

• Pre-existing illnesses/ disability arising out of such an illness will not be covered
• Suicide, self-inflicted injury or acts of self-destruction
• Death or disablement caused by sexually transmitted diseases
• Medical certification availed from a doctor who is a family member
• Death or disablement arising out of foreign invasion, warlike operations, participation in any naval, military or air-force operation
• Claim for a disability or death arising out of a bacterial infection
• Congenital diseases, defects or anomalies or in consequence thereof.
• Death or disablement arising from surgical treatment
• Death or disablement arising from Hernia

*For the complete list, please refer to the policy document

ManipalCigna ProHealth Cash Plan is a hospital cash benefit plan where a fixed amount is paid per day basis in lump sum during a hospitalisation. ProHealth Cash Plan comes in handy when your traditional health insurance doesn’t cover those expenses which come with a cluster of out of pocket expenses.

In such a situation, plans like ProHealth Cash comes to your rescue. Here’s how:

Plan at a Glance

Features:

• Daily Cash Benefit (DCB) available from Rs 500 (1unit) to Rs 5000 (10 units) Accidental Death (AD) and Permanent Total Disability (PTD) cover from Rs 50,000 to Rs 25 Lacs
• Option to choose maximum number of days of coverage from 60, 90 & 180 per policy year.
• Protection for self and family member under individual cover
• Choice of policy term of 1,2 & 3 years
• 2 times daily cash benefit for accidental hospitalization
• 3 times daily cash benefit towards ICU and worldwide cover
• 5 times daily cash benefit for hospitalization of 10 or more continuous days. 50% of the daily cash benefit will be payable in respect of accompanying person taking care of insured Benefit Coverage under the ManipalCigna ProHealth Cash
• No medical test required up to the age 45 years

Benefits:

Benefits under ProHealth Cash plan are offered through 3 plan options:

Basic Plan

Sickness Hospital Cash Allowance

• Accident Hospital Cash allowance
• ICU Cash Benefit
• Worldwide Cover

Enhanced Plan

This plan has been diversified to cover a broad range of expenses for a time duration of 90 days. The allowances allowed under this plan includes:

• Sickness Hospital Cash Benefit
• Accident Hospital Cash Benefit
• ICU Cash Benefit
• Worldwide Cover
• Convalescence Benefit
• Companion Benefit
• Compassionate Benefit

Optional Covers Plan

Apart from the regular benefits in above two plans, customer may avail few more additional coverage for a time span of 180 days

• Day Care Treatment Benefit
• Accidental Death & Permanent Total Disability Cover
• Critical Illness Add-on Cover

Exclusions:

• Pre-existing illnesses are not covered up to 48 months
• No claim will be entertained during the first 30 days of the policy
• Two year waiting period is applied for covering certain specific illnesses

Permanent Exclusions:

• Dental treatment
• Expenses incurred towards AIDS/HIV or other related illnesses
• Treatment received outside India
• Any cosmetic surgery, aesthetic treatment, any form of non-allopathic treatment etc.

*For the complete list, please refer to the policy document

With ManipalCigna Lifestyle Protection Group plan, employees of a corporate group can secure themselves and their family. The policy can be purchased by corporate for their employees and dependents, where the policy is issued in the name of the company. Even foreign nationals working India can be included under this plan.

ManipalCigna Lifestyle Protection Group Plan at a Glance

Features:

Key features of this policy include:

• The policy can be availed as combinations of group personal accident+ optional cover and group critical illness only or combination with optional cover
• ManipalCigna Lifestyle Protection Group Plan can be availed for 1 year
• The policy covers the insure against personal accident and critical illnesses listed in the policy
• The policy allows the insured person to be placed in different level cover
• The policy can be purchased online from the insurers official website
• Group critical illness plan offers tax benefits towards the premium paid

Benefits:

Benefits of ManipalCigna lifestyle group protection plan are offered under two plan variants:

Under Group Accident Cover:

1. The policy offers a lump sum amount in case of an accident leading o death, permanent total disability, permanent partial disability or temporary total disability
2. The basic benefit can be chosen from any of the combination from AD, PTD, PPD or TTD.

• There is a choice of selection of the basic benefits (4) in combination with optional benefits (34)

Group Critical Illness Cover

1. The policy offers a lump sum payment towards a critical illness
2. The payouts are subject to a survival period of 30 days

• The policy offers a combination of optional covers. To name a few are Waiver of Survival Period, Hospital Cash Benefit, Emergency Evacuation, Rehabilitation Benefit, Loss of Earning Benefit etc.

Exclusions:

The standard exclusions of this policy include:

• Any Pre-existing disease or disability arising out of pre-existing illnesses
• Suicide, attempt to suicide, self-inflicted injury or acts of self-destruction
• Death or disablement arising out of war, foreign invasion, war like operations, use of nuclear weapon etc.
• Congenital diseases, defects or anomalies or in consequence thereof
• Death or disablement caused by sexually transmitted diseases
• Death or disablement arising from Bacterial infections,
• Medical or surgical treatment expenses towards HIV/ AIDS
• Death or disablement arising due to the insured’s involvement in an illegal activity
• Death or disablement arising due to use, abuse or a consequence of drug, alcohol or hallucinogen
• Death or disablement resulting from pregnancy or a consequence thereof, expenses of maternity, newborn
• Death or disablement for engaging in any adventure sports or hazardous activities
• Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel

ManipalCigna ProHealth Group Insurance Policy is designed to cover a group of people. The group can be employees of an organization, members of a society or professional association or an affinity group. The policy provides insurance protection to the group in times of medical emergency. With two plan types, ManipalCigna group policy offers comprehensive coverage as per the needs of the group people.

ManipalCigna ProHealth Group Insurance Plan at a Glance

Features:

Some of the key features of this policy include:

• Easy and flexible plan management
• Efficient, accurate implementation
• Expert guidance on healthcare issues
• Extensive network coverage
• Innovative Health risk & Wellness management programs
• Dedicated customer support
• This plan is recommended for homogeneous groups, corporate body, institution etc. subject to a minimum group size of 7 people

Benefits:

Benefits under MnaipalCigna Group plan can be categorized into Base Cover and Optional cover. The list of coverage includes:

ManipalCigna Group Plan-Base Cover:

• In-patient hospitalisation expenses cover including room charges, doctor fees, operation theatre, surgeon fees, specialist fees, anesthetist’s fees, radiologist, diagnostic tests, pathologist fees, nursing charges, medicines, medical and/or surgical appliances.
• Pre-hospitalisation medical expenses cover for 60 days
• Post-hospitalisation medical expenses cover for 90 days
• Day care treatment cover
• Road Ambulance Cover
• Domiciliary hospitalisation Cover
• Donor expenses cover

ManipalCigna Group Plan-Optional Cover:

Some of the optional covers offered by ManipalCigna group plan are mentioned below:

• Maternity expense cover
• Newborn medical expense cover
• Hospital daily cash benefit
• Reimbursement only cover
• Voluntary Co-Payment for In- patient Hospitalisation
• Critical illness cover
• Personal accident benefit
• Vision expense cover
• Accumulate cover
• Out-patient treatment cover, up to the sum insured chosen, where any one or combination of the below-mentioned can be opted:
  • AUSH
  • Consultation
  • Medical Aids
  • Pharmacy
  • Diagnosis

Exclusions:

Some of the permanent exclusions of ManipalCigna health plan for group are as mentioned below:

• Treatment received outside India is excluded
• Any form of alternative treatments such as AYUSH
• Injury sustained while participating in risky sports, racing of any kind
• Involvement in an air, military or naval force operations
• Expenses incurred for dental treatment

Note: kindly refer to the policy document for the complete list of exclusions

ManipalCIgna Group Overseas Travel Insurance policy offers all round insurance protection to cover business trips, vacation, trip cancellation, trip interruption, health emergency expenses, loss of baggage and many more.

ManipalCigna Group Overseas Travel Insurance Plan at a Glance

Features:

The key features of this health insurance from ManipalCigna are:

• The policy offers customizable protection as per one’s travel needs
• The policy is offered for single trip, not exceeding 1 year and multi trip basis
• Option to choose between the Base and Optional covers
• Medical expenses & travel inconvenience cover in a single plan
• The policy offers package of 51 need based Optional covers
• Pack of travel benefits from delay, loss of baggage to hijack
• Set of benefits for accident & related eventualities
• Option to choose from medical emergency, OPD to family support
• Unique options to avail such as travel loan secure, adventure sports, cruise cover, golf related cover and more
• Fixed or Indemnity payout as applicable
• Easy Plan Management
• Dedicated claims and customer support management
• 20 relationships can be covered under this policy
• The premium can be paid monthly/quarterly/half-yearly/yearly basis
• Number of travel days per trip to be availed under Multi Trip Option are 30/45/60/90 Days

Benefits:

Benefits offered under ManipalCIgna Overseas Plan can be categorized into three categories:

• Benefit I: Medical Expenses
• Benefit II: Travel Inconvenience cover due to trip cancellation and interruption
• Benefit III: Travel Personal Accident

Benefit I- Medical Expenses

• The policy covers emergency hospitalisation expenses on the occurrence of any illness or injury due to an accident in a foreign country
• This covers expenses such as in patient expenses, diagnostic test, room rent, nursing expenses, air ambulance, medical evacuation etc.

Benefit II- Trip cancellation/Interruption

• The policy covers trip cancellation or interruption due to fire, Catastrophe or any act of vandalism, bad weather, medical emergency, political strike or riot etc.
• The coverage list includes expenses incurred towards any prior travel bookings for travel in a common carrier, advance accommodation bookings, any sightseeing bookings, and cruise bookings are covered
• Return journey to India or home country within 3 days of trip cancellation or interruption is covered

Benefit III: Travel Personal Accident

This policy covers the insured for an injury due to an accident while abroad and if the injury results in the death of the person within 365 days, the policy sum insured up to 100% is paid.

Optional Benefits

• Life-threatening pre-existing illness cover
• OPD expense
• Emergency Medical Evacuation
• Permanent total Disability-Common Carrier
• Permanent Partial Disability-Common Carrier

Exclusions of ManipalCipgna Overseas Travel Plan

Some of the major exclusions of this health plan, where ManipalCigna is not liable to pay any compensations, are:

• Claim arising for a health emergency due to any pre-existing condition
• Dental treatment, cementing tooth or teeth bridge
• Root canal treatment, dental filling and crowning
• Involvement of the insured in any illegal activity
• Treatment of orthopedic, degenerative or oncological diseases
• Any consequential loss or damage cost or expense of whatsoever
• Nature
• Any claim arising out of maternity or childbirth related expenses

*Note: kindly refer to the policy document for the complete list of exclusions

 ManipalCigna ProHealth Select plan offers vital health coverage to safeguard you and your family against an eventuality. The policy allows the individual to choose from a wide range of sum insured up to 25 lakhs. The re-assurance benefit allows the policy to be auto-extended up to 2 years on diagnosis of critical illness or PTD.

ManipalCigna ProHealth Select Plan at a Glance

Features:

The basic features of ManipalCigna ProHealth Select plan are:

• An extensive sum insured option up to Rs 2 lakh to choose from with four plan options
• The policy offers 5% cumulative bonus for each claim-free year
• Optional covers such as Re-assurance, voluntary deductible, cumulative bonus booster and so on to increase the basic plan benefits
• Children from 91 days can be covered if either of the parents is a member
• The plan can be availed as individual and family floater basis

Benefit:

The insured is offered with the following benefits under this plan:

• In-patinet hopsitalisation expense cover
• Pro-hospitalisation expense cover for 60 days
• Post-hospitalisation cover for 90 days
• Daycare treatment
• Domiciliary treatment cover for availing healthcare services at home which would otherwise have required hospitalisation
• Ambulance cover up to Rs 2000
• Donor expense cover
• Restoration of policy sum insured
• AYUSH cover

Exclusions:

The common exclusions of this policy include:

• Pre-existing diseases will not cover up to 48 months
• No claim will be entertained within first 30 days of the policy, except an accidental claim
• Two years waiting period to be served for covering specific illnesses
• 90 days waiting period to cover critical illness under Re-assurance and rider benefit
• Under permanent exclusion list-maternity expenses, dental treatment, cosmetic surgery, laser therapy, expenses incurred for HIV/AIDS, self-inflicted injury, suicide, attempt to suicide etc. are not covered

*For the complete list, please refer to the policy document

The ManipalCigna Lifestyle Protection - Critical Care is a customized insurance plan to reassure the financial assistance in the times of medical exigency for critical diseases. The policy pays out an amount equal to the policy sum insured upon the first diagnosis of a critical illness covered under ManipalCigna health insurance for critical illness.

ManipalCigna Lifestyle Protection - Critical Care at a Glance

Features:

The key features of this plan are

• Disbursement of the entire Sum Insured on first diagnosis of any of the 15 or 30 major Critical Illnesses
• Additional 10% of the sum insured in case of staggered claim payment
• Advantage of medical second opinion and any expense related to it
• Available for Individual and Family basis plans
• Option to pay the premiums as single premium mode or installments through annual mode
• Additional 10 % discount on the premium amount for enrolling more than 2 family members under a single policy
• Apart from this , startling discount of 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy
• 90 days waiting period from the policy inception date to make any claim in case if diagnosis of any listed critical illness
• Available for age group of 18 to 65 years
• Access to online wellness program for its customers
• Available in two variant (a) Basic plan to cover 15 Critical Illnesses (b) Enhanced plan to cover 30 Critical Illnesses with enhanced sum insured payout structure
• Flexibility to choose an annual premium installment for 2 and 3 years policy.
• A grace period of 30 days for renewal of a single premium policy from the date of expiry.
• Income tax rebate benefits under the section u/s 80D as per IT Act 1961 for premium paid towards this policy
• Staggering Sum Insured amount up to Rs 3 Crores to cover all possible critical illness ailments in any unforeseen situations
• Option to port your existing policy to ManipalCigna lifestyle Protection Critical care

Benefit:

• The basic ManipalCigna health plan covers below mentioned critical illnesses: Cancer of specific severity
• First Heart Attack – of Specific Severity
• Open Chest CAB
• Open Heart Replacement or Repair of Heart Valves
• Coma of Specified Severity
• Kidney Failure Requiring Regular Dialysis
• Stroke Resulting in Permanent Symptoms
• Major Organ / Bone Marrow Transplant
• Permanent Paralysis of Limbs
• Motor Neurone Disease with Permanent Symptoms
• Multiple Sclerosis with Persisting Symptoms
• Primary Pulmonary Hypertension
• Aorta Graft Surgery

*For complete list, refer to the policy document

 Critical Illnesses covered under Enhanced Insurance Policy

• Cancer of specific severity
• First Heart Attack – of Specific Severity
• Open Chest CAB
• Open Heart Replacement or Repair of Heart Valves
• Coma of Specified Severity
• Kidney Failure Requiring Regular Dialysis
• Stroke Resulting in Permanent Symptoms
• Major Organ / Bone Marrow Transplant
• Permanent Paralysis of Limbs
• Motor Neurone Disease with Permanent Symptoms
• Multiple Sclerosis with Persisting Symptoms
• Primary Pulmonary Hypertension
• Aorta Graft Surgery
• Loss of Hearing
• Loss of Sight
• Coronary Artery Disease

*For complete list, kindly refer to the policy document

Exclusions of ManipalCigna Lifestyle Protection-Critical Care

Any claim pertaining to or any consequential illness due to the below mentioned cases shall not be reimbursed under this plan:

• Any illness other than specified critical illnesses as mentioned in the above list of inclusions of critical diseases
• Any pre-existing diseases
• HIV/AIDS and its complications
• Mental disorders
• Suicide or drug abuse
• Any expenses resulting from child birth or pregnancy
• No claims within the first 90 days of the policy
• Policy benefits are only provided after a survival period of 30 days from the first diagnosis of a listed illness

*For the complete list, please refer to the policy document

11. ManipalCigna Global Health Group Policy

ManipalCigna Global Health Policy is a group health policy with a comprehensive insurance protection. The policy offers insurance coverage and wellness solution with a combination of optional covers. The policy is a best fit for meeting the requirements of employer-employee/non-employer-employee segment. The insured is entitled with a wide range of sum insured starting from USD 5000.

ManipalCigna Global Health Group Policy at a Glance

Features:

The key features of this plan from ManipalCigna insurance company include:

• Provides inpatient hospitalization and day care benefits
• Outpatient benefit cover
• Multiple options with hospitalisation/out-patient related benefits
• Smart choice of maternity expenses and new born cover
• Emergency Evacuation
• Repatriation, out of area cover
• Dental, Vision cover, Hospice and palliative care
• Travel vaccination, Complementary treatments, cancer cover and more
• Host of options for cost effective plans - Co-pay, Deductible, Waiting period inclusion and Maximum limit on Out of pocket expense
• Wellness package for Health and Well-being
• Access to Secure Member Website for end-to-end support
• Easy access to quality health care around the world

Benefits:

ManipalCigna global health policy offers all round insurance protection in terms of in-patient hospitalisation, along with other medical benefits. Let’s have a look here:

• Inpatient expense cover including room rent, expenses for ICU/OT, surgical procedures, doctor’s fees, expenses for medicines, oxygen, specialist’s fee, Anaesthetist fee etc.
• Day care treatment
• AYUSH treatment
• Ambulance cost
• Coverage for HIV/AIDS
• In-patient psychiatric treatment cover, subject to a specific waiting period
• Maternity cover as an optional cover
• Pre hospitalisation expense cover
• Post hospitalisation expense cover

Exclusions:

ManipalCigna global health group plan comes null and void under the below conditions:

• Treatment received outside India is excluded
• Any form of alternative treatments such as AYUSH
• Injury sustained while participating in risky sports, racing of any kind
• Involvement of the insured in an air, military or naval force operations
• Expenses incurred for dental treatment

*For the complete list, please refer to the policy document