ManipalCigna Arogya Sanjeevani Policy

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      ManipalCigna Arogya Sanjeevani Policy

      ManipalCigna Arogya Sanjeevani Policy is an affordable health insurance rolled out by all the insurers with uniform premiums across the country. Introduced by the IRDAI, ManipalCigna Arogya Sanjeevani Insurance Policy offers coverage for the hospitalization expenses, including modern, alternate, and day-care treatments, even hospitalisation due to Coronavirus.

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      ManipalCigna Arogya Sanjeevani Policy: Key Highlights

      Type

      Individual or Family Floater

      Sum Insured

      Rs 1-5 lakh

      Tenure

      1 year

      Cashless Benefit

      6500+ Network Hospitals

      Co-payment

      5% for all claims

      Coverage Offered

      One can opt for an Individual or a Family Floater policy to buy ManipalCigna Arogya Sanjeevani Policy and cover the immediate and the extended families. The other coverage offered in the policy is:

      • In-patient Treatment: It covers all the hospitalization expenses for a stay of more than 24 hours.
      • Pre-Hospitalization Expenses: The coverage offered for medical expenses incurred for 30 days before admission to a hospital.
      • Post-Hospitalization Expenses: The coverage offered for medical expenses for 60 days from the discharge date.
      • Day Care Expenses: The policy covers the cost of procedures and surgery, not requiring overnight hospitalization.
      • Modern Treatment and Procedures: The insured is indemnified for technologically advanced therapy, up to 50% of the sum insured.

      Inclusions of the ManipalCigna Arogya Sanjeevani Policy

      Other than the primary coverage discussed above, ManipalCigna Health Insurance delivers the following covers:

      • Road Ambulance:  Cost of hiring ambulance for evacuation to the hospital up to Rs 2,000 per hospitalization is covered.
      • Cataract Treatment: Any cataract surgery expenses are covered up to Rs 40,000 or 25% of the sum insured, whichever is lower.  
      • Other Expenses: The cost of dental and plastic surgery needed to treat illness or injury is covered up to the full sum insured.

      Exclusions of the Plan

      The plan’s exclusions are categorized into permanent and one with waiting period clause.

      Waiting Period

      • Initial Period: No illness claims other than accidental injury are admitted up to 30 days from the policy inception.
      • Specific Period: The policy lists a few specific diseases for which the waiting period is 24/48 months.
      • Pre-Existing Disease Period: All pre-existing diseases are covered only after 48 months from the policy inception date. 

      Permanent Exclusions

      • Injuries or illnesses caused by drug or substance abuse, alcoholism, and radioactive contamination are not covered in the policy.
      • Injuries or illnesses as a consequence of activities in breach of law are not covered.
      • Injuries resulting from indulging in hazardous sports and activities are also not covered.

      Features & Benefits of the ManipalCigna Arogya Sanjeevani Policy

      It is imperative for the insured to buy ManipalCigna Arogya Sanjeevani Policy after checking up the features and benefits to assess its suitability.

      • Sum Insured: The policy offers a range of sum insured from Rs 1 Lakh to Rs 5 Lakhs, in multiples of Rs 50,000.
      • Cumulative Bonus: The reward for every policy year that is free from a claim translates to a 5% increase in the sum insured at renewal, subject to the maximum of 50% rise.
      • Savings Options: It is possible to save on premium through the choice of family cover, buying it online or opting for online ManipalCigna Arogya Sanjeevani Policy renewal.
      • Tax Benefits: According to the provisions of prevailing tax laws, the ManipalCigna Health Insurance premium is entitled to deduction under Section 80D up to stipulated limits.

      *Tax benefits are subject to change in tax laws

      Eligibility Criteria

      The minimum eligibility conditions to buy this policy are:

      Minimum Entry Age

      Child:91 days (provided parent is covered)

      Adult: 18 years

      Maximum Entry Age

      Child: 25 years (Family Floater)

      Adult: 65  years

      Number of people covered:

      Individual, Maximum 2 Adults and 3 Children in the Floater Policy.

      Residential Status

      Indian citizens, Permanent Residents, NRIs

      Cancellation Terms of the Policy

      The insured is free to cancel the policy at any time during the policy term. The refund of the premium will only be on a short-term basis. The insurer can also cancel the contract in case of fraud or misrepresentation, or concealment of medical information by the policyholder.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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