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

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    ManipalCigna Arogya Sanjeevani Policy: Key Highlights


    Individual or Family Floater

    Sum Insured

    Rs 1-5 lakh


    1 year

    Cashless Benefit

    6500+ Network Hospitals


    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.


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