ManipalCigna Corona Rakshak Policy

ManipalCigna Corona Rakshak Policy also known as COVID standard benefit-based health policy was introduced by IRDAI last year. The policy is now offered by ManipalCigna Health Insurance Company. In this policy, the payout is in Lumpsum upon positive diagnosis of COVID. The sum insured can be used to pay for Coronavirus treatment in any of the reputed hospitals near you.

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ManipalCigna Corona Rakshak Policy

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    Eligibility Criteria for ManipalCigna Corona Rakshak Policy

    Check out the eligibility criteria for ManipalCigna Corona Rakshak policy:



    Sum Insured (in Rs.)

    50k – 2.5 L

    Relationships Covered

    Spouse, Children, Parents & Parents-in-law

    Age Eligibility

    18-65 years

    Policy Term

    3.5 months (105 days), 6.5 months (195 days) and 9.5 months (285 days)

    Payment of Sum Insured

    Lumpsum on an individual basis

    Pre-medical Examination


    Waiting Period

    15 days

    Key Features of ManipalCigna Corona Rakshak Policy

    The policy features and benefits are given below:

    • Lumpsum Individual Coverage- Coverage for individuals and multiple individuals is offered
    • All India Coverage- Treatment can be availed anywhere within India
    • Tax Benefits- The premium paid helps you save taxes every year from your taxable income
    • Multiple Relationships can be covered- The policyholder can get individual cover for spouse, children, parents, and in-laws
    • Policy Term- You can choose any policy duration i.e. 3.5 months, 6.5 months, and 9.5 months

    What’s covered under ManipalCigna Corona Rakshak Policy?

    ManipalCigna Corona Rakshak policy covers the following expenses. The policy benefits get terminated once the payment is made:

    • Lumpsum Payment of Sum Insured- The insurer provides a lump sum benefit equal to 100% of the Sum Insured if the insured tests COVID positive.
    • Hospitalization Cover-It requires hospitalization for at least 72 hours and a positive diagnosis of COVID-19 from a government authorized diagnostic Centre Incidental expenses are also covered.
    • Home Treatment Cover- The sum insured can be used for SARS CoV2 home treatment expenses
    • Cost of the Consumable Items-The policy helps in paying for the cost of important consumable items that are required during COVID-19 treatment such as PPE kits, ventilators, masks, gloves, oxygen, etc.

    What’s not covered under ManipalCigna Corona Rakshak Policy?

    ManipalCigna Corona Rakshak policy does not cover the following expenses:

    • Medical expenses related to evaluation and diagnostic purposes
    • Any COVID treatment based on reports from a non-government recognized testing Centre
    • Any non-COVID related expenses are not claimable
    • Travel history traced to countries on which travel restrictions have been imposed

    To buy this plan or to get more information you can email us at or call us at 1800-208-8787


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