ManipalCigna Health Insurance for Family

ManipalCigna Health Insurance for family refers to family health insurance plans that cover all the members of a family under a single policy. This plan by ManipalCigna Health Insurance Company Limited provides coverage to the entire family on a floater sum insured basis.

Key Benefits of ManipalCigna Health Insurance for Family

Take a look at the key benefits of buying ManipalCigna Health Insurance for family:

Wide sum insured options ranging from Rs 2 lakh to Rs 3 crore
Long term discount of 7.5% and 10% on buying a 2-year or 3-year policy term
Cashless treatment facilities at over 6500 network hospitals
Restoration of the sum insured available if exhausted after a claim
5% cumulative bonus up to 100% for every claim-free year
Health check-up facilities available once every year
3% discount available on renewing the policy online
5% or 10% loyalty discount in case of an existing ManipalCigna health insurance plan
Income tax benefits on paid premium under Section 80D of the IT Act
5% to 15% discount on opting for a co-payment

ManipalCigna Health Insurance Plans for Family

Check out the various health insurance plans for families offered by ManipalCigna Health Insurance Company:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
ManipalCigna ProHealth Insurance Plan	Protect – 2.5 lakh to 50 lakh Plus – 4.5 lakh to 50 lakh Preferred – 15 lakh to 50 lakh Premier – 1 crore Accumulate – 5.5 lakh to 50 lakh	24 months, 36 months, 48 months	View Plan
ManipalCigna LifeTime Health Insurance Plan	50 lakh to 3 crore	24 months	View Plan
ManipalCigna ProHealth Select Insurance Plan	Select A – 50,000 to 25 lakh Select B – 2 lakh to 25 lakh	48 months	View Plan

Eligibility Criteria for ManipalCigna Health Insurance for Family

The following table represents the eligibility criteria to buy a ManipalCigna Health Insurance plan for a family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days
Maximum Entry Age	No age limit 65 years (LifeTime Health Plan)	23 years 25 years (LifeTime Health Plan)
No of Family Members Covered	Self, spouse, dependent children, dependent parents, parents-in-law
Renewability	Lifetime

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Inclusions of ManipalCigna Health Insurance for Family

The following coverage is available under the ManipalCigna Health Insurance plans for a family:

In-patient Hospitalization Expenses
Pre-hospitalization Expenses
Post-hospitalization Expenses
Day Care Treatment
Domiciliary Treatment
Ambulance Cover
Donor Expenses
AYUSH Cover
Worldwide Emergency Cover (excluded in ProHealth Select plan)
Health Maintenance Benefit (under ProHealth Insurance plan)
Maternity Benefit (under ProHealth Insurance plan)
Robotic & Cyberknife Surgery (under LifeTime Health plan)
Modern & Advanced Treatments (under LifeTime Health plan)
HIV AIDS & STD Cover (under LifeTime Health plan)
Mental Care Cover (under LifeTime Health plan)
Premium Waiver Benefit (under LifeTime Health plan)

Optional Covers:

Critical Illness Cover
Deductible (excluded in LifeTime Health plan)
Cumulative Bonus Booster (excluded in LifeTime Health plan)
Hospital Daily Cash (excluded in ProHealth Select plan)
Removal of Room Rent Limit (under ProHealth Select plan)

The inclusions vary between one ManipalCigna Health Insurance plan to another.

Exclusions of ManipalCigna Health Insurance for Family

ManipalCigna Health Insurance for family does not offer the following coverage:

Treatment of alcohol or drug abuse
Dental treatment
Claims related to suicide
Adventure sports
Sterility and infertility treatment
Cosmetic surgery
Unproven treatment

Find the complete list of exclusions by referring to the policy documents of ManipalCigna Health Insurance plans for families.

FAQs

Q1. Does ManipalCigna Health Insurance for family comes with any waiting periods?
Ans: Yes. ManipalCigna Health Insurance for family comes with the following waiting periods:
- Initial Waiting Period – 30 days
- Specific Ailments Waiting Period – 24 months
- Pre-existing Diseases Waiting Period – 24/36/48 months
- Critical Illness Waiting Period – 90 days
Q2. Do all ManipalCigna Health Insurance plans for families offer global coverage?

Ans: No. Only ManipalCigna LifeTime Health Insurance plan comes with a Global plan that allows you to avail medical coverage outside India.
Q3. Are newborn baby expenses covered under ManipalCigna Health Insurance for family?

Ans: Yes. ManipalCigna ProHealth Insurance plan provides coverage for newborn baby expenses.