ManipalCigna Health Insurance for Family
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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 |
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 |
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 |
|
|
Adult |
Child |
|
|
Minimum Entry Age |
18 years |
91 days |
|
Maximum Entry Age |
No age limit |
23 years |
|
No of Family Members Covered |
Self, spouse, dependent children, dependent parents, parents-in-law |
|
|
Renewability |
Lifetime |
|
Choose Health Insurance Company for Family
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.
- 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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