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.

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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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    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:


    Eligibility Criteria



    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



    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.


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