ManipalCigna Health Insurance for Family

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

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

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

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

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

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

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.