ManipalCigna Lifetime Health Plan

ManipalCigna Lifetime Health Plan

ManipalCigna Lifetime Health plan provides comprehensive coverage within India and abroad. It comes with unlimited restoration of the sum insured and provides preventive health check-ups to insured adults. The plan also waives off a 1-year renewal premium if the insured faces accidental death & disability or is diagnosed with a listed critical illness under the Premium Waiver benefit.

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This ManipalCigna health insurance policy provides worldwide coverage for hospitalization expenses, modern treatments, medical evacuation and repatriation, etc., under the Global plan. Moreover, it covers women-specific medical expenses and offers concierge services within India.

ManipalCigna Lifetime Health Plan: Key Highlights

Benefits of ManipalCigna Lifetime Health Plan

Check out the key benefits of purchasing a ManiplaCigna Lifetime Health plan:

1. Restoration of the Sum Insured

   Policyholders can restore their sum insured by 100% unlimited times a year for unrelated illnesses in case the base coverage amount is insufficient for a claim with the Restoration of Sum Insured benefit.

2. Premium Waiver Benefit

   Under the Premium Waiver benefit, the 1-year premium of this health insurance policy is waived off in case the insured is diagnosed with a listed critical illness, dies in an accident or suffers from permanent partial disability and permanent total disability due to an accident.

3. Worldwide Coverage

   Policyholders can claim medical expenses outside India by opting for this global health insurance policy. However, this benefit is only available under the Global plan and comes with the Global+ Package as an optional cover.

4. Health Check-ups for Adults

   The ManipalCigna Health Insurance Company pays for the comprehensive annual health check-ups of all adult insured members availed at any of their network providers.

5. Women+ Package

   This mediclaim policy covers the cost of various women-related medical expenses, including breast cancer screening, cervical cancer screening, osteoporosis screening, cervical cancer vaccination, gynaecological consultations, etc., under the Women+ Package. However, this package is available as an optional cover.

6. Domestic Concierge Services

   Policyholders can avail concierge services for assistance and support during hospitalization in India. However, this benefit is available under the Health+ Package optional cover.

7. Tax Benefits

   Tax deductions can be availed on the ManipalCigna Lifetime Health policy premium under Section 80D, Income Tax Act.

ManipalCigna Lifetime Health Plan Eligibility Criteria

Here are the eligibility criteria to buy a ManipalCigna Lifetime Health plan:

Inclusions of ManipalCigna Lifetime Health Plan

ManipalCigna Lifetime Health plan includes the following coverage:

• Hospitalization Expenses – It covers the cost of hospitalization of at least 24 hours, such as room boarding charges, doctor’s fees, OT charges, nursing charges, ICU charges, etc.
• Day Care Treatment – It pays for the medical expenses incurred on day care treatments requiring less than 24 hours of hospitalization.
• Pre-hospitalization Expenses – It covers the healthcare expenses incurred for a maximum of 60 days before hospitalization.
• Post-Hospitalization Expenses – It pays for medical costs incurred for a maximum of 180 days after discharge from the hospital.
• AYUSH Treatment – It covers the cost of in-patient hospitalization and day care treatments obtained at an AYUSH hospital or day care centre.
• Road Ambulance Cover – It pays for the ambulance services availed to shift the insured to the nearest hospital or from one hospital to another.
• Donor Expenses – It covers the in-patient hospitalization expenses of the donor for harvesting the donated organ for organ transplant of the insured.
• Domiciliary Expenses – It pays for the cost of availing medical treatment at home for more than 3 days in case a hospital transfer is not possible. It also covers pre & post-hospitalization expenses for up to 60 days and 180 days, respectively.
• Robotic and Cyber Knife Surgery – It covers the medical expenses incurred on obtaining robotic or cyber knife surgery.
• Modern and Advance Treatments – It pays for the medical expenses incurred on modern treatments, such as vaporization of the prostate, balloon sinuplasty, intra vitreal injections, etc.
• HIV/AIDS and STD Cover – It covers the in-patient hospitalization expenses incurred on the treatment of HIV AIDS and sexually transmitted diseases (STD).
• Mental Care Cover – It pays for in-patient hospitalization expenses resulting from mental illness, stress, depression, anxiety, etc.
• Global Hospitalization for Major Illness – It covers the cost of in-patient hospitalization and day care treatments obtained for 27 major illnesses outside India.
• Global Pre-Hospitalization Expenses – It pays for up to 60 days of medical expenses incurred before getting hospitalized outside India.
• Global Post-Hospitalization Expenses – It covers up to 180 days of medical expenses incurred after getting discharged from a hospital abroad.
• Global Ambulance Cover – It pays for the ambulance services availed outside India via road or air to move the insured to the hospital for the treatment of a major illness.
• Medical Evacuation – It covers the cost of arranging an emergency evacuation to the nearest healthcare facility in case of a medical emergency outside India.
• Medical Repatriation – It pays for the expenses incurred on the repatriation of the insured from outside India to the Indian residence or a hospital near the residence in case of a medical emergency.
• Repatriation of Mortal Remains – It covers the cost of transporting the mortal remains of the insured from outside India to their residence in India in case of death due to a major illness.
• Global Travel Vaccination – It pays for the WHO-approved vaccine expenses mandatorily required to visit a country abroad.
• Global Robotic and Cyber Knife Surgery – It covers the cost of undergoing a robotic and cyber knife surgery outside India for the treatment of a major illness.
• Global Modern and Advanced Treatments – It pays for the in-patient hospitalization and day care expenses incurred on availing modern treatments outside India.

Optional Cover:

Health+ Package:

• Air Ambulance Cover – It covers the cost of availing air ambulance services for the emergency transportation of the insured to the nearest hospital or from one hospital to another.
• Medical Devices and Non-Medical Items – It pays for the non-medical items, such as bandages, cotton, syringes, etc., used during hospitalization. It also covers the cost of renting or buying medical devices, such as ventilators, wheelchairs, nebulizers, etc., during or after hospitalization.
• Domestic Second Opinion – It covers the cost of obtaining a medical second opinion in India for a listed major illness from any doctor within the insurer’s network once a year.
• Convalescence Benefit – It pays a lump sum benefit of ₹50,000 for convalescence in case the insured is hospitalized for 10 days or more.
• Bariatric Surgery Cover – It covers the cost of in-patient hospitalization for bariatric surgery or its complications.
• Major Illness Hospi Cash – It pays a cash allowance of ₹2,500 per day for a maximum of 10 days per hospitalization in case the insured is hospitalized due to a listed major illness.
• Chemotherapy and Radiotherapy Cash – It provides a daily cash allowance of ₹2,500 per sitting of chemotherapy and radiotherapy for a maximum of 12 sittings per person in a policy year.
• Accidental Hospi Cash – It pays a hospital cash benefit of ₹2,500 per day for up to 10 days per hospitalization in case the insured is hospitalized due to an accident.
• Domestic Concierge Services – It provides assistance and support through concierge services once a policy year in case the insured is admitted to a hospital.
• Teleconsultations – It covers the cost of availing teleconsultations via phone call or chat from any doctor within the insurer’s network.

Women+ Package (Available for Females Aged 12 Years and Above):

• Breast Cancer Screening – It pays for the cost of undergoing a mammography screening for the detection of breast cancer once a year.
• Cervical Cancer Screening – It covers the charges of availing a pap smear or Papanicolaou for the diagnosis of cervical cancer once a year.
• Cervical Cancer Vaccination – It pays for the medical expenses incurred on obtaining cervical cancer vaccination.
• Ovarian Cancer Screening – It covers the cost of ultrasound and CA 125 for the detection of ovarian cancer once a year.
• Osteoporosis Screening – It pays for medical expenses incurred on a Dexa scan used to diagnose osteoporosis once a year.
• Gynaecological Consultations – It covers the cost of 15 gynaecological consultations obtained on an OPD basis.
• Psychiatric and Psychological Consultations – It pays for up to 5 psychiatric/psychological consultations and psychotherapy sessions obtained on an OPD basis.

Global+ Package:

• Global Hospi Cash – It pays a daily cash allowance of ₹25,000 to the insured for a maximum of 15 days per hospitalization abroad.
• Global Convalescence Benefit – It provides a lump sum amount of ₹10 lakh if the insured is hospitalized outside India for 15 days or more.
• Global Outpatient Expenses – It covers OPD expenses incurred outside India on doctor consultations, diagnostic tests and prescribed medicines, dressing & drugs.
• Global Chemotherapy and Radiotherapy Cash – It pays a daily cash allowance of ₹25,000 for a maximum of 12 chemotherapy or radiotherapy sittings availed outside India per person in a year.
• Travel Expenses Benefit – It covers the travel expenses incurred on availing treatment for a major illness outside India once in the lifetime of the policy.
• Global Second Opinion – It pays for the cost of availing a second opinion outside India for a major illness from the insurer’s network.

Deductible:

• Deductible – It allows policyholders to opt for a voluntary deductible of ₹5 lakh or ₹10 lakh that must be paid before raising a claim.

Waiver of Deductible:

• Waiver of Deductible – It waives off the deductible applicable on medical expenses incurred outside India, including hospitalization expenses, medical evacuation and repatriation, modern treatments, etc.

Exclusions of ManipalCigna Lifetime Health Plan

ManipalCigna Lifetime Health plan excludes the following:

• Maternity expenses
• Dietary supplements and substances
• Sterility and infertility
• Treatment for drug or alcohol addiction
• Cosmetic or plastic surgery
• Injuries due to participation in hazardous or adventure sports
• Unproven treatments
• Rest, sure and respite care
• External congenital defects

ManipalCigna Lifetime Health Plan Waiting Periods

Take a look at the waiting periods applicable to a ManipalCigna Lifetime Health plan:

ManipalCigna Lifetime Health Plan: FAQs