ManipalCigna Sarvah Param Plan

ManipalCigna Sarvah Param Plan

ManipalCigna Sarvah Param is the first in the industry to offer comprehensive medical coverage with zero waiting period under the Tatkal benefit. However, it does come with an option to activate the initial waiting period and the specific disease/procedure waiting period in the policy with the Pratiksha benefit. Besides, it doubles your coverage amount for the first claim every policy year with the Surplus benefit.

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This ManipalCigna health insurance policy provides a 100% cumulative bonus for up to 1000% of the sum insured, regardless of the claim history, with the Gullak benefit. It also restores the sum insured unlimited times a year for both related and unrelated illnesses. Moreover, the plan also offers lucrative benefits, such as annual health check-ups, personal accident cover, consumables cover, unlimited teleconsultations, etc.

ManipalCigna Sarvah Param Plan: Key Highlights

Benefits of ManipalCigna Sarvah Param Plan

Here are some of the ManipalCigna Sarvah Param plan benefits:

1. Zero Waiting Period

   The ManipalCigna Sarvah Param plan comes with zero waiting period for all claims with the Tatkal benefit. As a result, policyholders can file any pre-existing diseases (PED) or non-PED claims from day 1 of the policy.

2. 2x Coverage

   Policyholders can double their sum insured from day 1 of the policy for the first claim every year with the Surplus benefit. However, this benefit is available as an optional cover.

3. 10x Cumulative Bonus

   With the Gullak benefit, this health insurance policy enhances your coverage amount by 100% every year for up to 1000% of the base sum insured, irrespective of any claims filed in the previous policy year.

4. Unlimited Restoration of Sum Insured

   The ManipalCigna Health Insurance Company offers unlimited restoration of the sum insured for both related and unrelated diseases in case the base coverage amount has been exhausted before renewal.

5. Annual Health Check-ups

   Policyholders can avail preventive health check-ups on a cashless basis every year at any network health centre of the insurance company.

6. 20% Renewal Discount

   This mediclaim policy provides a discount of up to 20% on renewal premiums if the insured achieves a target of at least 10,000 steps every day for up to 240 days or more.

7. Unlimited Teleconsultations

   The insurance company enables the insured to obtain unlimited teleconsultations with general physicians in a policy year.

8. Discounts on Health Services

   Policyholders can obtain pharmacy, health supplements, and diagnostic services at a discount from any network provider of the insurance company.

9. Tax Benefits

   The ManipalCigna Sarvah Param plan premium is eligible for tax benefits under Section 80D, Income Tax Act.

ManipalCigna Sarvah Param Plan Eligibility Criteria

Check out the eligibility criteria to purchase a ManipalCigna Sarvah Param plan:

Inclusions of ManipalCigna Sarvah Param Plan

The following medical expenses are covered by the ManipalCigna Sarvah Param plan:

• In-patient Hospitalization – It pays for the healthcare expenses incurred on getting admitted to a hospital, including room charges, nursing fees, doctor's charges, operation theatre charges, etc.
• Mental Illness Treatment – It covers the hospitalization costs incurred during the treatment of a mental illness.
• HIV/AIDS and STD Cover – It pays for the cost of availing in-patient treatment for HIV/AIDS and sexually transmitted diseases (STD).
• Modern and Advanced Treatments – It covers the medical costs incurred on obtaining 12 modern treatments, including robotic surgeries, stem cell therapy, immunotherapy, oral chemotherapy, etc.
• Day Care Treatment – It pays for the cost of all day care treatments availed by the insured that do not require 24 hours of hospitalization.
• Road Ambulance Expenses – It covers the road ambulance charges incurred to transport the insured to the nearest hospital during an emergency.
• AYUSH Treatment – It pays for the day care procedures and in-patient hospitalization expenses incurred on obtaining AYUSH treatment through Homeopathy, Ayurveda, Unani, Yoga and Siddha systems of medicines.
• Pre-Hospitalization Medical Expenses – It covers the medical expenditures incurred for up to 90 days before getting admitted to a hospital.
• Post-Hospitalization Medical Expenses – It pays for the medical expenditures incurred for up to 180 days post-discharge from the hospital.
• Donor Expenses – It covers in-patient hospitalization expenses of the donor for harvesting the organ for the transplant surgery of the insured. It also pays for the donor screening costs, complications resulting from hospitalization, and pre and post-hospitalization expenses for up to 30 days each.
• Domiciliary Hospitalization – It pays for the medical expenses incurred on availing hospital-like treatment at home for at least 3 days, on the approval of the doctor. It also covers 30 days pre-hospitalization and post-hospitalization expenses incurred before and after domiciliary hospitalization.
• Unlimited Teleconsultations – It covers the cost of obtaining unlimited teleconsultations from general physicians under the network of the insurance company.

Optional Covers:

• Surplus Benefit – It doubles the policy sum insured from day 1 for the first health insurance claim every year.
• Pratiksha – It activates a 2-year specific disease/procedure waiting period and an initial waiting period of 30 days, which is not otherwise applicable to the policy.
• Personal Accident Cover – It pays 200% of the sum insured as compensation if an accident of the insured in a common carrier results in the death or permanent total disability of the insured.
• Temporary Total Disablement (TTD) – It provides a fixed amount for up to 100 weeks in case the insured meets with an accident leading to temporary total disability.
• Air Ambulance – It covers the cost of availing air ambulance services to transport the insured to and from a hospital during a medical emergency.
• Room Rent Modification – It enables the insured to modify the hospital room type from a single private AC room to a twin-sharing AC room or to any room.
• Non-Medical Items and Durable Medical Equipment – It pays for the cost of non-medical items, such as cotton, gloves, bandages, etc., used during in-patient hospitalization or day care treatment of the insured. It also covers durable medical equipment prescribed during hospitalization or within 30 days of getting discharged from the hospital.
• Voluntary Co-payment – It enables the policyholder to voluntarily opt for a co-payment of 10%, 20% or 30% on every claim.
• Deductible Option – It allows the policyholder to opt for a per day deductible on all claims or an aggregate deductible.

Exclusions of ManipalCigna Sarvah Param Plan

ManipalCigna Sarvah Param plan comes with the following exclusions:

• Maternity expenses
• OPD expenses
• Treatments obtained outside India
• Sterility and infertility
• Obesity and weight-control procedures
• Treatment for alcohol or drug addiction
• External congenital defects
• Treatment for injuries due to participation in hazardous or adventure sports
• Unproven treatments

ManipalCigna Sarvah Param Plan: FAQs