ManipalCigna Sarvah Uttam Plan

ManipalCigna Sarvah Uttam Plan

ManipalCigna Sarvah Uttam is a comprehensive health insurance plan that provides infinite coverage for cancer, heart diseases, stroke, and bone marrow/organ transplants with the Anant benefit. It doubles the sum insured for the first claim of the policy every year with the Surplus Benefit. Moreover, it guarantees a 10x cumulative bonus that enhances your sum insured by 100% every year with the Gullak benefit.

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This ManipalCigna health insurance policy covers pre-existing diabetes, obesity, asthma, hypertension, and dyslipidemia from the 31st day of the policy commencement with the Sarathi benefit. It also provides unlimited restoration of the sum insured for related and unrelated illnesses in a policy year. Additionally, it comes with attractive benefits, like maternity benefit, personal accident cover, annual health check-ups, unlimited teleconsultations, etc.

ManipalCigna Sarvah Uttam Plan: Key Highlights

Benefits of ManipalCigna Sarvah Uttam Plan

Check out the ManipalCigna Sarvah Uttam plan benefits:

1. Infinite Coverage for Listed Conditions

   With the Anant benefit, this health insurance plan provides unlimited medical coverage for hospitalization expenses incurred on the treatment of cancer, stroke, heart diseases and organ/bone marrow transplants. However, this benefit is available as an optional cover and for a sum insured of ₹10 lakh and above.

2. Double Coverage

   The ManipalCigna Health Insurance Company doubles the sum insured for the first claim every year from day 1 of the policy with the Surplus benefit. However, this benefit is available as an optional cover.

3. PED Coverage from Day 30

   This medical insurance plan covers listed pre-existing diseases (PED), including hypertension, obesity, diabetes, asthma and dyslipidemia, from day 30 of the policy on opting for the Sarathi benefit. However, this benefit is available as an optional cover.

4. 10x Guaranteed Cumulative Bonus

   With the Gullak benefit, policyholders can get a 100% cumulative bonus every year for up to 1000% of the sum insured, irrespective of the claims filed in the previous year. However, this benefit is available as an optional cover.

5. Unlimited Restoration of Sum Insured

   The insurance company provides unlimited restoration of the sum insured in a policy year for related and unrelated illnesses if the base coverage amount has been exhausted before renewal. However, this benefit is available as an optional cover.

6. Annual Health Check-ups

   This ManipalCigna Health Insurance Company offers preventive health check-ups every year on a cashless basis at any of its network providers. However, this benefit is available as an optional cover.

7. 20% Discount on Premiums

   Under the Wellness benefit, policyholders can earn a renewal premium discount of up to 20% if the insured completes 10,000 steps or more for at least 240 days a year.

8. Unlimited Teleconsultations

   The insurance company allows the insured to avail unlimited teleconsultations with general physicians during the policy year.

9. Discount from Network Providers

   With this mediclaim policy, the policyholder can earn discounts on diagnostic services, pharmacy, and health supplements obtained through a network provider of the insurer.

10. Tax Benefits

    Policyholders can earn tax deductions on the premium paid to buy a ManipalCigna Sarvah Uttam plan under Section 80D of the Income Tax Act.

ManipalCigna Sarvah Uttam Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a ManipalCigna Sarvah Uttam plan:

Inclusions of ManipalCigna Sarvah Uttam Plan

ManipalCigna Sarvah Uttam plan comes with the following inclusions:

• In-patient Hospitalization – It covers the cost of getting hospitalized for at least 24 hours, including room rent, doctor's fees, nursing fees, etc.
• Modern and Advanced Treatments – It pays for the modern treatments obtained by the insured, including oral chemotherapy, deep brain stimulation, etc.
• HIV/AIDS and STD Cover – It covers the hospitalization expenses incurred on the treatment of HIV/AIDS and STDs.
• Mental Illness Treatment – It pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses.
• Day Care Treatments – It covers the medical expenses incurred on all day care procedures, requiring less than 24 hours of hospitalization.
• Pre-Hospitalization Medical Expenses – It pays for the healthcare costs incurred for up to 90 days before hospitalization.
• Post-Hospitalization Medical Expenses – It covers the healthcare costs incurred for up to 180 days after getting discharged from the hospital.
• Domiciliary Hospitalization – It pays for the medical expenses incurred on obtaining hospital-like treatment at home on the advice of the doctor. It also covers pre and post-hospitalization expenses for up to 30 days before and after domiciliary hospitalization.
• Road Ambulance – It covers the cost of road ambulance services availed to transport the insured to and from a hospital.
• Donor Expenses – It pays for the hospitalization expenses of the donor for harvesting the organ for the insured's transplant surgery. It also pays for the donor screening, any complications and pre & post-hospitalization expenses of the donor for up to 30 days before & after hospital admission.
• AYUSH Treatment – It covers the cost of obtaining AYUSH treatment through Ayurveda, Homeopathy, Siddha, Unani and Yoga.
• Tele-Consultations – It pays for the cost of availing unlimited teleconsultations with general physicians.

Optional Covers:

• Personal Accident Cover – It provides compensation of 200% of the sum insured in case the insured dies or suffers from permanent total disability due to an accident of a common carrier.
• Temporary Total Disablement – It pays a fixed weekly benefit to the insured for a maximum of 100 weeks if an accident results in temporary total disablement. However, this benefit is available only if the personal accident cover has been opted for.
• Health Check-up – It covers the cost of annual health check-ups obtained at any network service provider of the insurance company.
• Air Ambulance – It pays for the healthcare costs of obtaining air ambulance services for up to ₹10 lakh.
• Restoration of Sum Insured – It restores the sum insured amount unlimited times in a policy year for related and unrelated illnesses in case the base coverage amount is exhausted.
• Gullak – It guarantees increasing the coverage amount by 100% every year for up to 1000% of the sum insured regardless of the claims raised in the previous policy year.
• Maternity & Newborn Hospitalization Expenses – It pays for the maternity expenses incurred on childbirth and medically necessary termination of pregnancy for up to 20% of the sum insured or up to ₹5 lakh. It also pays for the hospitalization and first-year vaccinations of the newborn baby.
• Sarathi – It reduces the waiting period for pre-existing asthma, hypertension, diabetes, dyslipidemia and obesity from 3 years to 30 days.
• Room Rent Modification – It allows policyholders to modify the hospital room category from a single private AC room to any room or twin-sharing AC room.
• Surplus Benefit – It increases the sum insured by 100% from day 1 of the policy for the first health insurance claim every year.
• Anant – It pays for the in-patient treatment, day care treatment and AYUSH treatment expenses incurred on the treatment of cancer, heart diseases, stroke and major organ/bone marrow transplant without any sum insured limit. However, this benefit is available only with a sum insured of ₹10 lakh or more.
• Deductible Option – It enables the policyholder to opt for an aggregate deductible or a per day deductible.
• Voluntary Co-payment – It allows the policyholder to opt for a voluntary co-payment of 10%, 20% or 30% on every claim.
• Non-Medical Items and Durable Medical Equipment – It covers the cost of consumables incurred during hospitalization, domiciliary hospitalization or day care treatment. It also pays for listed durable medical equipment prescribed during hospitalization or within 30 days of discharge from the hospital.

Exclusions of ManipalCigna Sarvah Uttam Plan

The ManipalCigna Sarvah Uttam plan excludes the following medical expenses:

• Dental treatment
• Obesity and weight-control treatment
• Sterility and infertility
• Injuries due to participation in adventure or hazardous sports
• Treatment taken outside India
• Cosmetic or plastic surgery
• Unproven treatment
• External congenital anomaly

ManipalCigna Sarvah Uttam Plan Waiting Periods

Check out the waiting period applicable to the ManipalCigna Sarvah Uttam plan:

ManipalCigna Sarvah Uttam Plan: FAQs