About 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.
ManipalCigna Sarvah Uttam Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹3 crore |
| Pre-Policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 10% long-term policy discount 10% family discount 5% website discount 5% first policy renewal discount 2.5% early renewal discount 2.5% standing instruction discount |
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Key Benefits of ManipalCigna Sarvah Uttam Plan
ManipalCigna Sarvah Uttam Plan Inclusions, Exclusions & Optional Covers
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In-patient HospitalizationIt covers the cost of getting hospitalized for at least 24 hours, including room rent, doctor's fees, nursing fees, etc.
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Modern and Advanced TreatmentsIt pays for the modern treatments obtained by the insured, including oral chemotherapy, deep brain stimulation, etc.
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HIV/AIDS and STD CoverIt covers the hospitalization expenses incurred on the treatment of HIV/AIDS and STDs.
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Mental Illness TreatmentIt pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses.
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Day Care TreatmentsIt covers the medical expenses incurred on all day care procedures, requiring less than 24 hours of hospitalization.
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Pre-Hospitalization Medical ExpensesIt pays for the healthcare costs incurred for up to 90 days before hospitalization.
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Dental treatment
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Obesity and weight-control treatment
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Sterility and infertility
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Injuries due to participation in adventure or hazardous sports
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Treatment taken outside India
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Cosmetic or plastic surgery
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Personal Accident CoverIt 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.
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Temporary Total DisablementIt 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.
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Health Check-upIt covers the cost of annual health check-ups obtained at any network service provider of the insurance company.
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Air AmbulanceIt pays for the healthcare costs of obtaining air ambulance services for up to ₹10 lakh.
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Restoration of Sum InsuredIt restores the sum insured amount unlimited times in a policy year for related and unrelated illnesses in case the base coverage amount is exhausted.
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GullakIt 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.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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ManipalCigna Sarvah Uttam Plan: FAQs
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Q1. How can I check the ManipalCigna Sarvah Uttam plan price?
Ans: You can check the ManipalCigna Sarvah Uttam plan price by checking its premium chart, which is available on the website of the insurer. You can also contact the insurer’s customer care team to know the price of the policy. Alternatively, you can use a ManipalCigna health insurance premium calculator on Policybazaar.com to determine its estimated cost.
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Q2. Is there any zone-based co-payment under the ManipalCigna Sarvah Uttam plan?
Ans: No. There is no zone-based co-payment under the ManipalCigna Sarvah Uttam plan. However, you can opt for a voluntary co-payment of 10%, 20% or 30% on every claim.
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Q3. Can a man opt for maternity benefit under the ManipalCigna Sarvah Uttam plan?
Ans: Yes. A man can opt for the maternity benefit under the ManipalCigna Sarvah Uttam plan but can raise a claim only after his wife is added as an insured member to the policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
ManipalCigna offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ManipalCigna
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ManipalCigna for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ManipalCigna policy
- The network hospital will send the hospital bill to ManipalCigna.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
