ManipalCigna Health Insurance Waiting Period

ManipalCigna Health Insurance Waiting Period

ManipalCigna health insurance waiting period refers to the time period that policyholders need to wait to file a claim under their ManipalCigna health insurance policy. It is different for various diseases & medical conditions and may vary from one plan to another. However, policyholders do not need to serve any waiting period to file an accidental claim with the insurance company.

Types of ManipalCigna Health Insurance Waiting Period

Here are the various types of waiting period applicable to ManipalCigna health insurance plans:

1. ManipalCigna Health Insurance Pre-existing Disease Waiting Period

   This type of waiting period must be served to claim the treatment cost of pre-existing diseases (PED), such as diabetes, heart ailments, high BP, etc.

2. ManipalCigna Health Insurance Specific Disease/Procedure Waiting Period

   Policyholders should serve this waiting period to file a claim for specific diseases/procedures, such as cataract, knee replacement surgery, varicose veins, PCOD, etc.

3. ManipalCigna Health Insurance Initial Waiting Period

   This waiting period needs to be served to file a health insurance claim for non-accidental injuries of the insured.

4. ManipalCigna Health Insurance Maternity Waiting Period

   The insured woman must serve this waiting period to claim the medical expenses resulting from pregnancy, childbirth and newborn baby treatments under a maternity insurance policy.

5. ManipalCigna Health Insurance Critical Illness Waiting Period

   This waiting period should be served to file a claim under the critical illness insurance policy to pay for the treatment of covered critical illnesses.

6. ManipalCigna Health Insurance Mental Illness Waiting Period

   The insured needs to serve this waiting period to claim the cost of treating mental illnesses, such as schizophrenia, bipolar disorder, etc.

7. ManipalCigna Health Insurance Bariatric Surgery Waiting Period

   This type of waiting period must be served to claim the medical expenses incurred on bariatric surgery.

8. ManipalCigna Health Insurance Infertility Treatment Waiting Period

   Policyholders should serve this waiting period to file a claim for the medical expenses incurred on infertility treatment.

9. ManipalCigna Health Insurance HIV/AIDS Waiting Period

   This type of waiting period needs to be served to claim the treatment cost of HIV AIDS.

10. ManipalCigna Health Insurance Heart Valve Replacement Surgery Waiting Period

    Policyholders must serve this waiting period to claim the cost of undergoing a heart valve replacement surgery.

11. ManipalCigna Health Insurance Disability Cover Waiting Period

    This waiting period should be served to file a claim to pay for the treatment of a pre-existing disability of the insured.

12. ManipalCigna Health Insurance Personal Waiting Period

    The insured needs to serve this waiting period to claim the medical expenses incurred on the treatment of certain diseases that are otherwise excluded by the insurer.

List of ManipalCigna Health Insurance Waiting Period

Take a look at the waiting periods that apply to health insurance plans offered by the ManipalCigna Health Insurance Company:

Note: The ManipalCigna health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the ManipalCigna Health Insurance Waiting Period?

Yes. The waiting period for specific pre-existing conditions, including diabetes, hypertension, asthma, obesity and dyslipidemia, can be reduced to 30 days with the Sarathi benefit under Sarvah Uttam and Sarvah Pratham plans. Similarly, the pre-existing disease waiting period can be reduced to 90 days under the ManipalCigna Prime Senior plan or 2 years under the ManipalCigna Super Top Up plan with the Reduction in PED Waiting Period benefit.

However, these benefits can be availed only on the payment of an extra premium.

Things to Remember About ManipalCigna Health Insurance Waiting Period

Check out the things to remember about the ManipalCigna health insurance waiting period:

• Any illness or medical condition diagnosed after buying the ManipalCigna health insurance policy is not considered a pre-existing condition.
• No waiting period needs to be served to file an accidental claim with the ManipalCigna Health Insurance Company.
• In some mediclaim policies, the waiting period for pre-existing diseases can be reduced by paying an additional premium.
• Policyholders must serve the waiting period and the survival period to file a claim under a critical illness insurance policy.

ManipalCigna Health Insurance Waiting Period: FAQs