To cater to the health needs of every individual, Manipal Cigna offers 15 health plans that are specially designed to fit your different needs and requirements. Here is a list of all the 15 plans offered by the company that will help you narrow down your selection.
-
ManipalCigna ProHealth Insurance
ManipalCigna ProHealth Insurance is designed to offer health coverage for expenses arising out of hospitalization. It offers multiple benefits to individuals and their families through its basic, value-added, and optional covers. With a coverage of Rs. 1 Crore, the plan ensures to look after your every healthcare need.
Eligibility Criteria:
| Minimum Entry Age | Child - 91 days, Adult - 18 years |
| Maximum Entry Age | No limit |
| Sum Insured | Rs. 2.5 Lakhs-1 Crore |
| Policy Tenure | 1, 2 & 3 years |
**Last Updated on August, 2021
Features:
- The plan comes in 5 variants that are ProHealth Protect, ProHealth Accumulate, ProHealth Plus, ProHealth Preferred, and ProHealth Premier. These variants are designed to fulfill every need of the policyholder.
- The plan provides basic coverage for hospitalization charges (including pre and post-admission charges), daycare treatment, treatment taken at home, ambulance expenses, donor expenses, and worldwide emergency cover for treatments undertaken abroad.
- The plan provides health reward points that can be redeemed during policy renewal. Also, policyholders can undergo health checkups and take expert opinions on critical illnesses.
-
Manipal Cigna LifeTime Health
Manipal Cigna LifeTime Health Insurance plan is comprehensive coverage that offers coverage to you and your family in India and abroad. The plan lets the policyholder customize the plan as per the changing life stages with optional packages such as Global+ (Global OPD & more), Women+ (specialized package for women), and Health+ (coverage enhancement).
Eligibility Criteria:
| Minimum Entry Age | Child - 91 days, Adult - 18 years |
| Maximum Entry Age | Child - 25 years (in a family floater policy), Adult - 65 years |
| Sum Insured | Rs. 50 Lakhs to Rs. 3 Crore |
| Policy Tenure | 1, 2 & 3 years |
**Last Updated on August, 2021
Features:
- To let you avail the most from your health insurance plan, the plan offers2 variants and let them choose from LifeTime Health India Plan & LifeTime Global Plan.
- The plan offers coverage to the insured for treatment of up to 27 listed major illnesses.
- One can avail several discounts such as Long Term Discount if the policy is brought together of 2 or 3 years, family discount for covering 2 or more family members and Online Renewal Discount:
-
ManipalCigna ProHealth Select
ManipalCigna ProHealth Select lets you customize your health plan from the two variants as per your needs and requirements. The plan also comes with the benefit of lifetime renewability.
Eligibility Criteria:
| Minimum Entry Age | Children: 91 days
Adults: 18 years |
| Maximum Entry Age | No Limit |
| Sum Insured | Rs.50 Thousand to Rs.25 Lakhs |
| Policy Terms | 1, 2, or 3 years |
**Last Updated on August, 2021
Features:
- Under reassurance benefit, if the policyholder is a victim of critical illness or permanent total disability, the policy can be extended up to 2 years without paying any additional premium.
- The plan provides basic cover for hospitalization expenses, daycare treatment, and donor expenses. It also provides value-added options such as a cumulative bonus of 5% and healthy reward points that can be redeemed.
- If the sum insured is not enough, that plan will restore 100% of the SI once in a policy year.
-
ManipalCigna Super Top-up
ManipalCigna Super Top-up is a plan that provides additional coverage at an affordable premium amount. The plan comes with two variants that are: Super Top-up Plus and Super Top-up Select.
Eligibility Criteria:
| Minimum Entry Age | Child - 91 days, Adult - 18 years |
| Maximum Entry Age | Child: 23 years (family floater policy)
Adult: No limit |
| Sum Insured | Rs. 1 Lakhs to Rs. 30 Lakhs |
| Policy Period | 1, 2 and 3 years |
**Last Updated on August, 2021
Features:
- The plan covers expenses such as in-patient hospitalization, pre and post-admission charges, alternative treatment expenses, ambulance cover, donor expenses, etc.
- The plan comes with a rider option of Critical Illness add-on rider that offers coverage against 11 Critical Illnesses
- A family discount of 10% for covering 2 members of a family and a long-term discount of 7.5% for opting for a 2-year policy is provided.
-
ManipalCigna Arogya Sanjeevani Policy
ManipalCigna Arogya Sanjeevani Policy secures you and your family's health and offers coverage against all the listed modern treatments & procedures.
Eligibility Criteria:
| Minimum Entry Age | Child - 91 days, Adult - 18 years |
| Maximum Entry Age | Child: 25 years (family floater policy)
Adult: 65 years |
| Policy Period | 1 year |
| Sum Insured | Up to Rs.5 Lakhs |
**Last Updated on August, 2021
Features:
- Under this policy, a policyholder will be eligible to get coverage against non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy (up to the limit of sum insured).
- The plan offers an increase in the sum insured through a cumulative bonus option in case no claims are made during the policy year.
- The plan also offers a discount of 15% when 2 or more family members are covered under a single individual policy.
-
ManipalCigna Lifestyle Protection- Accident Care
ManipalCigna Lifestyle Protection policy is designed to offer financial support to the policyholder and his family by providing complete protection, on and off the job, including death, disability, loss of job and financial protection. The plan comes in three variants: Basic Cover, Enhanced Cover, and Comprehensive Cover
Eligibility Criteria:
| Minimum Entry Age | For Adults: 18 years
For Child: 5 years |
| Maximum Entry Age | For Adults: 80 years, For Child: 25 years |
| Policy Period | 1/2/3 years |
| Sum Insured | Rs.50,000 - Rs. 10 Crores |
**Last Updated on August, 2021
Features:
- The plan protects with a choice of optional covers in an unfortunate event of death or disability due to an accident. The optional covers available are: Temporary Total Disablement, Burns Benefit, Broken Bones Benefit, and Coma Benefit
- The plan pays an amount equal to the Sum Insured towards the dependant child as an orphan benefit.
- One can avail of a family discount of 10% if more than two members are covered under the same policy
-
ManipalCigna Saral Suraksha Bima
Saral Suraksha Bima by ManipalCigna offers a sense of security against unexpected expenses arising from death or serious injury caused by an accident.
Eligibility Criteria:
| Minimum Entry Age | For Adults: 18 years
For Child: 3 months |
| Maximum Entry Age | For Adults: 70 years
For Child: 25 years |
| Policy Period | 1 year |
| Sum Insured | Rs.2.5 Lakhs - Rs. 1Crore |
**Last Updated on August, 2021
Features:
- In order to offer you maximum coverage, the plan offers 3 optional covers to choose from. The optional covers available are Temporary Total Disablement, Hospitalisation Expenses due to Accident, and Education Grant.
- For every claim-free year, the plan offers a cumulative bonus of 5% of the SI, a maximum of up to 50%.
- One can avail of several discounts under this plan such as Family discount, Worksite discount, and Online Renewal discount
-
ManipalCigna ProHealth Cash
The ManipalCigna ProHealth Cash plan provides a fixed amount of daily cash to cover medical expenses that are not included under the standard health insurance. The plan looks after the miscellaneous expenses other than hospitalization.
Eligibility Criteria:
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 65 years |
| Cash benefit range | Rs. 500 - Rs. 5000 |
| Policy Period | 1, 2, or 3 years |
**Last Updated on August, 2021
Features:
- The plan offers two variants with the following benefits:
Basic Plan:
1. Sickness hospital cash benefit
2. Accident hospital cash benefit (2 times the daily cash benefit)
3. ICU cash benefit (3 times the daily cash benefit)
4. Worldwide cover (3 times the daily cash benefit)
Enhanced Plan:
1. All benefits of Plan A
2. Convalescence Benefit (5 times the daily cash benefit)
3. Companion Benefit (50% of the daily cash benefit)
4. Compassionate Benefit (10 times the daily cash benefit)
- Apart from the cash benefits, the policy also provides Accidental death and permanent total disability benefits ranging from Rs. 50,000 to 25 Lacs.
- If the medical history is clear, no medical tests are necessary for individuals up to 55 years of age.
-
ManipalCigna Lifestyle Protection- Critical Care
ManipalCigna Lifestyle Protection policy - Critical Care is designed to offer financial support to the policyholder and his family if the insured is diagnosed with any of the listed critical illness. The plan offers the entire payment of the sum insured on the first diagnosis of the listed illness. The plan offers two variants that offer coverage to different illnesses.
| Critical Care - Basic Plan (Covers 15 Critical Illnesses) | Critical Care - Enhanced Plan (Covers 30 Critical Illnesses) |
- Cancer of Specified Severity
- Myocardial Infarction (First Heart Attack - of Specific Severity)
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Coma of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Stroke Resulting in Permanent Symptoms
- Major Organ / Bone Marrow Transplant
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- Primary (Idiopathic) Pulmonary Hypertension
- Aorta Graft Surgery
- Deafness
- Loss of Sight
| - All of Basic Plan
- Coronary Artery Disease
- Aplastic Anaemia
- End-Stage Lung Failure
- End-Stage Liver Failure
- Third Degree Burns
- Fulminant Hepatitis
- Alzheimer's Disease
- Bacterial Meningitis
- Benign Brain Tumor
- Apallic Syndrome
- Parkinson's Disease
- Medullary Cystic Disease
- Muscular Dystrophy
- Loss of Speech
- Systemic Lupus Erythematous
|
**Last Updated on August, 2021
Eligibility Criteria:
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 65 years |
| Policy Period | 1/2/3 years |
| Sum Insured | Rs 1 Lakhs to Rs. 25 Crore |
**Last Updated on August, 2021
Features:
- The plan allows the policyholder to get protected up to 10 times of their gainful annual income.
- With this plan, one can access online wellness programs
-
ManipalCigna ProHealth Group Insurance Policy
ManipalCigna ProHealth Group Insurance Policy is designed to provide complete health coverage to corporates, groups, associations, and employees. It covers the expenses arising out of hospitalization and provides a range of options that can be customized based on the group's needs.
Eligibility Criteria:
| Age Limit | No Age bar |
| Minimum number of members | 7 |
| Sum assured | Up to Rs.1 crore |
**Last Updated on August, 2021
Features:
- The plan offers a base cover that provides cover for all hospitalization expenses such as daycare expenses, pre, and post-admission expenses, road ambulance cover, domiciliary hospitalization, and donor expenses in case of organ transplants.
- The policy provides cover on an individual and family floater basis.
- Newborn babies are also covered from birth if any one of the parents is covered.
-
ManipalCigna Global Health Group Policy
ManipalCigna Global Health Group Policy is designed for companies that are looking to cover their employees and their families against medical expenses and offer global care for overall treatment. The plan offers a choice of base and multiple optional covers.
Eligibility Criteria:
| Age Limit | Adults: 18 years-95 years |
| Minimum number of members | 7 |
| Policy Period | 1 year |
| Sum assured | Up to $10 Million |
**Last Updated on August, 2021
Features:
- The plan offers wellness packages for living a healthy lifestyle.
- You can grab multiple options like co-pay, deductible, etc. for cost-effective plans.
- The other benefits of the plan include vision cover, newborn cover, cancer cover, etc.
-
ManipalCigna Group Overseas Travel Insurance Policy
ManipalCigna Group Overseas Travel Insurance provides cover for medical expenses incurred while traveling abroad during a family/business trip. It is designed for groups, associations, corporates, etc.
Eligibility Criteria:
| Age Limit | 0 days-95 years |
| Minimum number of members | 7 |
| Policy Period | 1 year |
**Last Updated on August, 2021
Features:
The plan provides the following benefits grouped under three structures:
- The benefit I: Medical expenses arising out of hospitalization due to injury or illness, like in-patient expenses, ICU charges, surgeon fees, specialist fees, diagnostic tests, etc.
- Benefit II: This option covers expenses arising out of travel inconvenience due to trip cancellation and interruption, like ticket booking cancellation due to bad weather, flight delays, VISA cancellation, etc.
- Benefit III: The option provides cover against accidental death, permanent, partial, and temporary disability due to accident.
Apart from the above covers, the policyholder also gets optional benefits such as cover for a life-threatening pre-existing disease, OPD expenses, emergency medical check-up, repatriation of mortal remains, dental treatment, daily allowance, maternity benefits, etc.
-
ManipalCigna FlexiCare Group Insurance
ManipalCigna FlexiCare Group Insurance offers flexibility to the policyholders and allows them to design a standard base cover for adequate protection.
Eligibility Criteria:
| Age Limit | No age Bar |
| Minimum number of members | 7 |
| Policy Period | 1 year |
| Sum Insured | Up to Rs.5 Crore |
**Last Updated on August, 2021
Features:
- The plan offers coverage against a wide range of ailments, perils, events, risks under different segments including accident, mediclaim, surgery, domestic travel, and wellness.
- The plan also provides access to health and wellness programs that provide expert guidance on health-related matters.
- The plan offers a choice of pay-out options like daily cash, indemnity, etc.
-
Corona Rakshak Policy, ManipalCigna
Corona Rakshak Policy is designed to provide lump-sum benefit (equal to 100% of the SI) on a positive diagnosis of COVID-19 (at a government-authorized diagnostic center). The insured should be hospitalized for a minimum continuous period of 72 hours to avail of coverage.
Eligibility Criteria:
| Age Limit | For Adults: 18 years-65 years |
| Policy Period | 3.5 months, 6.5 months, and 9.5 months |
| Sum Insured | Rs.50,000-2,50,000 |
**Last Updated on August, 2021
Features:
- The policy can be availed on an individual basis and its premium should be paid in advance for a full policy period.
- The plan offers all India coverage.
-
Corona Kavach Policy, ManipalCigna
Corona Kavach Policy is designed to cover COVID-19 related hospitalization/home care treatment expenses. The policy comes with a waiting period of 15 days.
Eligibility Criteria:
| Age Limit | For Adults: 18 years-65 years |
| Policy Period | 3.5 months, 6.5 months, and 9.5 months |
| Sum Insured | Rs.50,000 - 5,00,000 |
**Last Updated on August, 2021
Features:
- The policy provides coverage against pre and post-hospitalization, road ambulance charges (Rs.2000/hospitalization), and AYUSH treatment with an option of hospital daily cash.
- The policy offers a 5% discount on the premium to health care workers.
very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.