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ManipalCigna Health Insurance ManipalCigna Health Insurance ★ 4.4

ManipalCigna Arogya Sanjeevani Plan

The standard comprehensive health insurance plan mandated by IRDAI, th ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
77+
Pan India presence
98%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 15,000+ hospitals
📊 1.76 solvency ratio
✅ 98% claim settlement

About ManipalCigna Arogya Sanjeevani Plan

A quick read on what this ManipalCigna Health Insurance plan covers and why it might be a fit for you.

Protect your family with the ManipalCigna Arogya Sanjeevani Policy!

The ManipalCigna Arogya Sanjeevani Policy is a standard health insurance plan that offers an all-round solution for your family's healthcare requirements. You can buy this plan on an individual or a family floater basis, covering a maximum of 2 adults and up to 3 children under a single policy. You can cover the following members:

  • Self
  • Legally wedded spouse
  • Dependent sons and daughters
  • Parents
  • Parents-in-law

Additionally, this policy offers lifelong renewability, ensuring protection against all odds throughout your life. It covers accidental injuries, illnesses requiring treatment or hospitalization, daycare procedures, and more.

For more information on the ManipalCigna Arogya Sanjeevani Policy, including eligibility criteria, specifications, and exclusions, refer to this guide.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 3 Months - 25 Years, Adults: 18 - 65 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • <ul> <li>Room rent covered</li> <li>ICU charges covered</li> <li>Pre-hospitalisation expenses covered</li> <li>Daycare treatment covered</li> </ul>

Cons

  • <ul> <li>Breach of law</li> <li>Hazardous or adventure sports</li> <li>Contamination from nuclear fuel/radiation</li> <li>Unproven treatments</li> </ul>

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Pre-existing diseases (PEDs) or disabilities arising from them
  • Suicide or attempted suicide
  • Intentional self-injury
  • Breach of law
  • Hazardous activities or life-threatening sports
  • Beautification or plastic surgeries (unless required due to accident or injury)
  • Alcoholism or drug abuse
  • Foreign invasion or civil war
  • Treatment or consequences due to alcoholism or drug abuse
  • Dietary supplements
  • Refractive error
  • Birth control, sterility, and infertility treatments

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 18 Years
  • Maximum Entry Age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to INR 10 Lakh

Other features & benefits

Key Features

ManipalCigna Arogya Sanjeevani is a comprehensive health insurance policy that covers the basic healthcare needs of the insured and their family members. Mandated by IRDAI, the Arogya Sanjeevani Policy ensures basic health insurance coverage for every individual.

If you are looking for an affordable health insurance option, the ManipalCigna Arogya Sanjeevani Policy is an ideal choice. For quotations or to resolve queries, call us at 1800 4200 269.

ManipalCigna Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about ManipalCigna Arogya Sanjeevani Plan, answered.

It’s a comprehensive health insurance policy designed by IRDAI that provides healthcare services to you and your family at an affordable premium.
Anyone who is between 18 to 65 years of age can buy the ManipalCigna Arogya Sanjeevani policy. Children between 91 days to 25 years can be included in the family floater option.
Yes, you can avail of the tax benefits under Section 80D of the Income Tax Act, 1961.
Yes, a child/children can be covered under a family floater policy if their age is between 91 days (3 months) to 25 years.
No matter where you live across India, the premiums for this policy will remain the same everywhere.

Conclusion

A standard, affordable health insurance plan offering essential hospitalization coverage, including

Explore ManipalCigna Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Nirala — Health & Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 30 Jan 2025 · Originally published: 30 Jan 2025

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