Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
ManipalCigna Critical Illness plan is a global plan that assures you financial support during critical times to ensure you get access to premium medical care. The critical illness policy also provides access to online wellness programs. With ManipalCigna Lifestyle Protection-Critical Care you are offered payment of the entire Sum Insured on the first diagnosis of 15 or 30 major illnesses along with the benefit of a medical second opinion and access to their online wellness program.
ManipalCigna Critical Illness Plan has two variants that policyholders can customize as per their needs and requirements. The two available variants are Critical Care - Basic Plan (Covers 15 Critical Illnesses) and Critical Care - Enhanced Plan (Covers 30 Critical Illnesses).
Manipal Cigna Health Insurance Plan Detailed Review
Minimum: 18 years
Adult: 65 Years
1/2/3 years
Individual/ Family Floater
1 L | 2 L | 3 L | 4 L | 5 L | 7 L | 10 L| 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 75 L | 1Cr | 2 Cr | 3 Cr | 25 Cr
90 Days*
*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.
With wide coverage options, Manipal Cigna Super Top Up Plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 1 L - 25 Cr
Room Rent
Not Available
ICU Charges
Not Available
Pre-Hospitalization
Not Covered
Post-Hospitalization
Not Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Not Available
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Not Covered
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Available for all listed critical illnesses
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under ManipalCigna Critical Care Plan?
Under ManipalCigna Critical Care Plan, the room rent is not covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ManipalCigna Critical Care Plan?
Under ManipalCigna Critical Care Plan, the ICU expense is not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna Critical Care Plan?
This plan does not cover medical expenses incurred during pre-hospitalization.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna Critical Care Plan?
This plan does not cover medical expenses incurred during post-hospitalization.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under ManipalCigna Critical Care Plan?
Under ManipalCigna Critical Care Plan, domiciliary hospitalizations are not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna Critical Care Plan?
This plan does not cover the expenses of daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna Critical Care Plan?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ManipalCigna Critical Care Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna Critical Care Plan?
The plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under ManipalCigna Critical Care Plan?
Not Available.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under ManipalCigna Critical Care Plan?
Not Available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under ManipalCigna Critical Care Plan?
Not Available.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under ManipalCigna Critical Care Plan?
Under the plan, Organ Donor expenses are covered up to the SI
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ManipalCigna Critical Care Plan?
Maternity is not covered in this plan.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under ManipalCigna Critical Care Plan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ManipalCigna Critical Care Plan?
Not covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under ManipalCigna Critical Care Plan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna Critical Care Plan?
Not Covered
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under ManipalCigna Critical Care Plan?
Not Covered
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under ManipalCigna Critical Care Plan?
Not Covered
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under ManipalCigna Critical Care Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna Critical Care Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under ManipalCigna Critical Care Plan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under ManipalCigna Critical Care Plan?
The plan does not cover Health check-ups..
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under ManipalCigna Critical Care Plan?
The plan covers the expenses for Second Medical Opinion for all the listed critical illnesses.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under ManipalCigna Critical Care Plan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Manipal Cigna Super Top Up Plan?
Not Applicable
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Manipal Cigna Super Top Up Plan?
No sub-limits are available.
Permanent diseases or health conditions that are not included under Manipal Cigna Super Top-up plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Miscarriage, and abortion
AIDS
Congenital disease
Infertility and in vitro fertilization
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.
SI Options | 15 Lakhs | 25 Lakhs | 50 Lakhs | 1 Crore |
Premium Payable | 4,088 | 6,814 | 13,629 | 35,872 |
SI Options | 15 Lakhs | 25 Lakhs | 50 Lakhs | 1 Crore |
Premium Payable | 7,416 | 12,360 | 37,052 | 54,988 |
Earn rewards by staying fit
Get tax relief under section 80D
Avail Family and Long-Term Discounts
The plan offers customized health and wellness programs. It includes programs like Health Risk Assessment, Lifestyle Management, Nutrition, and Access to Health Articles.
TAmount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:
Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Individual/Family Plan
This is a tailor-made health insurance plan covering 36 listed critical illnesses and provides worldwide emergency hospitalization services.
Unique Features
Individual/Family Plan
This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.
Unique Features
Comprehensive Plan
The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.
Unique Features
Comprehensive Plan
This plan is exclusively designed to cater to quality healthcare services covering worldwide OPD treatment and is available on an individual, multi-individual & family floater basis.
Unique Features
Comprehensive Plan
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
Unique Features
Comprehensive Plan
Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.
Unique Features
Comprehensive Plan
A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.
Unique Features
Comprehensive Plan
A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.
Unique Features
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Plan
Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.
Unique Features
Affordable Plan
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Plan
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
Affordable Plan
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
Accident Plan
A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.
Unique Features
Group Plan
An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.
Unique Features
Group Plan
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Group Plan
Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.
Unique Features
Group Plan
A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.
Unique Features
Manipal Signa Health Insurance Network hospitals are present in 30 states across the country. With a wide network of hospitals, Manipal Signa Health Insurance ensures that you are medically protected, no matter which city you live in.
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