Network hospitals
8500+
Incurred claim ratio
99.96%
Sum insured
Up to 3 Cr
No. of Plans
1
Solvency Ratio
1.5
Pan India Presence
77+
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also 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).
To understand Critical Care Plan Insurance in detail, take a look at the below table:
18 to 65 years
Individual and Family Health Insurance
1 L | 5 L | 10 L | 25 L | 50L | 1 Cr | 3 Cr | 5 Cr | 25 Cr
90 Days
Lifelong
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.
Read more specifications in the brochure.
With wide coverage options available, Critical Care Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Not Covered
ICU Charges
Not Covered
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 Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Manipal Cigna Health Insurance Plan Detailed Review
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.
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 |
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 cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ManipalCigna Health Insurance plans explore more:
Individual and Family Health Insurance
ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...
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Individual and Family Health Insurance
The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...
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Senior Citizen Health Insurance
We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...
Unique Features
Individual and Family Health Insurance
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...
Unique Features
Individual and Family Health Insurance
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi. But have you ever imagined why Indians don't prio...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...
Unique Features
Individual and Family Health Insurance
Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...
Unique Features
Group Health Insurance
ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...
Unique Features
Individual and Family Health Insurance
'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new SARVAH plan talks about. With this plan, ManipalCig...
Unique Features
It covers healthcare and treatment expenses related to upto 30 critical illnesses.
The Basic cover provides upto 15 critical illness benefits and the Enhanced cover has upto 30 listed critical illnesses.
The initial waiting period for the ManipalCigna Critical illness plan is 90 days.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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