Giving birth to a single child in India costs somewhere INR ...Read More
Giving birth to a single child in India costs somewhere INR 20,000 to 2 Lakhs or above. Are you ready to bear this whopping cost of pregnancy on your own? If not, read the full article below. ...Read Less
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Lives In: Delhi, NCR
Expertise: Health & Term Insurance
Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Mar 11, 2026 5 min read
ManipalCigna Health Insurance for Maternity
Giving birth to a single child in India costs somewhere INR 20,000 to 2 Lakhs or above. Are you ready to bear this whopping cost of pregnancy on your own? If not, read the full article below.
Buying the ManipalCigna health insurance policy for maternity coverage is something that you cannot neglect if you’re planning for your future or your family. Many parents-to-be get scared about the expenses that are involved in giving birth to a child. And there is no way of beating the inflating cost of treatment/s or bearing A to Z expenses related to maternity and childbirth other than buying the ManipalCigna maternity health insurance. This page discusses the eligibility criteria, amount of sum insured, benefits and features of the maternity plans, inclusions, exclusions, and more of the ManipalCigna health insurance for maternity coverage.
ManipalCigna Health Insurance Plans with Maternity Cover
ManipalCigna ProHealth Prime Protect and ManipalCigna ProHealth Prime Advantage health insurance plans provide maternity coverage. Additionally, the maternity, newborn, and vaccination up to 1 year from the birth of your newborn is covered as an optional package cover. Given that, the maternity expenses are covered for up to two deliveries and INR 1 Lakh for each delivery in the whole lifetime of the policyholder.
Features Related to ManipalCigna Maternity Coverage
ManipalCigna health insurance plans come with the following set of key features, that you should know about:
Avail up to 100-200% of the cumulative bonus/no-claim bonus of the base sum insured
Free health check-up benefits (routine check-ups might be included depending on the policy’s terms)
Base sum insured restoration benefit
Children who are 91 days old up to 25 years old, dependent children can be included within a family-floater policy
Eligibility Criteria For Buying ManipalCigna Health Insurance for Maternity
Here are some of the criteria that one must fall in to avail of the ManipalCigna maternity coverage:
Minimum age limit
18 years
Maximum age limit
NA
Sum insured
2.5 L - 1 Cr
Waiting period
2 years
Policy tenure
1/2/3 years
Note: Generally, the maximum age limit for maternity coverage benefits under the health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures in your policy prospectus.
Key Benefits of ManipalCigna Health Insurance Maternity Coverage
Before buying a maternity plan, one should know what are the conditions that the plan covers. Read below the stand-out benefits of ManipalCigna health insurance for maternity coverage:
High sum insured
You can choose your plan ranging from INR 2.5 Lakhs to 1 Crore to avail of comprehensive maternity benefits
Cumulative bonus
A total of 100 to 200% of the cumulative bonus is added to the base sum insured to yield additional coverage for the next policy year
Maternity expenses
Normal and caesarian delivery (up to 2 in the whole lifetime), maternity hospitalisation (10% of the SI or INR 1 Lakh per delivery), pre & post-natal care, etc are covered under the policy
Newborn cover
The newborn baby is covered up to 90 days from the date of delivery, in any condition of further hospitalisation due to a complication that occurred post-birth
Vaccination cover
All the expenses incurred due to vaccination under the Indian National Immunization Scheme till the baby completes his/her one-year
Tax benefits
The policyholder/s can avail of a tax exemption benefit under Section 80D of the Income Tax Act, 1961
Inclusions of Maternity Cover in ManipalCigna Health Insurance
These are the coverage scope under ManipalCigna maternity coverage health insurance policy:
Maternity coverage, both normal and C-section/caesarian delivery expenses
Newborn baby cover (complications may or may not be covered under the plan’s specifications)
Newborn vaccination is covered till the newborn is 1 year of age
Pre hospitalisation and post hospitalisation
Domiciliary hospitalisation
Room rent coverage with/without any sub-limits
Listed daycare procedures
Worldwide emergency cover (if, your plan has this cover intact in the policy wording)
A wide network of partnering hospitals for convenient hospitalisation
Exclusions of ManipalCigna Maternity Cover Health Insurance
ManipalCigna health insurance plans have a wide range of maternity cover for the policyholder/s. However, it does not cover some of the conditions that are mentioned below:
Dental/oral treatment
Circumcision
Sterility and infertility surgeries
Routine medical check-ups and diagnostic tests (unless mentioned in the policy wording)
Breach of law/unlawful activities
Unproven treatment
Ailments caused due to abuse of drugs and alcoholism
Cosmetic/beautification surgery (unless it’s for burns or unfortunate accidents)
Non-medical expenses that are not mentioned in policy terms
Self-inflicted injury
Mental disorders
Treatment for the injury caused by nuclear weapons is not covered
Long Story Short
The inflating costs of maternity and delivery care are bothering many of us because giving birth to a child normally has become an exception. Delivery expenses demand extra care and drain our savings if not planned the right way. It’s better to secure your future by layering up extra protection for your maternity phase. The best way to be assured of maternity expenses is to buy a health insurance policy that offers maternity coverage and other childbirth-related expenses. ManipalCigna maternity coverage with specific health insurance plans covers your maternity and newborn care needs without any extra payment.
Get a quote from the expert advisors of PolicyX or ring us on 1800 4200 269 to know more about the ManipalCigna health insurance for maternity.
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.
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:
'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...
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...
Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...
Unique Features
Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions
ManipalCigna Lifetime Health Plan (Pros)
Covers the treatment cost of HIV/AIDS and STD
Covers mental illness
You can opt for global coverage
ManipalCigna Lifetime Health Plan (Cons)
Vaccination not covered
IVF treatment not covered
Air ambulance not covered
ManipalCigna Lifetime Health Plan (Other
Benefits)
You can opt for deductibles
Air ambulance covered
Domestic and international coverage
ManipalCigna Lifetime Health Plan (Eligibility
Criteria)
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...
Unique Features
Boost Your Health Coverage
Eligibility Criteria and Features
Inclusions & Exclusions
ManipalCigna Super Top-up Plan (Pros)
AYUSH treatment
Modern treatment cover
Organ donor expenses
ManipalCigna Super Top-up Plan (Cons)
Maternity cover
Global cover
No OPD cover
Domiciliary care unavailable
ManipalCigna Super Top-up Plan (Other
Benefits)
In-patient hospitalization
Pre & post-hospitalization
Daycare procedures cover
ManipalCigna Super Top-up Plan (Eligibility
Criteria)
Always be prepared for the ups and downs of life!
Buy your ManipalCigna Lifestyle Protection Accident Care insurance plan that protects you financiall...
Unique Features
Lump sum payout
Dependent children cover
Loss of income benefit
ManipalCigna Lifestyle Protection Accident Care Plan (Pros)
Accidental death covered
Permanent total disability
Education fund
Emergency ambulance cover
ManipalCigna Lifestyle Protection Accident Care Plan (Cons)
Any PEDs
Suicide or an attempt at suicide
Intentional self-injury
Breach of law
ManipalCigna Lifestyle Protection Accident Care Plan (Other
Benefits)
Burns cover
Broken bones benefit
Temporary total disability
ManipalCigna Lifestyle Protection Accident Care Plan (Eligibility
Criteria)
Protect your family with the ManipalCigna Arogya Sanjeevani policy!
Yes, you heard that right. You should buy a standard health insurance policy like ...
Unique Features
AYUSH treatment cover
Covers modern treatments
Affordable & available for all
ManipalCigna Arogya Sanjeevani Plan (Pros)
Room rent covered
ICU charges
Pre-hospitalisation
Daycare treatment
ManipalCigna Arogya Sanjeevani Plan (Cons)
Breach of law
Hazardous or adventure sports
Contamination from Nuclear fuel/radiation
Unproven treatments
ManipalCigna Arogya Sanjeevani Plan (Other
Benefits)
AYUSH treatment
Modern treatment
Cataract
ManipalCigna Arogya Sanjeevani Plan (Eligibility
Criteria)
Your safety wallet, anywhere any time. Buy your ManipalCigna ProHealth Cash Policy.
ManipalCigna ProHealth Cash plan is extended financial support thr...
Unique Features
Daily hospital cash benefit
Worldwide cover option
Multiple discounts available
ManipalCigna ProHealth Cash Plan (Pros)
Comes in 2 variants
Sickness hospital cash benefits
ICU cash benefit
Worldwide cover
ManipalCigna ProHealth Cash Plan (Cons)
Breach of law
Suicide or an attempt to commit suicide
Alcoholism or drug abuse
Contamination from Nuclear fuel or radiation
ManipalCigna ProHealth Cash Plan (Other
Benefits)
Option to choose coverage period
Family discount
Online renewal discount
Long-term discount
ManipalCigna ProHealth Cash Plan (Eligibility
Criteria)
“It’s Super Easy, Super Affordable.”
ManipalCigna super top-up plus plan is an additional protection that you can buy to expand your...
Unique Features
Choose any hospital room
Affordable premiums
Healthcare inflation protection
ManipalCigna Super Top-up Plus Plan (Pros)
Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
AYUSH hospitalization
ManipalCigna Super Top-up Plus Plan (Cons)
Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered
Newborn baby cover NA
ManipalCigna Super Top-up Plus Plan (Other
Benefits)
Organ donor cover
Discounts on premium
30 days grace period
Deductible options
ManipalCigna Super Top-up Plus Plan (Eligibility
Criteria)
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation."
ManipalCigna Prime Prote...
Unique Features
Customizable health benefits
High-value covers
Health reward discounts
ManipalCigna Prime Protect Plan (Pros)
In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor cover
ManipalCigna Prime Protect Plan (Cons)
Adventure sport injuries
Cosmetic treatment
Alcoholism/drug abuse
Self-inflicted injury
ManipalCigna Prime Protect Plan (Other
Benefits)
Optional covers
Add-ons available
Unlimited benefits up to SI
Bariatric surgery cover
AYUSH treatment cover
ManipalCigna Prime Protect Plan (Eligibility
Criteria)
A gift of better healthcare for the golden years of life!
The ManipalCigna Prime Senior Elite plan is specially designed for the senior citizens of yo...
Unique Features
Modern treatment cover
Flexible health check-ups
Air ambulance cover
ManipalCigna Prime Senior Elite Plan (Pros)
In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor expense coverage
ManipalCigna Prime Senior Elite Plan (Cons)
Cataract not covered
Sports injury cover
Cosmetic treatment unavailable
Baldness not covered
Higher co-pays applicable
ManipalCigna Prime Senior Elite Plan (Other
Benefits)
AYUSH treatment cover
Second e-opinion covered
Multiple discounts available
OPD add-on cover available
COVID-19 treatment cover
ManipalCigna Prime Senior Elite Plan (Eligibility
Criteria)
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
360 Degree Family Coverage
Additional Wellness Programs
OPD Charges Covered
ManipalCigna ProHealth Prime Advantage (Pros)
Bariatric surgery
Maternity coverage
Newborn baby cover
Daily cash benefits
ManipalCigna ProHealth Prime Advantage (Cons)
Compassionate travel
Copayment unavailable
Sub-limits not applicable
ManipalCigna ProHealth Prime Advantage (Other
Benefits)
Air ambulance cover
OPD available
Domiciliary hospitalization
ManipalCigna ProHealth Prime Advantage (Eligibility
Criteria)
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
Modern treatment cover
Low waiting periods
Room category flexibility
ManipalCigna Prime Senior Plan (Pros)
Daily cash for shared accommodation
Air ambulance
Domestic second opinion
Unlimited 100% SI restoration
ManipalCigna Prime Senior Plan (Cons)
OPD cover
Maternity and newborn cover
Compassionate travel
ManipalCigna Prime Senior Plan (Other
Benefits)
Any room upgradation
Unlimited SI restoration
PEDs waiting period reduction
Domestic second opinion (Elite)
ManipalCigna Prime Senior Plan (Eligibility
Criteria)
1. Does ManipalCigna health insurance cover maternity expenses?
Yes, multiple plans under ManipalCigna health insurance cover maternity expenses and provide coverage for newborn expenses as well.
2. What is the waiting period for ManipalCigna maternity health insurance?
The waiting period for maternity insurance in ManipalCigna is 2 years, but a few plans reduce this waiting period to avail maternity coverage sooner.
3. Is vaccination expense covered with ManipalCigna maternity insurance?
The first-year vaccination of the newborn is covered under health insurance with maternity coverage with the ManipalCigna health insurance policy.
4. Are delivery expenses covered with the ManipalCigna health insurance for maternity?
Yes, delivery expenses from normal to C-section are covered under the ManipalCigna Prohealth Preferred policy.
5. What is the buying process for ManipalCigna maternity coverage?
You can buy the ManipalCigna health insurance for maternity online from their official website. Or give us a call/get a quote for buying the ManipalCigna maternity coverage.
Lives In: Delhi, NCR
Expertise: Health & Term Insurance
Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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