ManipalCigna Maternity Health Insurance

ManipalCigna Health Insurance for Maternity

Giving birth to a single child in India costs between INR 20,000 and 2 Lakhs or more. Are you ready to bear this significant cost of pregnancy on your own? If not, explore the details below.

Buying a ManipalCigna health insurance policy for maternity coverage is essential if you're planning for your future or your family. Many parents-to-be are concerned about the expenses involved in childbirth. ManipalCigna maternity health insurance offers a way to manage the rising costs of maternity and childbirth-related expenses. This page outlines the eligibility criteria, sum insured options, benefits, features, inclusions, and exclusions of 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, an optional package cover includes maternity, newborn, and vaccination expenses for up to 1 year from the birth of your newborn. Maternity expenses are covered for up to two deliveries, with INR 1 Lakh for each delivery, throughout the policyholder's lifetime.

Features of ManipalCigna Maternity Coverage

ManipalCigna health insurance plans come with the following key features:

• Lifelong renewability
• Individual/family-floater policy options
• Minimum sum insured starts from INR 2.5 Lakhs
• A free-look period of 15 days
• 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 may be included depending on the policy's terms)
• Base sum insured restoration benefit
• Dependent children aged 91 days to 25 years can be included within a family-floater policy

Eligibility Criteria for ManipalCigna Health Insurance for Maternity

Here are the criteria one must meet to avail of 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 a health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures in your policy document.

Key Benefits of ManipalCigna Health Insurance Maternity Coverage

Before buying a maternity plan, it's important to understand the conditions covered. Here are the key benefits of ManipalCigna health insurance for maternity coverage:

• High Sum Insured: You can choose a 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, providing additional coverage for the next policy year.
• Maternity Expenses: Normal and Caesarean delivery (up to 2 in a lifetime), maternity hospitalization (10% of the SI or INR 1 Lakh per delivery), pre and post-natal care, etc., are covered under the policy.
• Newborn Cover: The newborn baby is covered for up to 90 days from the date of delivery, including any complications requiring further hospitalization post-birth.
• Vaccination Cover: All expenses incurred due to vaccination under the Indian National Immunization Scheme are covered until the baby completes one year of age.
• Tax Benefits: Policyholder(s) can avail of a tax benefit under Section 80D of the Income Tax Act, 1961.

Inclusions of Maternity Cover in ManipalCigna Health Insurance

These are the scope of coverage under the ManipalCigna maternity health insurance policy:

• Maternity coverage, including both normal and C-section/Caesarean delivery expenses
• Newborn baby cover (complications may or may not be covered as per the plan's specifications)
• Newborn vaccination is covered until the newborn is 1 year of age
• Pre-hospitalization and post-hospitalization
• Domiciliary hospitalization
• Room rent coverage (with or without any sub-limits)
• Listed daycare procedures
• Worldwide emergency cover (if included in your policy wording)
• Access to a wide network of partner hospitals for convenient hospitalization

Exclusions of ManipalCigna Maternity Cover Health Insurance

ManipalCigna health insurance plans offer a wide range of maternity cover for policyholder(s). However, they do not cover the following conditions:

• 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 not specified in policy terms
• Self-inflicted injury
• Mental disorders
• Injuries caused by nuclear weapons

Conclusion

The rising costs of maternity and delivery care are a significant concern. Normal delivery is becoming less common, and expenses can quickly deplete savings if not planned for. Securing your financial future during the maternity phase is crucial. The best way to manage maternity expenses is to buy a health insurance policy that offers comprehensive maternity coverage and other childbirth-related benefits. ManipalCigna maternity coverage, available with specific health insurance plans, helps cover your maternity and newborn care needs.

Get a quote from the expert advisors of PolicyX or contact us at 1800 4200 269 to know more about ManipalCigna health insurance for maternity.