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:
- Lifelong renewability
- Individual/family-floater policy options
- The 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 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:
Sterility and infertility surgeries
Routine medical check-ups and diagnostic tests (unless mentioned in the policy wording)
Breach of law/unlawful activities
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
Treatment for the injury caused by nuclear weapons is not covered
Other Maternity Health insurance Companies
Others, you should check the policy documents thoroughly to know more about the exclusions of ManipalCigna maternity coverage plans.
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.
Explore Manipalcigna Health Insurance
ManipalCigna Health Insurance Plans
ManipalCigna offers extensive categories of health insurance plans for their diverse customer base. The company offers individual plans, family floater, critical illness, global health insurance, and more to meet various health insurance needs.
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
- 3 Plan Variants
- Up to 200% Cumulative Bonus
- Critical Illness Cover
ManipalCigna ProHealth Prime (Pros)
- Annual Health Check-up
- Domestic Second Opinion
- Switch Off Benefit
- Premium Waiver Benefit
- OPD Expense Covered
ManipalCigna ProHealth Prime (Cons)
- Optional Deductibles
- 10% Co-Payment
- PED 2-year waiting period
- Long Waiting Period
- Long Mental Illness Cover
ManipalCigna ProHealth Prime (Other Benefits)
- Domiciliary Hospitalization
- Air Ambulance Cover
- Cumulative Bonus Booster
- CI Add on Cover
- SI Restoration
ProHealth Prime (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
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
- Avail Global OPD
- Cancer treatment
- High SI
Manipalcigna Lifetime (Pros)
- No room rent limit
- Avail Loyalty discount
- Global OPD
- International Second Opinion
- 27 CI Covered
Manipalcigna Lifetime (Cons)
- Hazardous Activities not covered
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
Manipalcigna Lifetime (Other Benefits)
- Travel Expenses Benefit
- Global Second Opinion
- Critical Illness Cover
- Women+ Cover
- Air Ambulance Cover
Manipalcigna Lifetime (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 1 L to 3 Cr
- Waiting Period - 30 Days
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
- Individual and Family Floater
- 2 Plan Variants
- Up to 50 Lakh INR
Manipal Cigna Prime Senior (Pros)
- Low Waiting Periods
- Flexible Room Category
- Avail Cumulative Bonus
- Flexible Health Check-up
- Tele-Consultations
Manipal Cigna Prime Senior (Cons)
- Injuries Due to Breach of Law
- Adventure Sports
- Obesity
- Cosmetic Surgery
- Injuries Due to Illegal Activities
Manipal Cigna Prime Senior (Other Benefits)
- Modern Treatment Cover
- 10 % Cumulative Bonus
- Cashless Health Check-Up
- Mental Illness Cover
- Domiciliary Hospitalization Cover
Manipal Cigna Prime Senior (Eligibility Criteria)
- Entry Age - 56 Years
- Max Entry Age - 75 Years
- SI - 3 L to 50 L
- Waiting Period - 30 Days
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
- Avail Family Discount
- Worldwide Emergency Protection
- Avail Healthy Lifestyle Benefits
Manipal Cigna Pro Health (Pros)
- 5 Plan Variants
- SI Up to 1 Crore
- Hospital Cash Benefits
- Up to 200% Cumulative Bonus
- Avail Health Check-Up
Manipal Cigna Pro Health (Cons)
- Optional Co-Pay
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
Manipal Cigna Pro Health (Other Benefits)
- 8500+ Cashless Hospitals
- Tax Benefits
- Inflation Protection
- Medical Check Up Cover
- Health Reward Points
Manipal Cigna Pro Health (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 2.5 L to 1 Cr
- Waiting Period - 30 Days
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
- Affordable Health Plan
- Up to 30 Lakhs SI
- Beat Medical Care Inflation
ManipalCigna Super Top-up Plan (Pros)
- Add On CI benefit
- Up to 50% Cumulative Bonus
- Donor Expenses Cover
- Day Care Treatment Cover
- Ambulance Cover
ManipalCigna Super Top-up Plan (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
ManipalCigna Super Top-up Plan (Other Benefits)
- Optional Covers Available
- Add-on Covers Available
- Non-medical expenses Cover
- Opt for Any Room Category
- Tax Benefits
ManipalCigna Super Top-up Plan (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 3 L to 30 Lakhs
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna Pro Health Select
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
- 2 Plan Variants Available
- Avail Customized Features
- Long Term Policy
- Reassurance Benefits
- High SI Up to 25 Lakhs
- Tax Benefits
- 171 Day Care Procedures
- Ambulance Cover
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Pro Health Select (Other Benefits)
- Premium Waiver Option
- Long Term Policy
- Restoration Benefit
- Health Reward Points
- AYUSH Cover
Pro Health Select (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 3 L to 25 Lakhs
- Waiting Period - 30 Days
Affordable Plan
Manipal Cigna Secure Health
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
- Affordable Premiums
- AYUSH Treatments
- Day Care Procedures
Manipal Cigna Secure Health (Pros)
- Modern Treatments Covered
- Road Ambulance Covered
- Cataract Cover
- Emergency Ambulance
- Pre and Post Hospitalization
Manipal Cigna Secure Health (Cons)
- 48 Months PED Waiting Period
- Injuries due to unlawful activities
- Obesity
- Injuries due to illegal activities
- Dental Treatment
Manipal Cigna Secure Health (Other Benefits)
- Tax Benefits
- Flexible-Premium Payments
- Multiple Discounts
- Portable Policy
- Renewable Policy
Manipal Cigna Secure Health (Eligibility Criteria)
- Entry Age - Newborn
- Max Entry Age - 65 Years
- SI - 4 & 5 Lakhs
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna ProHealth Cash
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
- 2 Plan Variants Available
- Sickness Hospital Cash Benefit
- ICU Cash Benefit
ManipalCigna ProHealth Cash (Pros)
- Daily Cash Benefits
- Accidental Death Cover
- Permanent Total Disability Cover
- Individual and Family Floater
- 1/2/3 Policy Years
ManipalCigna ProHealth Cash (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
ManipalCigna ProHealth Cash (Other Benefits)
- Up to 10% long-term discount
- 10% Family Discount
- Critical Illness Add-On
- Online Wellness Program
- 15 Day free-Look Period
ManipalCigna ProHealth Cash (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 500 to 5000 Per day
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna Arogya Sanjeevani Policy
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
- Affordable Health Coverage
- Avail modern treatments
- Avail AYUSH Treatment
Arogya Sanjeevani Policy (Pros)
- Allopathic & AYUSH Cover
- Cashless Hospitalization
- Tax Benefits
- Multiple Discounts
- Up to 50% Cumulative Bonus
Arogya Sanjeevani Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Arogya Sanjeevani Policy (Other Benefits)
- Pre & Post Hospitalization
- Road Ambulance Cover
- 15-Day Free-Look Period
- Up to 10 L SI
- 30-Day Grace Period
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 50k to 10 Lakhs
- Waiting Period - 30 Days
Accident Plan
ManipalCigna Lifestyle Protection Accident Care
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
- SI up to 10 Crores
- Tax Benefits
- Pre & Post Hospitalization Cover
Lifestyle Protection Accident Care (Pros)
- Funeral Expenses Covered
- Accidental Death Covered
- Emergency Ambulance Covered
- 3 Plan Variants
- Orphan Benefit Covered
Lifestyle Protection Accident Care (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Lifestyle Protection Accident Care (Other Benefits)
- Education Fund Cover
- Burn Benefit Cover
- Permanent Disablement Cover
- Partial Disablement Cover
- Loss of Employment Cover
- Entry Age - 5 Years
- Max Entry Age - 80 Years
- SI - 50k to 10 Crores
- Waiting Period - 30 Days
Critical Illness Plan
A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.
Unique Features
- Up to 30 CI Covered
- Avail Online Wellness Program
- 2 Plan Variants Available
Lifestyle Protection Critical Care (Pros)
- High Sum Insured
- Medical Second Opinion
- Premium Installments Available
- Avail Multiple Discounts
- Tax Benefits
Lifestyle Protection Critical Care (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Lifestyle Protection Critical Care (Other Benefits)
- Lump Sum Or Staggered Payouts
- Global Plan
- Cancer Cover
- Bone Marrow Transplant
- Deafness Cover
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 25 Crore
- Waiting Period - 30 Days
Accident Plan
ManipalCigna Saral Suraksha Bima
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
- Avail Accident Death Cover
- Avail Security for dependant child
- Permanent Total Disability Cover
Saral Suraksha Bima (Pros)
- Up to 50% Cumulative Bonus
- Add-On Cover
- Individual & Family Cover
- Flexible-Premium Payment
- Up to 1 Crore SI
Saral Suraksha Bima (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Saral Suraksha Bima (Other Benefits)
- Hospitalization Expense Cover
- Education Grant
- 3% Online Renewal Discount
- 15% Family Discount
- 10% Worksite Discount
Saral Suraksha Bima (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 70 Years
- SI - 2.5 L to 1 Crore
- Waiting Period - 30 Days
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
- Customizable Plan
- 42 Optional Covers
- Personal Accident Cover
- Avail hospitalization cover
- Inpatient Hospitalization
- Day Care Cover
- Pre & Post Hospitalization
- Road Ambulance
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Pro Health Group (Other Benefits)
- Donor Expenses Cover
- AYUSH Treatment Cover
- Daily Cash Benefits
- Critical Illness Cover
- Personal Accident Cover
Pro Health Group (Eligibility Criteria)
- Entry Age - No Limit
- Max Entry Age - No Limit
- SI - 5k to 1 Crore
- Waiting Period - 30 Days
Group Plan
ManipalCigna Lifestyle Protection Group Policy
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
- Flexible Base and Optional Covers
- 36 CI Covered
- Cancer-only coverage available
Lifestyle Protection Group Policy (Pros)
- Accidental Death Benefit
- Permanent Total Disability Benefit
- Multiple Optional Benefits
- Partial Disability Benefit
- Temporary Total Disability Benefit
Lifestyle Protection Group Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Lifestyle Protection Group Policy (Other Benefits)
- Survival Period Waiver
- Emergency Road Ambulance
- Hospital Cash Benefit
- Family Counselling
- Medical Second Opinion
- Entry Age - 5 Years
- Max Entry Age - 75 Years
- SI - Up to 50 Crores
- Waiting Period - 30 Days
Group Plan
ManipalCigna FlexiCare Group Insurance Policy
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
- Wellness Program
- Customizable Cover
- Home Care Benefit
FlexiCare Group Policy (Pros)
- EMI Protection
- Pay-out Options Available
- Domestic Travel Cover
- Premium Waiver
- Cost Effective Plan
FlexiCare Group Policy (Cons)
- Injuries due to Unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
FlexiCare Group Policy (Other Benefits)
- Surgery Cover
- Day Care Cover
- OPD Cover
- Home Care Cover
- Income Protection
- Entry Age - No limit
- Max Entry Age - No limit
- SI - Up to 5 Crores
- Waiting Period - 30 Days
Group Plan
ManipalCigna Group Overseas Travel
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
- Customizable Plan
- Travel Expense Cover
- Avail adventure sports cover
Group Overseas Travel (Pros)
- Loss of Baggage Cover
- Hijack Cover
- OPD Cover
- Easy Plan Management
- 24/7 Toll-Free Assistance
Group Overseas Travel (Cons)
- Injuries due to Unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Group Overseas Travel (Other Benefits)
- Medical Expenses Cover
- Travel Inconvenience Cover
- Travel Personal Accident Cover
- 51 Optional Covers
- Cruise Cover
Group Overseas Travel (Eligibility Criteria)
- Entry Age - 0 Days
- Max Entry Age - 95 Years
- SI - Up to $ 50 Lac
- Waiting Period - 30 Days
Group Plan
ManipalCigna Global Health Group Policy
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
- Avail Global Health Care
- Wellness Program
- Multiple Optional Covers
Global Health Group Policy (Pros)
- Outpatient Benefits
- In-patient Hospitalization
- Day Care Cover
- Maternity Cover
- New Born Cover
Global Health Group Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Global Health Group Policy (Other Benefits)
- Dental Cover
- Vision Cover
- Travel Vaccination Cover
- Cancer Cover
- Psychological Care
Global Health Group Policy (Eligibility Criteria)
- Entry Age - Day 1
- Max Entry Age - 95 Years
- SI - $ 10 Million
- Waiting Period - 30 Days
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