ManipalCigna Maternity Health Insurance
  • Unlimited SI Restoration
  • Maternity & Newborn Cover
  • Health Check-up Benefits
ManipalCigna Maternity Health Insurance
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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 limit18 years
Maximum age limitNA
Sum insured2.5 L - 1 Cr
Waiting period2 years
Policy tenure1/2/3 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 bonusA 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 expensesNormal 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 coverThe 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 coverAll the expenses incurred due to vaccination under the Indian National Immunization Scheme till the baby completes his/her one-year
Tax benefitsThe 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.

Explore other ManipalCigna Health Insurance

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...

Unique Features

  • Avail Add-On Covers
  • Optional Benefits Available
  • High SI Options

ManipalCigna ProHealth Protect Plan (Pros)

ManipalCigna ProHealth Protect Plan
  • Newborn Baby and Maternity Cover
  • Health Maintainance Benefit
  • AYUSH Cover

ManipalCigna ProHealth Protect Plan (Cons)

ManipalCigna ProHealth Protect Plan
  • Compassionate travel
  • Vaccination expenses
  • E-consultation

ManipalCigna ProHealth Protect Plan (Other Benefits)

ManipalCigna ProHealth Protect Plan
  • Daycare treatment
  • Domiciliary treatment
  • OPD cover

ManipalCigna ProHealth Protect Plan (Eligibility Criteria)

ManipalCigna ProHealth Protect Plan
  • Entry age: 18 years to No limit
  • SI: 2.5 L to 50 L
  • Initial waiting period: 30 days
  • Policy term: 1/2/3 years

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...

Unique Features

  • Suitable for New Couples
  • Family Planning Coverage
  • Maternity & Newborn Cover

ManipalCigna ProHealth Plus (Pros)

ManipalCigna ProHealth Plus
  • Maternity & new-born benefits
  • Modern treatment
  • 500+ daycare procedures
  • Listed critical illnesses

ManipalCigna ProHealth Plus (Cons)

ManipalCigna ProHealth Plus
  • IVF not covered
  • E-consultation
  • Compassionate travel

ManipalCigna ProHealth Plus (Other Benefits)

ManipalCigna ProHealth Plus
  • Organ donor expenses
  • Worldwide coverage
  • In-patient hospitalization
  • Out-patient hospitalization

ManipalCigna ProHealth Plus (Eligibility Criteria)

ManipalCigna ProHealth Plus
  • Entry age: 18 years to No max limit
  • SI: 4.5 L to 50 L
  • Initial waiting period: 30 days
  • Policy term: 1/2/3 years

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

  • Modern treatment cover
  • Low waiting periods
  • Room category flexibility

ManipalCigna Prime Senior Plan (Pros)

ManipalCigna Prime Senior Plan
  • Daily cash for shared accommodation
  • Air ambulance
  • Domestic second opinion
  • Unlimited 100% SI restoration

ManipalCigna Prime Senior Plan (Cons)

ManipalCigna Prime Senior Plan
  • OPD cover
  • Maternity and newborn cover
  • Compassionate travel

ManipalCigna Prime Senior Plan (Other Benefits)

ManipalCigna Prime Senior Plan
  • Any room upgradation
  • Unlimited SI restoration
  • PEDs waiting period reduction
  • Domestic second opinion (Elite)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

ManipalCigna Prime Senior Plan
  • Entry age: 56 to 75 years
  • SI: 3 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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

  • 360 Degree Family Coverage
  • Additional Wellness Programs
  • OPD Charges Covered

ProHealth Prime Advantage (Pros)

ProHealth Prime Advantage
  • Bariatric surgery
  • Maternity coverage
  • Newborn baby cover
  • Daily cash benefits

ProHealth Prime Advantage (Cons)

ProHealth Prime Advantage
  • Compassionate travel
  • Copayment unavailable
  • Sub-limits not applicable

ProHealth Prime Advantage (Other Benefits)

ProHealth Prime Advantage
  • Air ambulance cover
  • OPD available
  • Domiciliary hospitalization

ProHealth Prime Advantage (Eligibility Criteria)

ProHealth Prime Advantage
  • Entry age: 18 years to no max limit
  • SI: 5 L to 1 Cr
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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

  • Customizable health benefits
  • High-value covers
  • Health reward discounts

ManipalCigna Prime Protect Plan (Pros)

ManipalCigna Prime Protect Plan
  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor cover

ManipalCigna Prime Protect Plan (Cons)

ManipalCigna Prime Protect Plan
  • Adventure sport injuries
  • Cosmetic treatment
  • Alcoholism/drug abuse
  • Self-inflicted injury

ManipalCigna Prime Protect Plan (Other Benefits)

ManipalCigna Prime Protect Plan
  • Optional covers
  • Add-ons available
  • Unlimited benefits up to SI
  • Bariatric surgery cover
  • AYUSH treatment cover

ManipalCigna Prime Protect Plan (Eligibility Criteria)

ManipalCigna Prime Protect Plan
  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 3 Lakhs - 1 Crore
  • Waiting Period - 30 days

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’...

Unique Features

  • Worldwide emergency cover
  • Premium waiver benefit
  • Covers 36 listed critical illnesses

ProHealth Prime Active Plan (Pros)

ProHealth Prime Active Plan
  • Global cover
  • Modern treatment
  • Second medical opinion

ProHealth Prime Active Plan (Cons)

ProHealth Prime Active Plan
  • OPD cover
  • Maternity benefits
  • Newborn baby cover

ProHealth Prime Active Plan (Other Benefits)

ProHealth Prime Active Plan
  • In-patient hospitalization
  • Daycare procedures
  • Organ donor cover

ProHealth Prime Active Plan (Eligibility Criteria)

ProHealth Prime Active Plan
  • Entry age: 18 to 70 years
  • SI: 3 to 15 Lakhs
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

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

  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions

ManipalCigna ProHealth Plan (Pros)

ManipalCigna ProHealth Plan
  • Pre-hospitalisation
  • Post-hospitalisation
  • Unlimited teleconsultation
  • Daily hospitalcash
  • SI restoration benefit

ManipalCigna ProHealth Plan (Cons)

ManipalCigna ProHealth Plan
  • Obesity weight control
  • Change of gender treatments
  • Breach of law

ManipalCigna ProHealth Plan (Other Benefits)

ManipalCigna ProHealth Plan
  • Cashless claim settlement
  • AYUSH treatment
  • Trusted insurance provider

ManipalCigna ProHealth Plan (Eligibility Criteria)

ManipalCigna ProHealth Plan
  • Min entry age: 91 days
  • Max entry age: Unlimited
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • Boost Your Health Coverage
  • Eligibility Criteria and Features
  • Inclusions & Exclusions

ManipalCigna Super Top-up Plan (Pros)

ManipalCigna Super Top-up Plan
  • AYUSH treatment
  • Modern treatment cover
  • Organ donor expenses

ManipalCigna Super Top-up Plan (Cons)

ManipalCigna Super Top-up Plan
  • Maternity cover
  • Global cover
  • No OPD cover
  • Domiciliary care unavailable

ManipalCigna Super Top-up Plan (Other Benefits)

ManipalCigna Super Top-up Plan
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures cover

ManipalCigna Super Top-up Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plan
  • Entry age: 18 years to no age bar
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days
  • SI: 3 to 30 Lakhs

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

  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions

ManipalCigna Lifetime Health Plan (Pros)

ManipalCigna Lifetime Health Plan
  • Covers the treatment cost of HIV/AIDS and STD
  • Covers mental illness
  • You can opt for global coverage

ManipalCigna Lifetime Health Plan (Cons)

ManipalCigna Lifetime Health Plan
  • Vaccination not covered
  • IVF treatment not covered
  • Air ambulance not covered

ManipalCigna Lifetime Health Plan (Other Benefits)

ManipalCigna Lifetime Health Plan
  • You can opt for deductibles
  • Air ambulance covered
  • Domestic and international coverage

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

ManipalCigna Lifetime Health Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 3 Crore

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

  • Comprehensive coverage
  • High sum insured
  • Customized benefits

ManipalCigna ProHealth Prime Plan (Pros)

ManipalCigna ProHealth Prime Plan
  • Annual health check up
  • Domestic second opinion
  • Switch off benefit
  • Premium waiver benefits
  • OPD expense covered

ManipalCigna ProHealth Prime Plan (Cons)

ManipalCigna ProHealth Prime Plan
  • Optional deductibles
  • 10% co-payment
  • PED 2-year waiting period
  • Long waiting period

ManipalCigna ProHealth Prime Plan (Other Benefits)

ManipalCigna ProHealth Prime Plan
  • Domiciliary hospitalisation
  • Air ambulance cover
  • Cumulative bonus booster
  • CI add on cover
  • SI restoration

ManipalCigna ProHealth Prime Plan (Eligibility Criteria)

ManipalCigna ProHealth Prime Plan
  • Min entry age: 91 days
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • Avail Critical Illness Cover
  • High Sum Assured
  • Optional Covers

ManipalCigna Pro Health Group Plan (Pros)

ManipalCigna Pro Health Group Plan
  • Avail Critical Illness Cover
  • High Sum Assured
  • Optional Covers Available

ManipalCigna Pro Health Group Plan (Cons)

ManipalCigna Pro Health Group Plan
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

ManipalCigna Pro Health Group Plan (Other Benefits)

ManipalCigna Pro Health Group Plan
  • Donor expenses cover
  • AYUSH treatment cover
  • Daily Cash Benefits
  • Critical illness cover
  • Personal accident cover

ManipalCigna Pro Health Group Plan (Eligibility Criteria)

ManipalCigna Pro Health Group Plan
  • Min entry age: Day 1
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • CI Cover
  • Eligibility & Features
  • 30 CI Cover

Critical Care Plan (Pros)

Critical Care Plan
  • 15 or 30 major illnesses
  • Medical second opinion
  • Online wellness program

Critical Care Plan (Cons)

Critical Care Plan
  • No daily cash benefit
  • In-patient hospitalization
  • OPD unavailable
  • Daycare procedures

Critical Care Plan (Other Benefits)

Critical Care Plan
  • Basic & advanced add-on cover benefits
  • Organ donor expenses

Critical Care Plan (Eligibility Criteria)

Critical Care Plan
  • Entry age: 18 to 65 years
  • SI: 1 L to 25 Cr
  • Policy term: 1/2/3 years
  • Waiting period: 90 days

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 thi...

Unique Features

  • Comprehensive coverage
  • High sum insured
  • Customized benefits

ManipalCigna Sarvah Plan (Pros)

ManipalCigna Sarvah Plan
  • Coverage for major illness
  • Reduced waiting period for pre-existing diseases
  • Unlimited restoration
  • Surplus benefits

ManipalCigna Sarvah Plan (Cons)

ManipalCigna Sarvah Plan
  • Maternity benefit not covered
  • No global coverage
  • Daily hospital cash not covered

ManipalCigna Sarvah Plan (Other Benefits)

ManipalCigna Sarvah Plan
  • Tatkal benefit
  • Comprehensive personal accident cover
  • Gullak and Sarathi benefits

ManipalCigna Sarvah Plan (Eligibility Criteria)

ManipalCigna Sarvah Plan
  • Entry Age -91 days
  • Maximum Entry Age - No Limit
  • SI - Up to 3 Crore
  • Waiting Period - 30 days

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ManipalCigna Maternity Health Insurance: FAQs

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.

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Simran Nirala

Written By: Simran Nirala

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.