ManipalCigna Maternity Health Insurance
- Unlimited SI Restoration
- Maternity & Newborn Cover
- Health Check-up Benefits
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 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.
ManipalCigna health insurance plans come with the following set of key features, that you should know about:
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.
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 |
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
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
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 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.
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Group Health Insurance
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Know More About Health Insurance Companies
Yes, multiple plans under ManipalCigna health insurance cover maternity expenses and provide coverage for newborn expenses as well.
The waiting period for maternity insurance in ManipalCigna is 2 years, but a few plans reduce this waiting period to avail maternity coverage sooner.
The first-year vaccination of the newborn is covered under health insurance with maternity coverage with the ManipalCigna health insurance policy.
Yes, delivery expenses from normal to C-section are covered under the ManipalCigna Prohealth Preferred policy.
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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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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