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Arogya Sanjeevani Policy of ManipalCigna Health Insurance Company

Updated On Jul 29, 2021

Nobody wants to get ill. But they fall ill at some point in their lives. And to recover from their illness, they require proper medical care.

However, medical care costs may burn a big hole in your pocket. And you have to break your savings. That’s where Arogya Sanjeevani Policy, ManipalCigna comes into the picture.

Arogya Sanjeevani Policy, ManipalCigna covers medical costs and offers the utmost protection to you and your family in case of any injury/sickness/disease. It offers affordable health coverage to the policyholders across India. 

Read ahead to know more about the policy.

What is Arogya Sanjeevani Policy, ManipalCigna?

Arogya Sanjeevani Policy, ManipalCigna is an indemnity-based health insurance product that protects you and your family from the unexpected medical costs. The policy is not only high on coverage features but also easy to understand for everyone.  

The recently launched policy is developed by the insurance regulator, IRDAI and made available to the policyholders by ManipalCigna health insurance company.

Features of Arogya Sanjeevani Policy, ManipalCigna

Key features of the policy by ManipalCigna are the following: 

  • You can purchase this policy on individual or family floater basis

  • Sum insured options available under this policy range between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of 50,000)

  • People aged between 3 months to 65 years can seek cover under this policy 

  • The policy is available for one year. The policyholders need to renew it every year

  • Guaranteed lifetime renewals  available under the plan

  • Family members who can be included under this policy are Spouse, Dependent Children, Parents, Parents-in-law

  • Ease in premium payment. You can pay premiums monthly, quarterly, half-yearly, and yearly instalments

  • General waiting period for 30 days from the date of commencement fo the policy

  • Fixed co-payment of 5% for all admissible claims

Read here: All About Arogya Sanjeevani Policy, ManipalCigna

Benefits of Arogya Sanjeevani Policy, ManipalCigna

A major highlight of this plan is that it offers cover for expenses related to coronavirus. Other major benefits of Arogya Sanjeevani Policy, ManipalCigna that will make you buy the policy are listed below. 

  • Cashless and reimbursement facility available

  • Cashless claim settlement in more than 6,500 hospitals across India

  • Cover for pre and post hospitalisation expenses for up to 30 and 60 days respectively

  • Cover for AYUSH treatment

  • Cover for Cataract treatment subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year

  • Cover for modern and advanced procedures

  • Cover for in-patient hospitalisation expenses (nursing, operation theatre, room rent, doctor fees, boarding expenses, medicines consumed during the stay at the hospital, and ICU expenses)

  • Cover for all daycare procedures

  • Cover for road ambulance for up to Rs. 2,000 per hospitalisation

  • Cumulative bonus of 5% for every claim-free year up to 50%

  • A grace period of 30 days and a free look period of 15 days

  • Portability feature is also available. It means you can switch from your existing insurer to another insurer to get rid of poor service.


Following discounts are offered under this policy:

  1. Family discount of 15% for covering 2 or more family members under the same policy
  2. Online renewal discount of 3%
  3. Worksite marketing discount of 10%

Cover for dental treatment and plastic surgery is what makes this policy different from others. Policyholders can avail these benefits if the treatment is required due to disease or injury. 

How to buy Arogya Sanjeevani Policy, ManipalCigna?

With InsuranceDekho’s support always with you, you need not worry about the process of buying health insurance plans online. 

All you need to do is fill quotes on the website and you can see the premium for Arogya Sanjeevani Policy, ManipalCigna online. 

Click on ‘Buy Now’ and pay premium online through a secured payment gateway. 

Also Read

Aarogya Setu App Launched by the Government to Track Coronavirus Infections

Arogya Sanjeevani Policy of Max Bupa Health Insurance

If you want the process to be even easier, then call on the toll-free number 7551196989 and talk to our customer care experts. They will guide you through the entire process over the call. 

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