ManipalCigna Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 6,969+ Network Hospitals
    Check in your City
  • 2,29,817 Policies Issued
  • 62% Incurred Claim Ratio
  • Lifelong Renewability
  • 89.50% Claim Settlement Ratio
  • In-House Claim Settlement
  • Coronavirus (COVID-19) Cover

About ManipalCigna Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy is the latest initiative of ManipalCigna Health Insurance towards securing the health of your family. The policy includes cover for listed modern treatments & procedures. A prime feature of the policy is that it covers you for medical treatment of illnesses and injuries requiring in-patient hospitalization. It also covers infectious diseases such as Coronavirus (COVID-19) or similar such diseases. The health insurance coverage does not feature a zone-based premium, which means it provides the same premium across the country.

An indemnity based plan, ManipalCigna Arogya Sanjeevani Policy provides premium payment mode such as yearly, half-yearly, quarterly as well as the monthly basis for the ease of its policyholders. It is available for a policy period of 1 year and any individual between the age range 3 months up to 65 years can be covered. Besides, it has a mandatory co-pay of 5%. The policy can be purchased on individual sum insured or family floater basis. The sum insured options range between Rs. 1 Lakh up to Rs. 5 Lakh. As far as coverage is concerned, Arogya Sanjeevani Policy, ManipalCigna includes in-patient hospitalization cover, in-patient hospitalization for AYUSH, pre & post hospitalization, cataract treatment, and daycare treatment cover. Besides, you can also avail tax benefits under Section 80D of the Income Tax Act. 

Key Inclusions and Exclusions of the Plan

What's Included

  • Road ambulance expenses of Rs. 2,000 per hospitalization
  • Pre & post-hospitalisation for 30 and 60 days respectively
  • Daycare procedures up to 50% of sum insured
  • Coverage for cataract surgery subject to a certain limit
  • Treatment expenses of COVID-19
  • AYUSH treatments up to a certain limit

What's Not Included

  • Expenses traceable to childbirth except ectopic pregnancy
  • Domiciliary hospitalization and OPD treatment
  • Expenses for cosmetic or plastic surgery due to disease or injury
  • Expenses incurred on diagnostic or investigative tests
  • Illness due to nuclear fuel or radiation

Arogya Sanjeevani Policy Reviews

What users are saying
  • Amazing plan

    ManipalCigna Arogya Sanjeevani Policy is a comprehensive policy that covers me and my entire family against ma...

    Read More
    G
    By Gurdeep Singh
    On: Jun 18, 2020
  • Easy to buy online from Insura...

    I am happy to have chosen InsuranceDekho to fulfil my health insurance requirement. It was very easy to buy Ma...

    Read More
    M
    By Mandeep Kaur
    On: Jun 18, 2020
  • Affordable policy

    ManipalCigna Arogya Sanjeevani Policy is an affordable health insurance policy that I recently bought from Ins...

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    S
    By Sunny Jha
    On: Jun 17, 2020
  • Satisfied with the coverage fe...

    My friend suggested me to purchase ManipalCigna Arogya Sanjeevani Policy from InsuranceDekho as he was quite s...

    Read More
    N
    By Neha Malhotra
    On: Jun 16, 2020
  • Can pay in installments too

    ManipalCigna Arogya Sanjeevani Policy is an affordable premium that I bought from InsuranceDekho last week dur...

    Read More
    J
    By Jigyasa Suri
    On: Invalid date

ManipalCigna Arogya Sanjeevani Policy Brochure

  • 127.24 KB
  • PDF Document
  • Apr 13, 2020

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Arogya Sanjeevani Policy FAQs

  • Will I be allowed cashless treatment under Arogya Sanjeevani Policy, ManipalCigna?

    Yes! In fact, you can avail cashless treatment for Arogya Sanjeevani Policy, ManipalCigna at more than 6500+ network hospitals in India.

  • How many family members can I cover under Arogya Sanjeevani Policy, ManipalCigna?

    If purchasing the policy on individual sum insured basis, you can include self, spouse, son, daughter, parents & parents in law. However, on purchasing the policy on family floater sum insured basis, you get to cover self, spouse, children up to the age of 25 years or parents/parents in law. You can cover a maximum of 2 adults and 3 children under a single policy.

  • What are the sum insured options I can choose between for Arogya Sanjeevani Policy, ManipalCigna?

    Arogya Sanjeevani Policy, ManipalCigna features sum insured options such as Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

  • I want to avail cataract treatment. Does Arogya Sanjeevani Policy, ManipalCigna provide cover for it?

    Yes, it does! However, note that you will be indemnified expenses incurred 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.

  • Will Arogya Sanjeevani Policy, ManipalCigna cover me for dental treatment?

    Under Arogya Sanjeevani Policy, ManipalCigna, you will also gain coverage for dental treatment, but if only it is necessary due to disease or injury. Furthermore, you will also be covered for plastic surgery, if necessitated due to disease or injury.

  • Is Cumulative Bonus benefit covered under Arogya Sanjeevani Policy, ManipalCigna?

    Yes! Under the benefit of cumulative bonus, you will receive an increase of 5% of sum insured for every claim free year. Note that cumulative bonus will be reduced by 5% if a claim is made. Maximum accumulation upto 50% of sum insured is granted.

  • What is the waiting period under Arogya Sanjeevani Policy, ManipalCigna?

    While the initial waiting period is 30 days, the specific illness waiting period is 24 months or 48 months. The waiting period associated with pre-existing disease is 48 months.

  • Does Arogya Sanjeevani Policy, ManipalCigna feature any co-payment clause?

    Yes! Under Arogya Sanjeevani Policy, ManipalCigna, 5% co-pay is applicable on all claims.

  • Can I expect any discounts under the Arogya Sanjeevani Policy, ManipalCigna?

    Under the policy, you can make the most of a family discount of 15% on covering 2 or more family members under single individual policy.

  • What if I want to cancel Arogya Sanjeevani Policy, ManipalCigna after I buy it? Will I be allowed to do so?

    Yes, you will be allowed to cancel the Arogya Sanjeevani Policy, ManipalCigna within 15 days (free-look period) from date of receipt of the policy to review the terms and conditions, and return the same in case, they are not acceptable to you.

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