ManipalCigna Arogya Sanjeevani Health Insurance

Claim Settlement Ratio | 85.72% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Incurred Claim Ratio | 54% |
Network Hospitals | 6,500+ |
Policies Sold | 2,29,817 |
Renewability | Lifelong |
About ManipalCigna Arogya Sanjeevani Health Insurance
Arogya Sanjeevani Policy is the latest initiative of ManipalCigna Health Insurance towards securing the health of your family. This medical insurance 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 modes 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 an 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 yourself of tax benefits under Section 80D of the Income Tax Act.
Read more: Arogya Sanjeevani Policy
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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
- 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
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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.