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ManipalCigna Arogya Sanjeevani Health Insurance

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ManipalCigna Health Insurance
Arogya Sanjeevani Policy
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

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

8674 ManipalCigna Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.7
Rating based on
302 User reviews
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What users are saying
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  • Numerous health plans

    InsuranceDekho proposes numerous health insurance plans to its customers, starting from maternity health plans, kids health plans, critical illness covered plans, cancer covered plans and so on. Besides specific ones, certain standard health plans are available for purchase too. I chose Manipal Cigna’s Arogya Sanjeevani Policy.

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    P
    By Prakhar Pandey
    On: Feb 10, 2021
  • Easy purchase of Arogya Sanjee...

    Arogya Sanjeevani Policy is a standard health plan that covers basic health-related requirements of the full family. I checked the details of the plan on insurancedekho and I was convinced to buy it. Without further delay, I started comparing premiums and selected Manipal Cigna’s Arogya Sanjeevani Policy.

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    S
    By Shovan Ganguly
    On: Feb 03, 2021
  • Available Aarogya Sanjeevani P...

    I came to know about the basic health insurance policy named Arogya Sanjeevani Policy from a friend and I wanted to issue it for my family. I did not know from where I could issue it and which insurance company to choose. I landed on InsuranceDekho issued Manipal Cigna Arogya Sanjeevani Policy.

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    J
    By Jitendra Pandey
    On: Jan 11, 2021
  • Helpful customer team

    No matter what time it is, you can contact the customer team of InsuranceDekho all the time. They will guide you through. They helped me a lot during the purchase of Manipal Cigna’s Arogya Sanjeevani Policy. Best compliments to the team!

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    T
    By Tridib Mukherjee
    On: Dec 17, 2020
  • Dynamic support team

    The support team of InsuranceDekho is dynamic. I was checking the website and I had some queries. I decided to talk to the support team. Their active assistance helped me to buy Manipal Cigna’s Arogya Sanjeevani Policy.

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    D
    By Debaloy Ghoshal
    On: Dec 11, 2020
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ManipalCigna Arogya Sanjeevani Policy Brochure

  • 127.24 KB
  • PDF Document
  • Apr 13, 2020
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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.

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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.

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