ManipalCigna Arogya Sanjeevani Health Insurance

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.

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.

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.

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.

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.

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.

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

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.

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.