ManipalCigna Lifetime Health Insurance

Lifetime Health Insurance Policy offered by ManipalCigna Health Insurance is a reliable medical insurance policy that offers comprehensive coverage for domestic and global healthcare expenses. The policy comes in two variants namely India Plan and Global Plan wherein the former offers coverage to the insured within India and the latter offers it within India as well as abroad. The ManipalCigna Lifetime Health Insurance Plan provides coverage at every stage of life and thus is a preferred choice for many individuals. Read on to learn more about the ManipalCigna Lifetime Health Insurance Plan.

ManipalCigna Lifetime Health Insurance Plan at a Glance

Highlights of Manipal Cigna Lifetime Health Insurance Plan are mentioned in the below table:

Coverage	Family and individual
Riders	Critical illness rider
Variants	India Plan and Global Plan
Key features	High sum insured, Unlimited restoration benefits, etc
Inclusion	Pre and post hospitalisation expenses, Modern treatment, AYUSH treatment, etc
Exclusion	Gender change treatment, Infertility treatment, Any unproven treatment, etc

Features of ManipalCigna Lifetime Health Insurance Plan

Some of the key features of the ManipalCigna Lifetime Health Insurance Plan are as follows:

• Coverage: The policy offers coverage to eligible people, on an individual as well as family floater basis. On an individual basis, the policy covers you, your legally wedded spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, son-in-law, daughter-in-law, aunt, uncle, niece and nephew. In contrast, on a family floater basis, you can cover yourself, your legally wedded spouse, children up to the age of 25 years, parents, and parents-in-law under this policy.

• Sum insured: There are high sum insured options available in the ManipalCigna Lifetime Health Insurance Plan ranging between Rs. 50 lakhs and Rs. 3 crores which you can choose as per your requirements. Depending on the sum insured you choose, the health insurance premium will accordingly vary.

• Global Coverage: Unlike many traditional health insurance plans, the ManipalCigna Lifetime Health Insurance Plan provides comprehensive global coverage. With global coverage, you can get treatment for most critical illnesses including cancer.

• Premium Payment Mode: The ManipalCigna Lifetime Health Insurance Plan provides policyholders the option to pay premiums on an installment basis. You can pay the premium either on a monthly, quarterly, half-yearly, or yearly basis. You can even opt for annual premium options.

Eligibility Criteria of ManipalCigna Lifetime Health Insurance Plan

To buy the ManipalCigna Lifetime Health Insurance Plan, you need to fulfill the below-mentioned eligibility criteria:

Parameters	Eligibility Criteria
Minimum entry age for a child	91 days
Maximum entry age for a child	25 years
Minimum entry age for adult	18 years
Maximum entry age for adult	65 years
Policy period	1, 2, or 3 years

Benefits of Buying ManipalCigna Lifetime Health Insurance Plan

Not sure why to buy ManipalCigna Lifetime Health Insurance Plan? Here are some of the reasons why you should buy the ManipalCigna Lifetime Health Insurance Plan:

• Restoration Benefits: With the ManipalCigna Lifetime Health Insurance Plan, you can get your sum insured restored for unlimited times in case it gets exhausted during a policy year.

• Coverages Outside India: The ManipalCigna Lifetime is a type of Health Insurance plan that also provides coverage outside the Indian subcontinent. Under global coverage, policyholders can get coverage for major illness, pre and post-hospitalisation, ambulance cover, medical evacuation, repatriation of mortal remains, teleconsultation, and a lot more. The only condition to be eligible for this global coverage is that the insured is a resident of India when buying the policy.

• Adult Health Check-up: At ManipalCigna, the wellness of the insured is of prime importance. Thus, with the ManipalCigna Lifetime Health Insurance Plan, you can also benefit from getting annual health check-ups at no additional cost. The annual health check-up benefit is given to policyholders at least 18 years of age.

• Other Coverage: In addition to those mentioned above, the ManipalCigna Lifetime Health Insurance Plan also provides coverage for hospitalisation expenses, daycare treatments, pre and post hospitalisation expenses, AYUSH treatment, road ambulance cover, domiciliary expenses, mental health cover, and a lot more. The expenses covered under these are dependent on the sum insured. You can also include several add-ons to the plan to boost its benefits even more.

• Discounts: The ManipalCigna Lifetime Health Insurance Plan also offers additional discounts to the policyholders so that they can save on health insurance premiums. With the ManipalCigna Lifetime Health Insurance Plan, you can get renewal discounts, loyalty discounts, long-term discounts, and a few more that will help you reduce your health insurance premiums.

Variants Available with ManipalCigna Lifetime Health Insurance Plan

The ManipalCigna Lifetime Health Insurance Plan is available in two variants: India and Global Plan. While most of the coverage offered under the two variants is the same, there are a few differences which have been enumerated below:

Parametres	India Plan	Global Plan
Area of cover	Domestic up to SI	Worldwide except USA and Canada up to SI
Global hospitalisation for major illness	Not covered	Covered for 27 major illness
Room rent capping	Yes	No room rent capping if the sum insured is Rs. 3 crores
Global vaccination cover	Not covered	Covered up to SI
Global medical evacuation	Not covered	Covered up to SI
Global modern treatment	Not covered	Covered up to SI
Global + add-on	Not available	Available

Add-ons Available with ManipalCigna Lifetime Health Insurance Plan

There are several optional packages available with the ManipalCigna Lifetime Health Insurance Plan that will help you customise your plan as per your changing needs. Listed below are some of these optional covers:

• Health+ Package: This package is available on an individual basis only and includes coverage for air ambulance, domestic second opinion, bariatric surgery, teleconsultation, and a lot more.

• Women+ Package: This includes coverage for breast cancer screening, cervical cancer screening, osteoporosis screening, and all other women-related problems.

• Global+ Package: This covers expenses related to hospital cash, outpatient expenses, second opinions, and a few more.

• Critical Illness Rider: This rider provides coverage for 11 listed critical illnesses.

Inclusions and Exclusions of ManipalCigna Lifetime Health Insurance Plan

Inclusions:

• Hospitalisation Expenses: This includes expenses related to hospitalisation that is for at least 24 hours. The expenses covered are up to the sum insured.
• Daycare treatment: All daycare treatment is covered within the sum insured.
• Pre-hospitalisation Expenses: Covered for up to 60 days
• Post-hospitalisation Expenses: Covered up to 180 days
• AYUSH treatment: This includes coverage for AYUSH treatment within the sum insured
• Road ambulance cover: Covered up to the sum insured
• Domiciliary expenses: Covered up to 10% of the sum insured
• Modern treatment: It includes coverage for modern treatment up to the sum insured
• Mental health cover: Up to the sum insured
• Robotic surgery: Up to the sum insured

Exclusions:

• Obesity or weight control treatment
• Change of gender treatment
• Any expenses due to adventurous activity
• Change of gender treatment
• Any treatment related to drug abuse
• Maternity treatment
• Any unproven treatment
• Maternity related expenses

Documents Required to Buy ManipalCigna Lifetime Health Insurance Plan

Listed below are the documents required to buy the ManipalCigna Lifetime Health Insurance Plan:

• A duly filled application form
• Aadhaar card
• PAN card
• Bank account details
• Copy of medical reports
• Pre-existing conditions details
• Nominee details
• Previous medical insurance copy

How to Buy a ManipalCigna Lifetime Health Insurance Plan?

Here are some easy steps in which you can buy a ManipalCigna Lifetime Health Insurance Plan with InsuranceDekho:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "ManipalCigna Health Insurance" from the list of health insurance companies.
• Then, select " Lifetime Health Insurance Plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of ManipalCigna Lifetime Health Insurance Plan

The two types of claims you can raise along with your ManipalCigna Lifetime Health Insurance Plan includes cashless claim settlement and reimbursement claim. Under a cashless claim, you need not spend anything from your pocket, however in a reimbursement claim, you first spend from your pocket which will later get reimbursed.

Cashless Claim Prcocess

• Visit a nearby network hospital
• Inform the insurance company about the hospitalisation and fill out the pre-authorisation form
• Submit documents such as policy paper and others along with the form to ManipalCigna
• ManipalCigna will then verify all the documents
• Once, everything has been approved, the hospital bills will be directly settled by ManipalCigna

Reimbursement Claim Process

• Visit a non-network hospital
• Under reimbursement claim, you need to first pay for the medical expenses from your pocket
• Next, raise a claim on the ManipalCigna website
• Submit all the documents along with your claim form
• ManipalCigna Health will then verify the claim request
• Once approved, all the medical expenses will be reimbursed