ManipalCigna Lifetime Health Insurance Wordings

Apart from self, you can cover your legally wedded spouse, children up to the age of 25 years, parents, and parents-in-law under this policy. If covered on a floater basis, you can include a maximum of 2 adults and 3 children under a single policy. You can either opt for a combination of self and spouse or mother or father or mother-in-law or father-in-law. 

If covered under the policy, you will be offered protection for in-patient hospitalisation expenses which includes hospitalisation expenses for admission more than 24 hours, up to the full sum insured, if the hospitalisation is in India. For sum insured of up to Rs. 2 Crores, the expenses will be covered up to any room except suite or higher category. While for sum insured of Rs. 3 Crores, it will be covered for up to any room type including suite category. Kindly note that the benefits are available in both the plan variants namely India Plan and Global Plan.  

Yes. The policy comes with the following optional packages which you can choose as per your requirement: 

• Health+: The benefit is offered on an individual basis and the sum insured or limits specified to the cover is over and above the base plan. It includes air ambulance cover, domestic second opinion, bariatric surgery cover, major illness hospicash, etc. 
• Women+: This cover is available for females aged at least 12 years. The benefit is available on an individual basis wherein the sum insured or limits specified is over and above the base policy. It covers breast cancer screening, cervical cancer screening, gynaecological consultations, psychiatric and psychological consultations, etc. 
• Global+: This optional package is available for all the people insured under this policy. You can select this package at the entry level if you opt for the global plan. It covers you for global hospicash, global convalescence benefit, global outpatient expenses, travel expenses benefit, global second opinion, etc.   

Apart from coverage benefits, the policy also offers you a grace period of 15 days or 30 days as applicable for renewal with all continuation benefits, flexibility to pay the premium in monthly, quarterly, half-yearly, yearly instalments, and discounts such as family discount, long-term discounts, and online renewal discount. 

The policy comes with the following waiting periods: 

• Initial waiting period: 30 days
• Waiting period for specific illnesses: 24 months
• Waiting period for pre-existing diseases: 24 months
• Waiting period in case of critical illness add-on cover: A 90 days waiting period and 30 days survival period

The minimum entry age for this policy for a child is 91 days and for an adult is 18 years, whereas the maximum entry age for a child is 25 years (in family floater policy), and for an adult is 65 years. Kindly note that the global plan is available to all insured people if they are Indian residents at the policy inception as well as at subsequent plan renewals. 

Under Global Plan, you are covered for the following expenses: 

• Global hospitalisation for major illness
• Global pre-hospitalisation and post-hospitalisation
• Global ambulance cover
• Medical evacuation
• Global travel vaccination
• Global robotic and cyberknife surgery
• Global modern and advanced treatments
• Repatriation of mortal remains
• Medical repatriation
• Repatriation of mortal remains

The policy comes in two variants, namely India Plan and Global Plan and the sum insured options offered in both of them are Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 Crore, Rs. 1.5 Crore, Rs. 2 Crore, and Rs. 3 Crore.

The policy covers you for artificial life maintenance expenses including life support machine use, even in case these treatments do not result in recovery or restoration of the previous state of health in any case unless in a vegetative state if it is certified by the treating medical practitioner. 

Yes. You can avail of the tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.