With a deep focus on health and wellness, ManipalCigna Health Insurance, offers a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet the diverse health needs of its customers. ManipalCigna Health Insurance is a joint venture between Manipal Group, an eminent player in the field of healthcare delivery and higher education in India and a global health services company from USA, Cigna Corporation.
ManipalCigna Health Insurance is delivering a wide range of insurance products to help the people they serve take control of their total health and well-being. The company is dedicated to delivering wellness, comfort, health, peace of mind and excellent healthcare without burdening its customers with any financial crises.
ManipalCigna Lifetime Health Plan
ManipalCigna Lifetime Health is an insurance plan launched by ManipalCigna which is designed to cover a family’s and individual’s global and domestic healthcare requirements at different stages of life. This policy provides comprehensive global and domestic coverage for Indian citizens residing in India.
It is one of the best plans for men and women throughout their life, with the best healthcare facilities to cover treatments in India or overseas. ManipalCigna Lifetime Health is among the rare plans with sum insured starting at INR 50 lacs and going up to INR 3 crores with reasonable premiums in the Indian market.
Post the Covid-19 pandemic, customer’s thoughts toward health insurance have subsequently changed from ‘do we need health insurance’ to ‘how much cover do we want’. Keeping in mind increasing healthcare expenses, ManipalCigna’s newest plan is put together as a comprehensive health care financing solution to secure customers from unforeseen expenses.
The plan comes with two variations. Firstly, Lifetime Health Global Plan, which is a combination of global and domestic coverage for hospitalizations as well as relevant expenses. Secondly, Lifetime Health India Plan that provides coverage towards hospitalizations and associated expenses in India. Apart from two variants, the plan comprises optional packages like Health+, Global+ and Women+ along with a critical Illness rider.
Features of ManipalCigna Lifetime Health Plan
The company is committed to offering its customers an easy and lifetime access to quality healthcare so they can live a healthier and more secure life. The result is the development of the wide range of innovative health insurance plans, supported through excellent customer services. ManipalCigna makes access to quality healthcare more affordable, predictable and simple to individuals. Here are some of the features of ManipalCigna Lifetime Health Plan.
- Safeguard yourself against the major expenses with critical injuries, illnesses and conditions that need hospitalization, day-care or home treatment.
- Pre-existing illnesses are covered after a 2 years of continuous insurance coverage plan.
- Premium paid for this policy is applicable for tax deduction under section 80D of the Indian Income Tax Act.
- It also covers the medical cost involved before and after the hospitalization of an insured person.
- Medical expenses or the charges incurred by the insured person after he or she is hospitalized will be covered under this plan.
- Medical expenses which are incurred on inpatient hospitalization for AYUSH are covered under this policy.
- Road ambulance, donor expenses, and domiciliary expenses are covered under the product.
- If an insured person is 18-years-old or above, they can opt for a comprehensive annual health checkup at the insurance provider’s network from the first policy year.
- This plan will cover the expenses incurred during the modern and advanced treatment
- Apart from the above domestic coverage Global plan will also cover the medical expenses of an insured person for listed 27 major illnesses outside India within opted Area of Cover.
Benefits of ManipalCigna Lifetime Health Plan
Health insurance plans offered by ManipalCigna protect both men and women as well as their families. The benefits of ManipalCigna Lifetime Health plan are outlined below.
- Comprehensive coverage for global and domestic coverage separately. No cap on room rent for hospitalization outside India under global coverage plan.
- Lifetime renewal of the sum insured to ensure you do not run out of cover for any unforeseen illness.
- You can customize your coverage plan as per your requirement. You can choose Women+, Health+, and Global+ optional package with critical illness rider along with the basic plan.
- You will also get an access to worldwide treatments and advance medical facilities under global coverage
- With Premium Waiver Benefit one policy year premium is waived off on occurrence of any covered contingencies.
- You get lots of discounts and rewards on renewal premium payments. Loyalty discounts are applicable from 4th year onwards.
- A family discount of 15% is applicable on covering 2 or more members under single policy.
- Health check-up for adults is free of cost once in a year.
What’s Covered & Not Covered in ManipalCigna Lifetime Health India Plan
Let us overview about what is covered and what is not covered under the Lifetime Health India plan offered by ManipalCigna.
| What’s Covered | What’s Not Covered |
| Hospitalization Expenses | Cosmetic or Plastic Surgery |
| Pre-hospitalization | Obesity/Weight Control |
| Post-hospitalization | Investigation & Evaluation |
| Day Care Treatment | Rest cure, rehabilitation and respite care |
| Road Ambulance Cover | Change-of-Gender treatments |
| Donor Expenses | Breach of law |
| Inpatient Hospitalization for AYUSH | Hazardous or Adventure sports |
| Adult Health Check-up | Treatment received outside India |
| Modern and Advanced Treatments | Excluded Providers |
| Domiciliary Expenses | Treatments received in heath hydros, nature cure clinics, spas or similar establishments |
| Restoration of Sum Insured | Unproven Treatments |
| Mental Care Cover | Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. |
| Premium Waiver Benefit | Sterility, Maternity and Infertility |
| Robotic and Cyberknife Surgery | Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances. |
| HIV/AIDS and STD Cover | Refractive Error |
Conclusion
With the technology and advancement of the healthcare industry, insurance providers launch various customized products and services to fulfil the requirements of the people. ManipalCigna Health Insurance is a leading name and a standalone health insurance company.
The company is bringing a wide range of insurance products to meet diversified medical needs of their customers. Do visit their website, www.manipalcigna.com I am sure you will find the right health insurance plan with a wide range of customized products and services.
