Manipal Cigna Lifetime Health

Manipal Cigna Health Insurance

Claim settlement ratio 99.90% (FY 2021-22)

NCB* 25%, up to 200%

PED Waiting# 24 months

Network Hospital 8500+

Get all your insurance related queries answered for FREE

Paybima's Right Advisor = Expert Solutions

Overview of ManipalCigna Lifetime Health

ManipalCigna Lifetime Health is a feature-loaded and comprehensive health insurance policy that puts the health of the insured first. This is a plan that you can rely on to take you through the tough times of health emergencies.

USP features of ManipalCigna Lifetime Health Insurance Policy

  • With ManipalCigna Lifetime Health, you can enjoy unlimited restoration of sum insured within a policy year
  • The plan comes with a premium waiver benefit for one policy year if the insured is diagnosed with a critical illness listed under the policy
  • The policy also allows the insured to enjoy portability continuity benefit
  • It offers health check-ups for all adults above 18 years of age once every policy year starting from the first year of the policy
  • You can also avail the option of global ambulance cover under this plan

What’s not covered under ManipalCigna Lifetime Health Insurance Policy?

  • The plan doesn’t cover the expenses of any illnesses resulting from the breach of law committed by the insurer
  • It doesn’t cover expenses of treatment caused due to contamination from nuclear fuel or radiation
  • Expenses of any injury caused by foreign invasion or civil war are also not covered by the plan
  • Injuries/diseases and their subsequent expenses arising because of war or war like situations are also not covered under the plan
Frequently asked questions

The waiting period for PED or Pre-existing disease under ManipalCigna Lifetime Health is 24 months. So, you can get coverage for your pre-existing diseases only after 2 years of continuous renewal of the policy.

Yes, you can purchase insurance online without any hassles from the official website of the company.

Just call at the Toll-Free Helpline number 1800-419-1159 or write to

  • * The policy offers guaranteed cumulative bonus of up to 200% of Sum Insured.
  • # Expenses related to the treatment of a pre-existing disease (PED) shall be excluded until the expiry of 24 months from the date of policy inception.