Manipal Cigna Lifetime Health Insurance Plan

4.5

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Policy Wording

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Investing in a comprehensive health insurance plan that promises to step in in case of an emergency has become a necessity, especially with medical inflation skyrocketing in India. Enters Manipal Cigna Lifetime Health with its comprehensive coverage plan and unique features, including easy restoration of sum insured, portability, continuity, and more.

Manipal Cigna Health Insurance has emerged as a reliable insurance company, offering plans tailored to the needs of every individual. Let’s explore the Manipal Cigna Lifetime Health plan in detail to make an informed decision.

Highlights of Manipal Cigna Lifetime Health

Network Hospitals Available - 8500+

Waiting Period for PED – 24 months

Claims Settlement Ratio – 99.96%

Policies Issued – 18 million+ customers served

Sum insured up to ₹3 crores.

Global network and hospitalisation option.

Multiple continuity benefits.

Easy access to global, modern and advanced treatments

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Particulars	Details
Policy Name	Manipal Cigna Lifetime Health
Insurance Company	Manipal Cigna Health Insurance Company Ltd.
Sum Insured	Starting from ₹50 lakhs to ₹3 crores
Add-Ons	Optional packages Cash Benefits Women Specific BenefitsGlobal Benefits
Waiting Period	Initial Waiting Period is 30 days Specific Ailment Waiting Period is 24 monthsPre-existing Diseases Waiting Period is 24 months
Policy Type	Individual Policy Family Floater Policy

Features and Benefits of Manipal Cigna Lifetime Health

Investing in a plan like Manipal Cigna Lifetime Health comes with multiple benefits for individuals of different age groups. Let’s take a look at the key features and benefits of the plan in detail:

1

Comprehensive Coverage

The plan is carefully designed to offer comprehensive coverage that addresses varying needs and ensures a safety net for all types of medical care. Here’s what you need to know about the plan’s coverage:

Individuals can opt for a sum insured of up to ₹3 crores, both within and outside India
The plan offers two variants: the India Plan and the Global Plan.
There are treatments for 27 listed illnesses that are available both within and outside India.
Guaranteed cumulative bonus of 15% of the sum insured within India, each policy year. Additionally, there is no capping on accumulation.

2

Enhanced Control

Through both domestic and global coverage, individuals are better equipped to control the plan and take maximum advantage. Here’s how

The plan offers worldwide medical emergency hospitalisation, so access to the finest medical facilities is never a hassle.
The plan provides coverage for both road and air ambulances, whether within or outside India.
Access to global modern and advanced treatment for injuries, illnesses or diseases.

3

Wholesome Care

In addition to its comprehensive coverage, the plan offers extensive care with multiple other benefits, like:

Continuity benefits apply to the entire sum insured for individuals with an existing base sum insured of ₹10 lakhs or above.
Individuals who have opted for a sum insurance of ₹3 crores can enjoy the benefit of no room rent capping for hospitalisation around the globe.
Invested in the plan for four consecutive years? Enjoy exciting loyalty discounts on premiums.

Wish to Enhance Your Coverage? Take a Look at the Riders Available

In addition to the base coverage, the policy also offers a wide range of riders that allow individuals to create a customised policy that meets all their requirements. Take a look at some of the riders available:

1

Health+

The Manipal Cigna Lifetime Health plan has exciting options under this optional package, like:

Air Ambulance Cover
Expenses incurred on air ambulance services are covered for each insured member once per policy year.
Domestic Second Opinion
Provides easy access to a domestic second opinion at network hospitals, in case the insured person has been diagnosed with a major illness.
Bariatric Surgery Cover
Expenses incurred for treatment related to bariatric surgery are covered.
Medical Devices and Non-Medical Items
Expenses incurred for certain medical or non-medical items/devices during and after hospitalisation are covered.
Cash Benefits
Under this, individuals can enjoy multiple cash benefits like:
Accidental Hospitalisation Cash
Individuals hospitalised for 24 hours or more due to an injury from an accident are offered daily cash benefits.
Chemotherapy and Radiotherapy Cash
Individuals can get cash benefits for chemotherapy and radiotherapy performed in daycare treatment.
Major Illness Hospitalisation Cash
Individuals hospitalised for 24 hours or more for treatment of a major illness can receive daily cash benefits.
Convalescence Benefit
For loss of income during hospitalisation for 10 or more consecutive days, a lump sum amount is provided.

2

Women Specific Add-Ons through Women+

The policy has specific add-ons for women, like:

Screening
Screening for diseases and complications like Ovarian Cancer, Cervical Cancer, breast cancer, Osteoporosis, etc, is covered.
Gynaecological Consultation
Every insured female can get up to 15 outpatient gynaecological consultations.
Cervical Cancer Vaccination
Vaccination up to ₹2,500 per dose is covered.

3

Global+

Individuals can enhance the coverage with add-ons under Global+, like:

Hospitalisation and Medical Expenses
Expenses incurred on global hospitalisation, out-patient expenses etc are provided.
Global Second Opinion
Provides easy access to a global second opinion at network hospitals, in case the insured person has been diagnosed with a major illness.
Travel Expenses
Upto ₹5 lakhs are provided to the insured person travelling outside for medical treatment for listed major illnesses.

4

Additional Cover

There are several additional cover options, like:

Critical Illness
In the event of the first diagnosis of a critical illness (covered), the insurer provides a lump sum amount equivalent to the sum insured.
Shield
Provides coverage for listed non-medical items upto the sum insured. Additionally, coverage for durable medical equipment upto the amount of ₹1 lakh is also promised.
Advance
Under this, the insured receives coverage for any type of room expenses, unlimited restoration of the sum insured for related illnesses or injuries, and air ambulance services. This is in addition to the base sum insured.

Manipal Cigna Lifetime Health: What is Covered?

Before investing in a health insurance policy, it is important for individuals to evaluate the base coverages carefully:

1

Coverages During Hospitalisation

The policy has multiple coverages in case the insured is hospitalised, including:

In-Patient Hospitalisation
Pre- and Post-Hospitalisation
Donor Expenses
Modern and Advanced Treatments
Mental Care Civet
Robotic and Cyberknife Surgery
Road Ambulance Cover

2

Coverage Without Hospitalisation

Under this, the insured can take advantage of coverage even without hospitalisation. This includes:

Day Care Treatment
Domiciliary Expenses

3

Restoration of the Sum Insured

100% restoration of the sum insured is provided for multiple hospitalisations for unrelated illnesses or diseases during one policy year.

4

Health CheckUp

Insured individuals who are 18 years of age or older at the time of policy purchase can receive a health check at a network hospital.

5

Premium Waiver

In case of accidental death or listed critical illness, a one-year premium waiver is allowed.

6

Global Coverages

The policy has a long list of base coverages outside India as well, including:

Global Hospitalisation for Major Illnesses
Global Pre and Post-Hospitalisation
Global Ambulance Cover
Global Robotic and Cyberknife Surgery
Global Modern and Advanced Treatments

Pros & Cons of Manipal Cigna Lifetime Health

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

Our verdict

Investing in a robust health insurance plan is a step towards safeguarding yourself from rising medical inflation. Life is unpredictable, and with rising medical expenses, you don't want to be stuck in a financial crisis during an unfortunate event. Manipal Cigna Lifetime Health is a comprehensive plan designed to cater for the needs of every individual. You can enhance the coverage with riders to achieve more comprehensive coverage.

Head to Paybima and purchase the plan from the comfort of your own home.

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Manipal Cigna Lifetime
Health Insurance Company

Manipal Cigna is a standalone health insurance provider in India which is formed as a joint venture between the Manipal Group and Cigna Corporation. The company offers a range of health insurance solutions for both its retail and corporate clients. With a presence across 769 cities in India, it is easy to reach the company to buy a policy or for any required assistance.

Founded in

2014

Turnover (GWP)

INR 746 crore

JV Partners

Manipal Group & Cigna Corporation

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.08%

% of Complaints received on overall claims
% customers unhappy with claims experience

Relatively low

Claims Incurred Ratio

76.17%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

99.96%

No. of Cashless Hospitals

8500+

Benefits of Manipal Cigna Lifetime Health

In-patient Hospitalization
ICU Rent Limit	4% of SI per day up to INR 7000
Room Rent Limit	2% of SI, up to INR 3000
Pre & Post Hospitalization
Post-hospitalization expenses are covered	up to the Sum Insured
Post-hospitalization expenses are covered for up to	180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses covered up to	60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	500+ Daycare treatments covered

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There is the option of buying this plan for one, two or three policy years by the Insured.

The minimum and maximum age of entry for adults is 18 years and 65 years, while it is 91 days and 25 years for children under floater plans.

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 [email protected].

The starting sum insured is ₹5 lakhs, and the maximum sum insured ₹3 crores under the Manipal Cigna Lifetime Health.

Policy tenure refers to the time period of coverage that you can get. An individual can purchase the policy for a tenure of 1/2/3 years. Please note that the policy can be easily renewed at the end of each term.

The waiting period indicates the minimum time that insurance companies must wait to offer coverage for a particular benefit. For instance, under the Manipal Cigna Lifetime Health plan, the waiting period for pre-existing diseases is 24 months; such diseases declared at the time of policy purchase will be covered after 24 months.