Frequently Asked Questions

The insured will be allowed a period of at least 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Free look cancellation & refund will be made within 7 days from the date of receipt of request.

There is a 15% annual cumulative bonus available under the product

After completion of 60 continuous months of coverage (including Portability and Migration) in health insurance policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of 60 continuous months is called as moratorium period. The moratorium would be applicable for the Sums Insured of the first Policy and subsequently completion of 60 continuous months would be applicable from date of enhancement of Sums Insured only on the enhanced limits. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract

AYUSH treatment refers to the medical and / or hospitalization treatments given under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems

The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period. For more details refer to the Policy Terms and Conditions.

ManipalCigna Lifetime Health offers high sum insured coverage for medical expenses towards Inpatient hospitalization, Day Care Treatment, Pre and Post hospitalization expenses.

It also provides coverage towards inpatient hospitalization/day care for  AYUSH, Donor expenses, Robotic and Cyber Knife Surgery , Modern and Advance Treatment , HIV/AIDS & STD cover, Mental Care, Restoration of Sum Insured and much more as part of inbuilt features.

Policy also offers the Global Plan covering 27 major illnesses including cancer across the Globe

Policy also offers Optional packages like Health+, Women+ and Global+ to customize the coverages .

The optional packages and Critical illness add-on can be opted by paying additional premium.

Grace Period of 30 days would be given for single ,Yearly, Half-yearly and Quarterly mode of payment and grace period of 15 days for monthly mode of payment would be given to pay the instalment premium due for the Policy

Insurance coverage that pays for medical and surgical expenses that are incurred by the insured person during the treatment of a disease or injury. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

You can buy this policy Online by visiting our website www.manipalcigna.com

If the Insured Person is hospitalised for a Medically Necessary treatment of an Illness/ Injury, covered under the Policy, We will offer assistance and support to You through Our concierge services.

For the purpose of this benefit, concierge services may include personal Hospital visit/s by Our representative, assistance in claim documentation and collection of documents at discharge, for speedy claim settlement.

This benefit is only a value added service provided by Us and if availed, will not reduce the Sum Insured¹ or Sum Insured²  The benefit is available once in a Policy year for each Insured Person.

These services shall be available only on pre-intimation of a planned Hospitalization and intimation of an Emergency Hospitalization as per the process defined in policy terms and conditions.

For the complete list of locations, where the service is available, You may contact Our customer care services at 1800- 102- 4462 or write to us at customercare@manipalcigna.com or visit Our website.

An Insured Person may avail tele-consultations with our Medical Practitioner(s) through our network. These consultations would be available through tele/chat mode.

This is an assistance service provided hence any claim under this section will not reduce the Insured¹ or Sum Insured²

Yes, one can buy ManipalCigna Critical Illness Add On cover along with Lifetime Health product. The Add On cover will be available on benefit basis by paying appropriate additional premium. This Add-on Cover will be available for all Insured Persons between 18 to 65 years.

We will provide a lump-sum benefit amount equivalent to the Critical Illness Sum Insured in the first diagnosis of the covered critical illness.

A waiting period of 90 days from the date of issuance of first policy and survival period of 30 days following the diagnosis of critical illness shall apply.

Note: For list of 11 covered critical illnesses refer CI add-on prospectus.

The Critical Illness Rider Sum Insured available shall be equal to Sum Insured.

If the Insured Person travels outside India, for the treatment of a covered Major Illness/es, We will pay a cash benefit, as per the opted Area of Cover, on account of travel expenses and associated costs, with respect of the Insured person. The benefit is available if the Insured Person opts for Global+ optional package.

Cash benefit based on Area of Cover (Outside India):

1. Worldwide  – Rs. 5 Lacs
2. Worldwide excluding USA and Canada – Rs. 3 Lacs

This benefit is available once in the lifetime of the Insured Person for each Major Illness covered under the Policy.

Claims under this section will not reduce the Sum Insured¹ or Sum Insured²

If the Insured Person undergoes medically necessary chemotherapy or radiotherapy as a Day Care Treatment without 24 hours of Hospitalization in India, then we will pay a cash benefit of Rs.2,500 for each sitting of Chemotherapy/Radiotherapy, maximum up to 12 sittings in a Policy Year if Insured Person opts for Health+ optional package.  Claims under this section will not reduce the Sum Insured.

Global Chemotherapy and Radiotherapy coverage is also available outside India, within the opted Area of Cover, if Global+ optional package is opted by the Insured Person. We will pay a cash benefit of Rs.25,000 for each sitting of maximum up to 12 sittings per person in a Policy Year when conducted in a Day Care Treatment (without Inpatient Hospitalization). Claims under this section will not reduce the Sum Insured.

 One can opt for Area of Covers available under the Global Plan as per their requirement and premium will be charged accordingly. Option to select any one as Area of Cover (Outside India), applicable to Global covers is as below:

i.  Worldwide

ii. Worldwide excluding United States and Canada.

In the first year, after upgrade of the ‘Area of Cover’, if the treatment is availed in United States or Canada, for each claim arising due to a Pre-existing disease, a co-payment of 50% will be applicable. This condition will be applicable only for the first year following the change of AOC.

The Insured Person can choose to change his Area of Cover only at the time of renewal.

This optional package is available to female of Age 12 years and above at the commencement of Policy with Us with respect to the Insured Person. Selection of this package is allowed at Policy level only. For cases where female child turns 12 years of Age after the commencement of the Policy, selection of ‘Women+’ shall be allowed at the first renewal immediately after this instance.If opted, benefits under the package will be available to each eligible female on individual basis, for Individual as well as family floater policies.

Benefits available under Women+ Package        

For more details refer policy schedule or terms & conditions.

If the Insured Person is hospitalised for a medically necessary treatment due to Major Illness or accident for each continuous and completed period of 24 hours of Hospitalization, we will pay lump sum amount as daily cash benefit as defined in your policy schedule. This benefit is available under Health+ and Global+ optional package.

For more details on the limits on Hospi Cash, kindly refer the policy terms and conditions.

If the Insured Person is hospitalised consecutively for a certain number of days or more and there is hospitalization claim admissible then we will pay a lump sum amount towards convalescence, provided the stay in the hospital is Medically Necessary. We offer convalescence benefit under Health+ & Global +.Under Health+ benefit is payable on consecutive hospitalization for 10 days or more, wherein a lump sum amount of Rs. 50,000 is paid. This amount is paid over and above base SI opted under India Plan. Under Global+ package this benefit is payable on 15 days or more consecutive hospitalization, wherein a lump sum amount of Rs. 10 Lacs is paid, provided the Hospitalization is towards treatment of a covered Major Illness and is availed outside India, in the opted Area of Cover. The benefit is payable only once towards each covered Major Illness, in the lifetime of the Insured Person. The amount is paid over and above SI opted under Global Cover.

Yes, We will cover the Medical Expenses incurred towards Medically Necessary Hospitalization of the Insured Person for Bariatric Surgery and its complications. This cover is available after a Waiting Period of 2 years from the inception of the ‘Health+’ with Us, with respect to the Insured Person. Benefit under this cover is payable maximum up to Rs. 5 Lacs and claim under this section will not reduce the Sum Insured.

Medical devices would include.