Frequently Asked Questions

A comprehensive group plan that provides health care solution to Employer – Employee and Non Employer – Employee segments (Affinity Groups like Bank Savings A/c holders, Club Membership holders, Students of Educational Institutes and more). Product offers a set of benefits including:

• Tailor made package for essential in-patient care extendable to cover medical travel expenses too
• Multiple solution for Hospitalization, Daycare to Out-patient treatment expenses 
• Range of different options to combine with Hospitalization/Out-patient expenses
• Maternity Expenses, New Born cover, Emergency Evacuation, Repatriation, Out of area cover, Dental, Vision cover, Hospice and palliative care, Travel vaccination, Complementary treatments, Cancer cover and more
• Host of options for cost effective plans - Co-pay, Deductible, Waiting period inclusion and Maximum limit on Out of pocket expense
• Wellness package for Health and Well-being
• Easy access to quality health care around the world

Yes. We will cover the medical expenses towards the enteral feeding during in- patient hospitalization provided it is medically necessary & prescribed by Medical Practitioner.

Yes. Under an in-Patient hospitalization we will cover medical expenses towards the artificial life maintenance, including life support machine use as certified by the treating medical practitioner.

Yes. Under an in-Patient hospitalization we will cover medical expenses towards a Medically Necessary Modern and Advanced Treatment of the Insured Person subject to illness/injury.

In-patient hospitalisation covers medical expenses of an insured person for illness or injury that requires hospitalization for more than 24 hours up to the Sum Insured specified under the Policy Schedule/ Certificate of Insurance. These medical expenses includes.

i. Room charges                                                                                                                                        
ii. Charges for accommodation in ICU/CCU/HDU,
iii. Hospitalization charges,
iv. Operation theatre cost,
v. Surgical Procedures,
vi. Minor Surgical Procedures,
vii. Day Care Treatment,
viii. AYUSH Treatment for In-patient Hospitalization (In India Only),
ix. Medical Practitioner fees,
x. Specialist fee,
xi. Surgeon’s fee,
xii. Anaesthetist fee
xiii. Radiologist fee,
xiv. Pathologist fee,
xv. Assistant Surgeon fee,
xvi. Qualified Nurses fee,
xvii. Medication,
xviii.Cost of diagnostic tests as an In-patient such as but not limited to radiology, pathology tests, X-rays, MRI and CT scans, physiotherapy and drugs, consumables, blood, oxygen.
xix. Surgical appliance and/or Medical Appliance.

Under Base 1 cover per day room rent allowance is restricted up to Private room for Hospitalisation outside India and any hospital room except suite and above, for hospitalisation in India .For ICU hospitalization, the limit is capped upto Sum Insured opted under Base 1.

Yes, we will reimburse expenses incurred toward transportation of the insured person by a registered ambulance provider to a hospital for treatment of illness or injury. Cover against Air Ambulance is also available up to Sum Insured, if opted.

Yes, under Out-patient Expenses you have option to include cover against over the counter medicines.

We cover medical expenses towards Human Immunodeficiency Virus (HIV)/or HIV related illnesses, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) and/or any mutant derivative or variation thereof including pre and post diagnosis consultation, routine check-ups, drugs, dressing, hospital accommodation and nursing fees provided this optional cover is opted in respect of the insured person.

Yes, In-patient psychiatric or psychological treatment of an insured person is covered only if opted. Waiting period if any and coverage amount will be specified under the Policy Schedule/Certificate of Insurance.

Yes, these are available as optional covers. If opted, coverage details and Sum Insured will be
specified under Policy Schedule/Certificate of Insurance.

Any one or combination of following with separate or combined Sum Insured can be selected.

i. Routine or Elective Caesarean.
ii. Complicate Pregnancy – Covers medical expenses arising during antenatal stages or pregnancy or childbirth which require obstetric procedure and post natal check-up upto 6 weeks.
iii. Pre & Post Natal Care – Covers costs up to 6 weeks, prescribed pre natal vitamins & associated delivery cost.
iv. New Born Cover- Covers medical expenses towards treatment of the new born until discharge or no. of days specified.  
v. Maternity Assistance & Mid-wife charges
vi. Birthing Classes Charges

Yes, We will cover medical expenses of an insured person which are incurred towards pre and/or post hospitalization provided Out-patient Cover is opted and specified under the Policy Schedule/ Certificate of Insurance.

Sub-limit covers the medical expenses towards specified treatment/illness /surgical procedure upto the limit specified in the policy schedule. In case of multiple Sub-limits applicable to a single claim then lower value of such Sub limit shall apply.

It covers medically necessary out-patient expenses towards Physiotherapy, Acupuncture and Acupressure, Chiropody and Chiropractic, Osteopathy, Homeopathy, Ayurveda. Coverage details will be stated in the policy schedule.

Travel Vaccinations are medically required vaccinations taken by the Insured only before commencement of his/her travel.

Adult Vaccinations are medically required preventive vaccinations that can be taken anytime within the policy period.

Dental expenses cover is available on optional basis. It covers expenses incurred by the insured person towards:

Class 1 (Investigative & Preventative Treatment) , Class 2 (Basic Restorative, Periodontal Treatment), Class 3 (Major Restorative & Orthodontic Treatmen)

Note: Orthodontic treatment and associated costs shall be available for children below 18 years of Age only and a pre-authorization need to obtained from Us in writing for claims

Infertility Treatment cover (if opted) provides for medical expenses towards diagnostic infertility services undertaken by the insured person to determine cause of infertility, treatment and procedures. Coverage amount and limits on maximum treatment/attempts will be specified under the Policy Schedule/ Certificate of Insurance

The Policy provides Hospital Daily Cash option to take care of the incidental expenses during hospitalization period. Hospital Daily Cash benefit provides protection for you, your spouse as well as children (as covered). The benefit will be paid for each completed 24 hours of hospitalization.

Coverage amount and limits on maximum days covered will be specified under the policy Schedule / certificate of Insurance.

ManipalCigna Global Health Group Policy offers below area of cover:

South Asia, Asian Middle East, African, Asia Pacific including or excluding Hong Kong & Singapore, India, Europe, Canada, Latin America & Caribbean island countries.

Note : (For a specific group, the area of cover may be limited to any particular country or region Eg:- A Group can opt coverage for only Germany which is part of Europe).

Area of coverage opted in the policy will be detailed in the Policy Schedule/ Certificate of Insurance.

The policy is available on a Group platform for Employer – Employee and Non Employer – Employee/Affinity Group (for eg. Bank’s saving A/c holders, students of educational institutes, Club Members). The policy provides coverage to Employee’s Dependent Partner/Spouse, Dependent Children, and Parents.