Frequently Asked Questions

We will increase the sum insured by 5% for each policy year up to a maximum of 50%

Yes, you can renew this policy for lifetime except on grounds of non disclosure, eastablished fraud, misrepresentation by the insured person.

Following are the key benefits available under Arogya Sanjeevani Policy :

I.  In-patient hospitalization
II.  Pre-hospitalization
III.  Post hospitalization
IV.  AYUSH Cover
V.  Day care treatment
VI.  Ambulance cover
VII.  Cataract Treatment
VIII.  Cumulative Bonus
IX.  Modern Treatments

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.

The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.

We will cover Inpatienthospitalisation/day – care procedures expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognized institute.

The applicable waiting periods are listed below:

Pre-existing Diseases Waiting Period: Pre-existing diseases will be covered after 36 months of continuous coverage under this plan.

First 30 days Waiting Period: A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalization claims except in case of accidents and policies accepted under portability norms.

Waiting Period for specific illness: Waiting Period of 24/36 months will be applicable for some specific illnesses as mentioned in policy terms and conditions.

There will be waiting period of 36 months for pre-existing diseases. Loading (if any) will be subject to the underwriting decision and applicable on acceptance by the policy holder.

1. Rs 50,000
2. Rs 1 Lac
3. Rs 1.5 Lacs
4. Rs 2 Lacs
5. Rs 2.5 Lacs
6. Rs 3 Lacs
7. Rs 3.5 Lacs
8. Rs. 4 Lacs
9. Rs 4.5 Lacs
10. Rs 5 Lacs
11. Rs 5.5 Lacs
12. Rs 6 Lacs.
13. Rs 6.5 Lacs
14. Rs 7 Lacs.
15. Rs 7.5 Lacs
16. Rs 8 Lacs.
17. Rs 8.5 Lacs
18. Rs 9 Lacs.
19. Rs 9.5 Lacs
20. Rs 10 Lacs

The following procedures will be covered (wherever medically indicated) either as inpatient or as a part of day care treatment in a hospital up to 50% of Sum Insured, specified   in the policy schedule, during the policy period:

A. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
B. Balloon Sinuplasty
C. Deep Brain stimulation
D. Oral chemotherapy
E. immunotherapy-  Monoclonal Antibody to be given as injection
F. Intra vitreal injections
G. Robotic surgeries
H. Stereotactic radio surgeries
I. Bronchical Thermoplasty
J. Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 
K. IONM - (Intra Operative Neuro Monitoring)
L. Stem cell therapy:  Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

The below mentioned discounts are available:

Family Discount -  15% for covering 2 or more family members under single individual policy

Worksite Discount -  A discount of 10% will be available on polices which are sourced through worksite marketing channel.

Online Renewal Discount -  A discount of 3% p.a. on the premium from next renewal, if the premium is received through NACH or Standing Instruction (where payment is made either by direct debit of bank account or credit card.).

Minimum entry age for Adult is 18 years and for children it is 3 months (91 days)

Maximum entry age for Adult is 65 years and for children it is 25 years (Children should be financially dependent).

The Company at its sole discretion, reserves the right to modify, add or restrict any network hospital for cashless services available under the policy. Before availing the cashless service, the policy/holder insured person is advised to check the applicable list of network hospitals. Please contact our Customer Care no. 1800-102- 4462 or you can write to us at customercare@manipalcigna.com for assistance.

For monthly payment frequency, 2 months premium to be paid in advance and instalment/renewal premium payment through NACH or standing instruction (where payment is made either by direct debit of bank account or credit card).

The payment frequencies available are: annual, half-yearly, quarterly and monthly.

Yes, you can migrate from Arogya Sanjeevani Policy to other ManipalCigna policy subject to satisfying all the terms and conditions related to migration.

Yes, you can port from other health insurance policy to this policy if you have been covered under an Indian retail health insurance policy, from Non-Life Insurance or Health Insurance company registered with IRDAI, without any break in the immediate previous policy and subject to satisfying all the terms and conditions related to portability guidelines.

You can claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy. For premiums paid in cash, tax benefit u/s 80D shall not be applicable. Please consult your tax advisor for more details.

You can call us at 1-800-10-24462, visit the nearest branch or visit ManipalCigna
website www.manipalcigna.com and we will help you with the purchase process.

There is no optional cover available under Arogya Sanjeevani Policy.