Content with PRODUCTS .
Is Nomination compulsory in this policy?
Yes, Nomination is mandatory in this policy
What is Tele - consultations feature in the product?
An Insured Person may avail tele-consultations with our General Physician through our network in India for the unlimited times. For the purpose of this benefit, tele-consultation shall mean consultation provided by a Medical Practitioner through various mode of communication available through tele/chat mode.
What is the Grace Period in the Policy?
Your health insurance grace period is the extra time that you are given in case you miss your policy renewal premium due date.
In case of monthly mode of payment, grace period will be 15 days, in any other case, grace period will be 30 days.
Which are the medical tests one needs to go through?
The list of medical tests will be communicated by ManipalCigna Health Insurance Company to the customer at the time of processing the insurance application as they will depend upon the Age, Sum Insured opted and any medical history declared at the time of application.
Is Medical Test mandatory for everyone?
Medicals will be triggered on the basis of the age of the insured, the plan type and sum insured selected.
** For details of medical tests kindly contact Customer Support Team, Health Advisor or Branch Service Desk.
Can I opt out of Gullak (Cumulative Bonus) before and after accumulating 1000% of Sum Insured?
Gullak is inbuilt cover in Param plan.
It is optional for Pratham & Uttam plan and can be opted out anytime however once if opted out the accumulated bonus will not be available in your policy
What do you mean by period of the policy?
The policy period is the defined timeframe during which an insurance policy is valid and provides coverage to the policyholder
ManipalCigna Sarvah comes up with the 1,2 or 3 years of tenure option.
Can the customer choose only one from optional covers?
Yes, customer can choose optional covers as per the requirement. Please refer policy wordings for details
Does the plan cover Pre-existing diseases?
Yes, our ManipalCigna Sarvah – Param covers the pre-existing disease without any waiting period (except initial waiting period)
Waiting period for pre-existing diseases shall be 36 months for Pratham and Uttam plan
What are the Permanent Exclusions?
Unless necessary endorsements or exemptions are made below diseases and expenses arising out of or attributable to any of the following will not be covered in the policy.
1. Investigation & Evaluation
2. Rest Cure, rehabilitation and respite care
4. Change-of-Gender treatments
5. Cosmetic or Plastic Surgery
6. Hazardous or Adventure sports
7. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
8. Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters
Above List is only indicative and not exhaustive. Please refer the Policy Wordings for detailed list.
Would I be able to avail of my medical & premium reimbursements in case my policy is rejected?
The pre-policy medical check-up cost will be paid by ManipalCigna Health Insurance Company.
In case we are unable to underwrite your proposal we will intimate the same to you and refund any premium that has been collected
What should I do if I want to insure more than 2 adults or 3 children in floater policy?
You cannot insure more than 2 adults or 3 children in a floater policy, however you can buy multi-individual policy and can enjoy additional discount of 10% on total premium.
What are the Premium payment modes available under ManipalCigna Sarvah?
You can pay your premium on monthly, quarterly, half-yearly or single as your convenience.
What is First Year Vaccination?
It includes all reasonable and customary vaccination expenses of the new born as per the
National Immunization Scheme (India) until the new born completes one year (ie.12 months).
If the policy ends before the new born baby completes 12 months, this benefit will continue subject to policy being renewed in the subsequent year.
What do you mean by unlimited restoration of Sum Insured?
Under this benefit if the Sum Insured if not sufficient due to claims paid during the policy year then 100% of Sum Insured will get restored even in case of related illnesses
Sum Insured here would mean basic Sum Insured + Gullak (Cumulative bonus) becomes insufficient
Is medical test mandatory for everyone before buying the policy?
Medicals will be triggered on the basis of the age of the insured, the plan type and sum insured selected apart from the health conditions declared as part of Proposal Form
What is Health Check-up benefit?
For insured that have completed 18 years of age can avail a comprehensive health check-up with Our Network Provider once every year right from the first year.
Coverage is inbuilt for Param plan & optional for Pratham & Uttam plan
What is Pre & Post hospitalisation expenses?
Pre-hospitalization expenses are medical expenses incurred immediately before the insured is hospitalized.
Post-hospitalization medical expenses include expenses incurred immediately after the insured is discharged from the hospital.
What is covered in organ Donor?
We will cover In-patient Hospitalization Medical Expenses for the donor for harvesting the organ, up to the Sum Insured as specified in the Policy Schedule of this Policy.
• Pre & Post Hospitalization expenses (Up to 30 days each) of the donor
• Cost towards donor screening once in a Policy year for successful transplant
• Complications arising during hospitalization or up to 30 days from date of discharge - up to 25% of SI subject to maximum of INR 2 Lacs, Over and above SI
We will not cover expenses towards the Donor in respect of cost associated to the acquisition of the organ.
How is premium computed?
For calculating premium the country has been divided into 4 zones. Zone will be identified based on the location city of the insured person and premium will be calculated accordingly
Zone 1 - Delhi & NCR Districts in Gujarat: Ahmedabad, Gandhinagar, Surat, Vadodara Districts in Maharashtra: Mumbai, Thane, Navi Mumbai Districts in Andhra Pradesh/Telangana: Hyderabad, Khammam, Kothagudem, Hanamkonda, Warangal Districts in Uttar Pradesh: Mathura, Jyotiba Fule Nagar (Amroha), Aligarh Districts in Punjab: Amritsar, Gurdaspur Others: Kolkata, Rewari, Jind, Jhunjhunu, Patna
Zone 2 - Rest of the Bihar State Districts in Andhra Pradesh/Telangana: Ananthapur, Bapatla, Gadwal, Guntur, Jagtial, Kamareddy, Karimnagar, Kurnool, Mahabubnagar, Mancherial, Medak, Nalgonda, Nellore, Nizamabad, Peddapalli, Rangareddy, Suryapet, Wanaparthy Districts in Punjab: Ropar, Ludhiana, Fatehgarh Sahib, Mohali, Patiala Districts in Maharashtra: Ahmednagar, Akola, Beed, Buldhana, Jalna, Latur, Nashik, Palghar, Pune, Raigad Districts in Uttar Pradesh: Banda, Fatehpur, Kanpur Others: Chennai, Bangalore, Wayanad, Chandigarh, Panchkula, Bokaro, Dhanbad
Zone 3 - Assam State, Daman & Diu UT, Dadara & Nagar Haveli UT, Rest of Andhra Pradesh State, Rest of Telangana State, Rest of Gujarat State, Rest of Haryana State Districts in Karnataka: Channapatna, Chickmangalur, Dakshina kannada, Doddaballapur, Kolar, Mangalore, Tumakuru, Udupi, Ullal Districts in Rajasthan: Ajmer, Dausa, Dholpur, Jaipur, Karauli, Sawai madhopur, Tonk, Districts in Tamilnadu: Coimbatore, Erode, Kanchipuram, Karur, Krishnagiri, Tiruppur, Tiruvallur Others: Dehradun, Raipur
Zone 4 - Rest of India