Frequently Asked Questions

Yes, during member addition(spouse) the continuity benefit is availed by the new member.

Param plan is known for having zero waiting period although if the insured opts for Maternity and Newborn expenses the standard waiting period of 36 months will be applicable

Sarathi cover reduces the waiting period of Pre-existing listed conditions to 30 days which are accepted and declared at the time of policy issuance

No, Sarvah has a feature of No Zonal Co-pay. Hence there will be no additional charges for the zone change.

Progression to higher claim-free discount levels (1 Year, 2 Year, 3 Year) will stop once the eldest member in the policy reaches age 56 years.
The attained discount level at the age of 56 will continue until a claim is made under Policy. After a claim, the discount level will reset to 0 

The insured shall be eligible for a renewal premium discount of x%, based on the number of claim free years, as per the grid detailed below.
1 Year    <<2.5%>>
2 Year    <<5%>>
3 Year    <<7.5%>>

This optional cover can be opted only during new health business

The sequence of utilisation is as follows:
1. Base Sum insured
2. Gullak ( from 2nd year)
3. Surplus Benefit/ Plus Benefit
4. Restoration of Sum Insured
5. Anant 

You can insure up to 2 adults and 3 children in a floater policy, however you can buy multi-individual policy for more than 2 adults and 3 children and can enjoy additional discount of 10% on total premium.

No, the optional cover is available only during the first policy year (new business or migration first policy year)

Anant Benefit can be opted for Sum insured 10L and above.

Anant Benefit is an optional covers (available with Uttam and Param Plans only) that provides coverage for in-patient, day care treatment or AYUSH Treatment for major illness like - Cancer, Heart, Stroke, Major Organ / Bone Marrow Transplant or Accident cases without any sum insured restrictions.

Sum Insured is calculated as a maximum of 10 times of gainful annual Income of the Proposer or Earning member to be insured, where the Proposer is not the Insured.

The Sum Insured and Deductible combination are:

Hospital daily cash insurance is a pre-defined benefit plan where a fixed amount per day of hospitalization is paid in lump-sum to the policyholder/insured person. The plan has no link with the actual medical expenses incurred.

If the Insured Person is Hospitalized during the Policy Period for Medically Necessary treatment of an Illness Or an Injury that occurred during the Policy Period and the continuation of such Hospitalisation is Medically Necessary for at least 10 consecutive days, then We will pay a lump sum amount equal to 5 times the Daily Cash Benefit amount specified in the Policy Schedule for each continuous and completed period of 24 hours of Hospitalisation.

A standalone personal accident policy covers you and your family for accidental death, permanent disability and loss of income. But many a times you remain unprotected for partial disability, ambulance cover, orphan benefit, funeral expenses cover and many more risks.

ManipalCigna Accident Shield plan comes with all the above benefits along with other benefits like Child Welfare benefit, temporary total disability (for both Earning as well as Non-earning members ), burns benefit, brokenbones and coma cover, Loan shield and EMI shield under one policy that assures financial support and provides cushion for a better tomorrow in any accidental eventualities.

With Prime Senior we restore 100% of Sum Insured after 1st claim in a policy year, if at any point in time you are short of the coverage. This is possible in case of both related and unrelated illnesses.

Yes, our ManipalCigna Sarvah – Param covers the pre-existing disease without any waiting period

Waiting period for pre-existing diseases shall be 36 months for Pratham and Uttam plan

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 except for sex reassignment surgeries of transgender person.
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.