What is Hospital Cover?

Hospital cover is a part of health insurance that helps you get comprehensive financial coverage for the costs included under hospitalisation. By opting for basic a hospital cover insurance, in case of any medical emergency, you are treated as a private patient and allotted a dedicated ward. The costs like in-hospital treatment, accommodation fees,surgery fees and all those expenses associated with hospitalisation. You can avail the benefit of getting admitted to the network hospitals that we have, spread across the country, along with a provision of cashless hospitalisation. The only mandatory thing is that the hospitalisation needs to be at least 24 hours from the time of admission.

Why do you need ManipalCigna Hospital Cover?

ManipalCigna offers you two different plans with private hospital cover and a bunch of benefits. You get in-patient hospitalisation cover through which all the room charges, nursing charges, ICU charges, surgeon as well as doctor fees, operation theatre, blood and oxygen and several other medical expenses are covered. ManipalCigna is beneficial too as it covers not just hospitalisation charges under basic hospital cover, but also offer you financial backup for several other costs. The ProHealth plan covers pre as well as post hospitalisation costs such as medical expenses made during the recovery process of 30 days. If the treatment you undergo needs less than 24 hours, 500 plus day-care procedures are made available under the plan. If the bed vacancy is nil or if you are unable to reach the hospital due to severe conditions, you can get domiciliary treatment at your home. Many times, hospital cover doesn’t include ambulance charges; however, ManipalCigna offers it to you at your convenience. Transportation expenses by an ambulance are also important while considering medical emergencies. Maternity and new-born medical costs are also taken care of under the basic hospital cover of ManipalCigna. Along with regular coverage, ManipalCigna private hospital cover also includes health check- ups, expert opinions on critical illnesses, and so on.

What does our Hospital Cover include?

ManipalCigna offers affordable hospital cover along with a wide range of benefits. Here is the list of applications that you are entitled to get under the policy- • All in-patient hospitalisation, along with pre and post-hospitalisation expenses. • Day-care treatment for hospitalisation with less than 24 hours. • Donor Expenses covering the cost of organ and transplant expenses. • AYUSH cover, which is nothing but any treatment falling under Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy treatment for the event occurred due to illnesses or accidents. • Maternity expenses, along with new-born medical expenses and first-year vaccination charges, are covered under ManipalCigna’s affordable hospital cover. • Health check-ups and expert opinion on critical illness • You can also opt for a critical illness rider with the hospital cover you have chosen. • Several discounts such as a long-term discount, family discount, co-pay discount, cancellation provision are also available with tax benefits.

Buy Arogya Sanjeevani Health Insurance Policy Online in India

DOWNLOAD
PRODUCT BROCHURE

Affordable standard health insurance plan

Sum Insured : Up To ₹ 10 Lacs

Affordable standard health insurance plan

Best suited for

Individual

Family

Multi Individual

Key Benefits

Coverage available for Allopathic & AYUSH treatments

Includes cover for Modern & Advanced Treatments

Affordable all India health coverage

Speak to Expert

UIN: MCIHLIP20156V011920
Launch Date: 01-05-2021

GET YOUR ESSENTIAL HEALTH COVERAGE WITH STANDARD HEALTH INSURANCE PLAN

Health insurance is a preferred protection solution for health risks considering rising medical costs. If you and your loved ones are yet to be covered under any health insurance plan, then it’s time to take the first step towards securing the future. Arogya Sanjeevani Policy is designed to provide much needed financial backup at times of medical emergencies. It’s simple and yet takes care of most of the hospitalisation needs that arise from illness and injury.

WHAT IS AROGYA SANJEEVANI POLICY?

Arogya Sanjeevani Policy is a health insurance plan designed by IRDAI and made available by ManipalCigna Health Insurance company. It is a standard insurance coverage to address the basic health care needs of people.

SUM INSURED (SI) UPTO Rs.10 LACS

This plan comes with choice of multiple sum insured options. Rs.50,000/1/1.5/2/2.5/3/3.5/4/4.5/5/5.5/6/6.5/7/7.5/8/8.5/9/9.5/10 Lacs

GET ALL DAY CARE TREATMENTS COVERED

Day Care Treatments refer to those treatments that are done under general or local anesthesia in a hospital or in a day care center, and take less than 24 hours. Under this plan we cover all the Day Care treatments.

CASHLESS CLAIM SETTLEMENT IN OVER 6500+ NETWORK HOSPITALS IN ALL OVER THE COUNTRY

ManipalCigna is associated with more than 6500 hospitals across the country. By availing this plan, you will be eligible to settle your claims on cashless basis across this network of hospitals

SAME PREMIUM ACROSS THE COUNTRY

For this policy, there is no zone based premium.

In-patient Hospitalization to take care of the room, ICU, nursing charges, doctor, surgeon fees, operation theatre charges and other medical expenses. Room rent covered up to 2% of SI, max of ₹ 5,000/day. ICU charges covered up to 5% of SI, max of ₹ 10,000/day.

Pre-Hospitalization to cover medical expenses incurred upto 30 days before the date of hospitalization.

Post-Hospitalization to cover medical expenses incurred upto 60 days after you are discharged from the hospital.

AYUSH Cover to take care of medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy.

Day Care Treatment pays for medical expenses if you undergo a treatment or surgery that needs less than 24 hours of hospitalization.

Road Ambulance Cover reimburses expenses upto ₹ 2000 per hospitalisation event for ambulance services towards transportation to hospital for treatment.

Cataract Treatment pays for medical expenses upto 25% of SI OR ₹ 40,000 whichever is lower per each eye if you undergo a treatment or surgery for Cataract.

Modern Treatmentsto cover medical expenses if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.

Cumulative Bonus of 5% for each policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured.

Co pay of 5% is applicable on all claims.

What’s covered

Inpatient Hospitalization
Day Care
Pre & Post Hospitalization
Road Ambulance
AYUSH Treatment
Cataract treatment
Modern and Advanced treatments
Dental Treatment necessitated due to illness/injury

What’s not covered

Illness resulting from any breach of law
Hazardous or Adventure Sports
Contamination from Nuclear fuel or radiation
Unproven Treatments, Drug abuse
Foreign invasion or civil war

Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus

Minimum Entry Age

18 Years (for Adults) , 91 days (for Children)

Maximum Entry Age

65 Years (for Adults) , 25 Years (for Dependent Children)

Cover Type

Individual and Family Floater

Policy Term

1 year

Relationships Covered

Individual Policy : self, spouse, dependent son & daughter, parents & parents in law.

Family Floater : self, spouse, dependent children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)

Premium

Monthly/Quarterly/Half-yearly/Yearly payments

Renewal

Lifetime, provided the insured person is still associated with us.

Benefit Illustration

Got Questions?

What are the details to be provided at the time of intimation of claim?

The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.