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 Health Insurance Policy for Disabled Person

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PRODUCT BROCHURE

Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness

Sum Insured: Up to ₹ 5 Lacs

Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness

Best suited for

Individual

Key Benefits

Coverage available for Allopathic & AYUSH treatments

Includes cover for Modern & Advanced Treatments

Includes Treatment for Cataract

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UIN: MCIHLIP23194V012223
Launch Date: 14-04-2023

SecureHealth, ManipalCigna

Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness

Sum Insured

4Lacs- 5Lacs

Sum Insured

4 Lacs

5 Lacs

PREMIUM PER ANNUM

18,472* inclusive of taxes

*The Premium value is indicative for the below mentioned profile: Gender – Male, Age – 18, Non Smoking, not having been affected by HIV / AIDS, with Pre-existing disability

**In order to avail any other sum insured or for understanding of Terms and Conditions/Benefits, kindly get in touch with the customer service/sales representative at the ManipalCigna branch office.

Proposal may be subject to underwriting review.

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 1% of SI per day. ICU/ICCU charges covered up to 2% of SI per 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 100% 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 up to ₹40,000 per each eye if you undergo a treatment or surgery for Cataract.

Modern Treatmentsto cover medical expenses up to 50% of sum insured if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.

Co pay of 20% 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

Min Entry Age

18 Years (for Adults) , New born (0 days)(for Children)

Max Entry Age

65 Years (for Adults) , 17 Years (for Dependent Children)

Cover Type

Individual

Policy Period

1 year

Relationships covered

Individual Policy : self, spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, sister in-law, brother in-law, uncle, aunty, nephew & niece

Premium Payment Mode

Yearly, Half Yearly, Quarterly, and Monthly

Eligibility Criteria

All Persons with Disability who have at least one of the disabilities as defined under Specified Disability under The Rights Of Persons With Disabilities Act, 2016 with valid disability certificate Or / and Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017, are eligible to enrol in this product.

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