ManipalCigna Lifetime Health

Hospitalization Expenses- Hospital expenses as per eligible room category, for admission longer than 24 hours, up to the full Sum Insured, where hospitalization is in India.
- For Sum Insured up to INR 200 Lacs - Covered up to any room except suite or higher category.
- For Sum Insured INR 300 Lacs – Covered up to any room including suite category.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Premium Waiver Benefit- Renewal Premium for one Policy Year will be paid by Us, if the Proposer is diagnosed with any of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement, Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured Person in the same Policy.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 60 days preceding the date of Hospitalization and up to the full Sum Insured.

Global Hospitalization for Major Illness- Hospital expenses for admission longer than 24 hours or Day Care Treatment. The cover is available for treatment of the opted Major Illness/es, availed outside India, within the selected Area of Cover.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

Global Pre- hospitalization- Medical Expenses covered up to 60 days preceding the date of Hospitalization, for treatment of a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Ayush Cover - Up to full Sum Insured, for treatment availed in India.

Global Post- hospitalization- Medical Expenses covered up to 180 days immediately post discharge from the hospital, after the Hospitalization for treatment of a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Global Ambulance Cover- Expenses incurred on availing Road or Air Ambulance services, in case of an Emergency due to a covered Major Illness, outside India within the selected Area of Cover. Cover is available up to the full Sum Insured. Air Ambulance service is limited to one event per Policy Year for each Insured Person.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India.

Medical Evacuation- Expenses incurred on medical evacuation of the Insured Person due to a covered Major Illness, from outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Domiciliary Expenses- Up to 10% of Sum Insured, for expenses incurred in India.

Medical Repatriation- Expenses incurred on medical repatriation of the Insured Person due to a covered Major Illness, from outside India within the opted Area of Cover. Cover is available up to the full Sum Insured.

Adult Health Check-up- Available once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year.

Repatriation of Mortal Remains- Expenses incurred on repatriation of mortal remains of the Insured Person, from outside India within the selected Area of Cover, in case of death due to a covered Major Illness. Cover is available up to the full Sum Insured.

Robotic and Cyber Knife Surgery- Up to full Sum Insured, for treatment availed in India.

Global Travel Vaccination- Cost of vaccine is covered up to the full Sum Insured. The benefit is available for vaccination/s mandatorily prescribed by the World Health Organization (WHO) for traveling to an intended destination, outside India within the opted Area of Cover, or while traveling back to India after availing treatment of a covered Major Illness. The benefit is limited to once in a policy year for each Insured Person.

Modern and Advanced Treatments- Up to full Sum Insured, for treatment availed in India.

Global Robotic and Cyber Knife Surgery- Medical expenses incurred for Robotic and Cyber Knife Surgery of a covered Major Illness outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

HIV/AIDS and STD Cover- Up to full Sum Insured, for expenses incurred in India.

Global Modern and Advanced Treatments- Medical expenses incurred for Modern and Advanced Treatments of a covered Major Illness outside India within the selected Area of Cover. Cover is available up to the full Sum Insured.

Mental Care Cover- Up to full Sum Insured, for treatment availed in India.