ManipalCigna Arogya Sanjeevani Health Insurance Policy

ManipalCigna Arogya Sanjeevani Health Insurance Policy

ManipalCigna Arogya Sanjeevani Health Insurance policy is designed by IRDAI to address people’s primary health care needs. It is a standard health insurance policy providing much-required financial backup during medical emergencies. This policy is available on individual and family floater bases and takes care of the hospitalization requirements that arise due to illness and injury.

The policy covers modern treatments and procedures listed in the policy document and in-patient hospitalization charges for medical treatment of illnesses and injuries. It also offers coverage for Coronavirus or similar diseases as well as pre & post-hospitalization, cataract treatment, and daycare treatment cover. It does not have a zone-based premium which means the policy offers the same premium across the country.

Eligibility criteria for ManipalCigna Arogya Sanjeevani Health Insurance Policy

Key highlights of ManipalCigna Arogya Sanjeevani Health Insurance Policy

• ManipalCigna Arogya Sanjeevani Health Insurance Policy offers all India health coverage at an affordable price.
• It offers a choice for multiple sum insured.
• This comprehensive policy includes coverage for modern treatments and procedures along with Allopathic and AYUSH treatments.
• The policyholder can avail cashless treatment at over 6500 network hospitals.
• Tax benefits are applicable according to the prevailing norms of the Income Tax Act.
• The insurer will increase the sum insured for each claim-free policy year, provided the policy is renewed without any break, subject to a maximum of 50% of the sum insured.
• ManipalCigna offers a 15% family discount for covering 2 or more family members under a single individual policy.
• Pre-existing diseases are covered after 48 months of continuous coverage. 
• A grace period of 30 days for a yearly premium payment mode and a Grace Period of 15 days for the rest of the modes of payment is given to the policyholders for making the premium payments. 
• Also, a Free-look Period of 15 days from the date of the policy’s receipt is given to the policyholders to review the policy and return the policy if not acceptable.

Inclusions in ManipalCigna Arogya Sanjeevani Health Insurance Policy

• Inpatient Hospitalization: ManipalCigna Arogya Sanjeevani Health Insurance Policy covers in-patient hospitalization expenses which includes room charges, ICU expenses, nursing charges, doctor fees, surgeon fees, blood, oxygen, operation theatre charges, and other medical expenses.
• Pre and post-hospitalization cover: This comprehensive health insurance policy offers coverage for pre and post-hospitalization expenses for the medical expenses incurred before the hospitalization and after getting discharged from the hospital.
• AYUSH cover: Medical expenses incurred towards a non-allopathic treatment or AYUSH treatment like Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness and undertaken in a government Hospital or government recognized hospital up to the limit of sum insured is covered under this policy.
• Day Care Treatment: Medical expenses incurred for daycare treatment that requires less than 24 hours of hospitalization are covered under this policy. 
• Other Expenses: This policy also covers medical expenses for treatment or surgery like dental treatment, plastic surgery necessitated due to illness, injury.
• Modern Treatments: Any technologically advanced treatment or surgery listed in policy terms and conditions are covered under the policy. 
• Ambulance Cover: This plan reimburses expenses for ambulance services towards transportation to the hospital for treatment. It provides Rs 2000 per hospitalization.  

Exclusions in ManipalCigna Arogya Sanjeevani Health Insurance Policy 

Expenses are not covered related to any illnesses or injuries caused due to

• Breach of law
• Contamination from nuclear fuel or radiation
• Suicide or drug abuse
• Foreign invasion or civil war