Everything You Need to Know About ManipalCigna Lifetime Health Plan

About ManipalCigna Health Insurance

ManipalCigna Health Insurance is a standalone health insurance company. It has a host of insurance products ranging from health insurance, critical illness, family floater, personal accident, group medi-claims, and international travel insurance cover, to meet all diversified insurance needs. To this end, the company is investing in technology to strengthen its products and services. While relatively new in this sector, this company has designed insurance plans that provide coverage at different levels and for different situations and it has gained a huge credibility in the market by offering simple, predictable and value based affordable insurance products that caters to the buyer’s needs.

In today’s fast-paced world, there are so many factors that affect your health — having a plan that can offer cover against the medical expenses domestically and globally will make your life hassle-free.

Unfortunate events can come into our life without any warning; a mild fever can lead to serious disease. It is imperative to avail a health insurance plan that gives you extensive protection against critical illnesses.

There are plenty of health insurance plans available in the market but, you have to choose the one that can secure you and your family’s domestic and global healthcare needs at every stage of life.

Analyzing the changing consumer perception towards health insurance coupled with market research, ManipalCigna has come up with ManipalCigna Lifetime Health Plan that provides domestic and global coverages for Indians at value based affordable premiums.

Overview of ManipalCigna Lifetime Health Plan

Covid-19 pandemic has changed customer behavior. The conversation has finally shifted from “Why do I need health insurance?” to “How much do I need?” Customers are seeking a health insurance plan that doesn’t just secure their current health needs but also covers treatments across their different life-stages.

The plan comes in two forms – Lifetime Health India Plan that will cover the hospitalization, and other medical expenses in India, whether due to injury or illness, and Lifetime Health Global Plan, which is a blend of domestic coverage and global coverage. All the medical and hospitalization costs In India and medical costs for listed major illnesses outside India will be covered under this plan. You can tailor it based on your needs and budget. Wherever life takes you, this product will be there to protect you.

To make this plan more potential for the buyers, it comes with three packaged options – Health+, Women+, and Global+, along with a critical illness rider.

Highlights of ManipalCigna Lifetime Health India Plan

• This policy offers a complete health coverage between INR 50 lakh to INR 3 crore.
• This plan covers the medical hospitalization cost due to illness or injury.
• You will get a cashless hospitalization facility under this plan. This feature enables family members to focus on the emergency at hand rather than arranging money.
• This plan covers an insured person’s medical cost in case their medical procedure requires less than 24 hours of hospitalization.
• It also covers the medical cost involved before and after the hospitalization of an insured person.
• All the expenses or the charges incurred by the insured person after he or she is hospitalized will be covered under this plan.
• Medical expenses which are incurred on inpatient hospitalization for AYUSH are covered under this policy.
• Road ambulance, donor expenses, and domiciliary expenses are covered under the product.
• If an insured person is 18-years-old or above, they can opt for a comprehensive annual health checkup at the insurance provider’s network from the first policy year.
• This plan will cover the expenses incurred for the listed modern and advanced treatment.

Highlights of ManipalCigna Lifetime Health Global Plan

• Apart from the domestic coverage similar to India plan this plan will also cover the medical expenses of an insured person for listed 27 major illnesses outside India within opted Area of Cover.
• The medical expenses that occur before and after hospitalizations will be covered under this insurance policy.
• This plan also covers air ambulance charges, which an insured person can avail once in a policy year.
• This insurance policy will cover the charges of vaccine, Robotic or Cyber-knife surgery, and modern and advanced treatment incurred towards the insured person.
• This plan also helps an insured person to contact the best practitioner via video call effortlessly.
• If an insured person is hospitalized due to an accident his medical expenses will be covered under this plan.

Benefits of ManipalCigna Lifetime Health Plan

1. Comprehensive Coverage

• Sum assured for domestic and global coverage are separate.
• The plan covers inpatient hospitalization in India
• Apart from the suite and higher category, any room category will be available for sum assured up to INR 2 Crore.
• Any room category including suite will be available for a sum assured of INR 3 crore.
• There is no room rent capping for hospitalization outside of India.
• The plan offers unlimited restoration for coverage in India, so that an insured person never runs out of cover.

2. Quality Access

• This plan allows an insured person to go for listed modern and advanced treatment without thinking of money.
• You can take advantage of its facilities throughout your life.

3. Other benefits

• You can make this plan more effective by expanding the coverage limit.
• You can avail a 5% discount from 4th policy year to 7th policy year and 10% discount from 8^th policy year onwards.
• You can also avail its optional packages, Health+, Women+, and Global+
• For example, let’s say a high-value cover through a general comprehensive health insurance plan (Sum Insured of Rs. 10 lakh for healthy individual aged 40 years) will cost Rs. 11,852 (including taxes), whereas ManipalCigna Lifetime Health India plan will cost you just Rs.12899 (including taxes) for Rs. 50 lakh of Sum Insured and just Rs.14213 for Rs. 1 crore of Sum Insured.
• By paying approx. Rs. 2300 extra you will get the coverage of Rs. 90 lakh more with ManipalCigna Lifetime Health India plan

Final Say..

Undoubtedly, the launch of ManipalCigna Lifetime Health Plan has revolutionized the insurance industry. It has come with everything that can help you in navigating your healthcare financing problems. The features of this product are rich, effective, and can make anyone’s life hassle-free. Whether you are in India or outside, this health insurance plan will always be there for you. Right from the daycare treatment, pre- and post-hospitalization costs to covering HIV/AIDS, and mental illnesses, this plan is the one-stop solution for anyone who wants a comprehensive health insurance plan to access quality healthcare in India or abroad.