Manipal Cigna Health Insurance Benefits: Plan Inclusions & Exclusions

Top Features From Manipal Cigna Health Plans

Manipal Cigna offers some unique advantages to customers, making it one of the most preferred health insurance providers

Here are the advantages which you can find if you become a customer of Manipal Cigna

The ProHealth range of health insurance plans offered by the company have unique coverage benefits which set them apart from other health insurance plans
Cigna’s group health insurance policy was the first plan to offer worldwide health insurance coverage to employees of a company who travel abroad frequently for business purposes
ProActiv Living is a flagship facility offered by the company which helps you deal with health related queries and live a healthy life
The company is tied up with more than 4500 hospitals in India for offering cashless claim settlements
Manipal Cigna has partnered with wellness providers to provide its customers with free access to healthcare services
Wellness programs designed by the company helps customers earn reward points if they lead a healthy life

Health insurance plans are an important addition to your financial portfolio because of the following reasons

Medical expenses have increased beyond affordability. Thus, to take care of any medical emergencies, a health insurance plan is required which pays the medical bills
Illnesses, ailments and accidents have become common in today’s age. These require frequent medical attention and such attention can be afforded if you have a health insurance plan
Health insurance plans come in different varieties and if you choose relevant types of coverage options, you can get an all-round protection
Health insurance also helps in tax saving The premiums which are paid for health insurance plans qualify for tax deduction up to INR 1 lakh under Section 80D

Pre-existing illnesses : If the insured suffers from known illnesses at the time of buying the policy, such illnesses are called pre-existing illnesses. Pre-existing illnesses are not covered in the initial 1-4 years of the policy and this period is called waiting period
Specific illnesses in their waiting period : There are specific treatments and named illnesses which are not covered in the first 1-4 years of the plan like hernia, piles, joint replacement surgeries, etc.
Self-inflicted injuries : If the insured harms himself/herself or attempts suicide, subsequent medical costs are not covered
Cosmetic and dental treatments : Treatments which are cosmetic in nature and not required for treating any illness are not covered. Similarly, dental treatments are also not covered unless they are required in the treatment of an accidental injury
Mental disorders: Psychiatric disorders or mental imbalances and their treatments are not covered
Congenital disorders: Birth related congenital disorders and defects are not covered
Pregnancy related expenses: Until and unless the plan has maternity coverage, expenses related to pregnancy and childbirth are not covered
HIV/AIDS/STDs: Sexually Transmitted Diseases, HIV, AIDS and other venereal diseases are not covered
Alcohol/drug usage: Use of alcohol or drugs and the medical complications arising out of such usage are not covered
Unproven treatments: Medical treatments which are unproven or experimental in nature are not covered

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FAQs

Fixed benefit health plans are those wherein the claim amount does not depend on the actual medical expenses incurred. A fixed amount of money is paid which is predetermined at the time of buying the policy.

Yes, you can by as many health insurance plans as you want depending on your coverage requirement.

Health insurance plans of Manipal Cigna are offered for a period of 1 year, 2 years or 3 years. If you choose longer coverage tenure you also get premium discounts.

No, health insurance claims pay for medical expenses incurred in case of hospitalisation. They do not pay for accidental death. However, if you buy personal accident plans, you get a claim for accidental death.

Yes, medical check-ups are required if you opt for sum insured of INR 25 lakhs. Check-ups are usually required at all ages.

Indemnity oriented health insurance plans are those which pay for the actual medical costs which are incurred up to a maximum of the sum insured chosen by the policyholder.

Yes, all health insurance plans allow lifelong renewals without any maximum cover ceasing age. However, for dependent children, the family floater covers them till 23 years of age. Thereafter, they have to be insured under an independent health insurance plan.

Portability means switching from one health insurance plan to another. Porting can be done between the health insurance plans of the same company or between the health insurance plans of different companies. To port, the policyholder should submit a written request with the insurance company at least 45 days before the expiry of the policy under which he/she is covered.

Manipal Cigna’s ProHealth plans allow family floater coverage wherein self, spouse, dependent children and dependent parents can be covered.

Co-payment is a clause which is usually applicable if the insured is 65 years or above. Under co-payment, a part of the claim is paid by the policyholder himself/herself and the insurance company then pays the remaining. So, if the plan has a co-payment of 20% it means that 20% of the claim would have to be paid by the policyholder and the insurance company would pay the remaining 80% of the claim.

A health insurance plan which compensates for the expenses incurred on hospitalization and has no predefined fixed benefits attached to any condition is called an Indemnity Health Insurance Plan. Basically, it works on a cashless reimbursement basis and claim is payable only on hospitalization.