Manipal Cigna
LifeTime Health
Manipal Cigna LifeTime Health is the most expensive plan in Manipal Cigna’s stable and it comes with two variants: India and Global. The Global plan covers treatments both in India and abroad, while the Indian plan is limited to domestic treatments. Both variants are extremely comprehensive and offer add-ons like critical illness rider, OPD cover (for outpatient consultations) and Woman+ where women get coverage for screening tests like Mammograms and PAP Smears. However, the only caveat is that this plan is expensive.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room so long as it’s not a Suite
Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
You will have 100% of the cover restored any number of times, so that you can use this benefit in the event you have to endure multiple hospitalizations in a bid to treat a different complication In the same year, by the way.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's okay here?
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's lacking here?
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Add-ons
Health 360 Shield
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc. max upto 1L.
Critical Illness
With this add-on you get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy document.
Health+
With this rider, you get coverage for a lot of benefits, some of them include Air Ambulance Upto ₹10, Coverage for Medical Devices and Non-Medical Items upto ₹2L once in 3years. Domestic Second Opinion for major illnesses. Bariatric Surgery Cover upto ₹5L. Lumpsum payout benefit of ₹50k per hospitalization of at least 10 consecutive days in terms of convalescene benefit. Daily hospital cash benefit of ₹2.5k/day if treatment is taken for major illnesses. Fixed Payout of ₹2.5k/sitting of Chemotherapy / Radiotherapy, conducted in a Day Care Treatment. Accidental Hospital Cash benefit of ₹2.5k/day if treatment taken for an Injury due to an Accident. Domestic Concierge Services offered to insured members once a year. Tele -Consultations available through tele/chat mode from network facilities.
Health 360 OPD cover
With this add on, you can get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.
Health 360 Advance
With this rider, you get extended coverage with no room restriction, unlimited restoration of sum insured even for same illness along with air ambulance coverage.
Woman+
With this rider, you get coverage if you are a female aged 12 years or more for various services including screening for Breast Cancer, Cervical Cancer, Cervical Cancer Vaccination, Ovarian Cancer, Osteoporosis, 15 Gynaecological outpatient consultations and 5 Psychiatric & Psychological Consultations.
Frequently Asked Questions
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