Manipal Cigna
SecureHealth
ManipalCigna SecureHealth is the most basic plan in Manipal Cign’s table. However, it’s one of the few plans that’s available for people with disabilities and those affected by mental illness or HIV. It offers coverage of only up to ₹5 lakhs. It has restrictions on the kind of room you can pick. It has a co-payment clause. And there’s no bonus or restoration benefit. But as we already noted, while this is definitely not a comprehensive option, this is perhaps the only option available for those with disabilities or AIDS.
What's good here?
HIV/AIDS & Disability Support
This plan is available for people diagnosed with HIV/AIDS and disabilities like Blindness, Muscular Dystrophy, Low vision, Chronic Neurological conditions, Leprosy Cured persons, Specific Learning Disabilities, Hearing Impairment (deaf and hard of hearing), Multiple Sclerosis, Locomotor Disability, Speech and Language disability, Dwarfism, Thalassemia, Intellectual Disability, Haemophilia, Mental Illness, Sickle Cell disease, Autism spectrum disorder, Multiple Disabilities including deaf/ blindness, Cerebral Palsy, Acid Attack victim and Parkinson's disease.
This plan is available for people diagnosed with HIV/AIDS and disabilities like Blindness, Muscular Dystrophy, Low vision, Chronic Neurological conditions, Leprosy Cured persons, Specific Learning Disabilities, Hearing Impairment (deaf and hard of hearing), Multiple Sclerosis, Locomotor Disability, Speech and Language disability, Dwarfism, Thalassemia, Intellectual Disability, Haemophilia, Mental Illness, Sickle Cell disease, Autism spectrum disorder, Multiple Disabilities including deaf/ blindness, Cerebral Palsy, Acid Attack victim and Parkinson's disease.
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 - 30 days before you are hospitalized and 60 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.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more - Read more here
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataracts and Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you are already dealing with HIV/AIDS, then the insurer will cover you after 30 days. For Pre-Existing Disability, you will be covered after 2 years. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 4 years before they start covering these complications.
Some Cover for Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 50% of the cover in case you’re availing these treatments.
Frequently Asked Questions
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