Manipal Cigna Lifetime Health Plan: A Plan That Last For Lifetime

Why Choose Manipal Cigna LifeTime Health Plan

With the Lifetime Health Insurance Policy from ManipalCigna Health Insurance, you will be able to keep your healthcare expenses covered domestically and abroad. India Plan and Global Plan are the two variants available, wherein the former only covers the insured within India while the latter covers them both in India and abroad. According to your needs, you can choose between a sum insured of Rs. 50 Lakh and Rs. 3 Crore in this policy. Individuals and families are covered by the policy, if eligible. As an individual, you are covered by the policy along with your spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, sons-in-law, daughters-in-law, aunts, uncles, nieces, and nephew, whereas with a family floater policy, you are covered along with your legally wedded spouse, your children up to the age of 25, your parents, and your in-laws.

Depending on your budget and other requirements, you can purchase the policy for 1 year, 2 years, or 3 years. In case of a medical emergency or an injury, it offers coverage for medical and surgical expenses. Ayurvedic treatment expenses, organ donation costs, mental care, modern and advanced treatment, HIV/AIDS and STD coverage, robotic and cyber knife surgery, etc. are some of the coverage benefits. In addition to the coverage benefits, you may also be able to claim tax benefits on this policy's premiums under Section 80D of the Income Tax Act, 1961. You can gain a better understanding of the policy terms and conditions during the free look period.

Features of Manipal Cigna LifeTime Health Plan

It is now time to learn about the unique features/benefits of this plan, which make it popular with customers. Once you know the basic details of the plan, you can learn more about its features. The mentions are listed below.

A Multiple Restoration is available under this policy along with the sum insured opted for in a Policy Year. There must be no connection between the illnesses in order for this to be possible. Only expenses covered in the country can be claimed from the restored amount.
If the proposer suffers from one of the pre-specified critical illnesses, or if he or she dies, is permanently disabled, or is permanently partially disabled, the company will pay the renewal premium for one year, only if the proposer is also covered by the same policy.
The critical illness add-on cover can be purchased for an additional premium amount. This benefit provides a lump sum payment upon diagnosis of a listed critical illness.
In the event you want to cancel the policy, you can do so at any time. This will result in a short-term refund of the premium. Upon cancellation of a Premium payment mode such as Monthly, Quarterly, or Half-Yearly, no refund will be provided.
When the Global Plan is opted for by the policy seeker, this plan covers treatment of up to 27 major illnesses abroad.
When the selected Sum Insured exceeds Rs. 10 lakhs, Continuity Benefit is applicable to the entire chosen Sum Insured. Insurers have their own terms and conditions.

Exclusions of Manipal Cigna Lifetime Health Plan

When you are unaware of the items or situations for which a plan does not provide coverage, your understanding of the plan remains incomplete. This policy has the following exclusions.

Investigations and evaluations are not covered by the policy.
There is no coverage for rest cure, rehabilitation, or respite care.
The category of exclusions includes expenses related to obesity or weight control, fertility, or sterility.
Policy coverage does not cover expenses associated with gender treatment, plastic surgery, cosmetic surgery, or anything else of the sort.
A policy will not cover you if you participate in any hazardous activities or adventure sports, such as paragliding, scuba diving, river rafting, etc.
The policy does not cover the expenses associated with alcohol, drugs, or other intoxicating substances.
A treatment received in a health hydrotherapy facility, a nature cure clinic, a spa, or a similar establishment will also be excluded.
Supplements not covered by this plan include vitamins, minerals, organic substances, and other substances you can purchase without a prescription.
The plan will not cover treatments that aren't proven, refractive errors, breaches of law, or excluded providers.

FAQ

Who is covered under this policy on an individual basis?

In addition to yourself, the policy covers a legally married spouse, children, parents, siblings, grandparents, grandchildren, parents-in-law, sons-in-law, daughters-in-law, aunts, uncles, nieces, and nephews.

Can this policy cover all members of a family?

Besides yourself, this policy covers your legally wedded spouse, your children up to the age of 25, your parents, and your parents-in-law. A single policy can cover up to two adults and three children if you are covered on a floater basis. It is possible to choose to cover yourself and your spouse or you can cover your mother, father, mother-in-law, or father-in-law as well.

In both variants of this policy, what types of expenses are covered under in-patient hospitalisation?

You will be covered for in-patient hospitalization expenses up to the full sum insured if your hospitalization takes place in India, including hospitalization expenses for admissions lasting longer than 24 hours. In the event of a sum insured of up to Rs. 2 Crores, expenses are covered up to the level of any room except for suites or higher categories. If you insure up to Rs. 3 Crores, you can choose from any room category, including suites. There is no difference between the India Plan and Global Plan as far as benefits are concerned.

Does this policy offer any optional benefits?

That's right. Depending on your requirements, you can select from the following optional packages:

In addition to a base plan, Health+ provides coverage over and above the base plan's sum insured or limits. Among its features are air ambulance coverage, domestic second opinions, bariatric surgery coverage, and hospitalization for major illnesses.

Females aged 12 and older can purchase Women+. An individual can obtain the benefit if the sum insured or limits specified are greater than the base policy. In addition to breast cancer screenings and cervical cancer screenings, it covers gynecological consultations, mental health consultations, and psychological consultations as well.

Those who are insured under this policy can purchase Global+ as an optional package. When you opt for the global plan, this package is available at the entry-level. You are covered for global hospitalization, global convalescence, global outpatient expenses, travel expenses, and global second opinions.

As well as coverage benefits, what other benefits come with this policy?

The policy offers not only coverage benefits, but also a grace period of 15 or 30 days for renewal with all continuation benefits, as well as the flexibility to pay for renewal in monthly, quarterly, half-yearly, or yearly installments, as well as discounts, including family discounts, long-term discounts, and online renewal discounts.

Download Brochure