Manipal Cigna Health Insurance Review – Forbes Advisor INDIA

Manipal Cigna ProHealth Prime

It is a comprehensive health insurance product, which is best suited for large families, nuclear families and individuals also. It ensures wider coverage that ranges from INR 3 lakh to INR 1 crore.

Key Features:

This policy is available in three variants:

Other Common Features:

• The insured has the freedom to choose any room; can be suite category or above.
• Unlimited refill of sum assured amount if in case it gets exhausted.
• Unlimited consultations through telephonic calls.
• Second opinion from a doctor can be availed for all the 36 critical illnesses.
• Optional coverage of non-medical costs such as food, laundry, thermometer, telephone or internet costs.

Manipal Cigna Lifetime Health Plan

This plan is designed in such a way that fulfills one’s all the health insurance needs for their entire life. The sum insured ranges from INR 50 lakh and goes up to INR 3 crore. This plan is best suited for self and families as it ensures better coverage and wider benefits, in India or abroad.

Key Features:

The plan comes in two variants:

Other Common Features:

• Coverage of hospitalization costs.
• Coverage of daycare treatment is available.
• Coverage for AYUSH treatment costs.
• Road ambulance and donor costs are covered.
• Modern treatments such as robotic surgeries are available.
• Coverage for treatment related to HIV/AIDS and sexually-transmitted diseases are covered.
• Optional coverage of critical illness is covered in both the plans.
• Annual health check-up is available once in a policy year to the insured aged above 18 years.
• The insured can avail premium waiver benefit, where premium renewal amount for one year is incurred by the insurance company, if the insured is diagnosed with any of the critical illnesses or in case of accidental death, total disablement, or permanent partial disablement.
• The insured under India plan can select optional packages for health and women, and under global plan, the insured has the option to select health, women and global as their optional packages.

Manipal Cigna Pro Health Insurance

This is a comprehensive hospitalization plan that comes for self and family floater options providing a sum insured up to INR 1 crore. The plan has five variants: Protect, Plus, Preferred, Premier, Accumulate.

Key Features:

Manipal Cigna Pro Health Select Plan

This plan can be customized, meaning the insured has the freedom to design their own health policy. The sum insured coverage is from INR 50,000 to INR 25 lakh. This comes for self, family and multi individual options.

Key Features:

• The policy comes in two variants: Select A and Select B.
• The policy tenure is till three years.
• The insured has the option to waive off sub-limits on room rent and ICU charges.
• The insured gets the health reward points up to 10% of the premium amount paid.  These points can be further utilized at the time of policy renewal.
• The insured can avail Reassurance benefit, where the sum insured amount gets refilled once the first claim gets settled, so the insured is never short of coverage.
• The policy can be top-up by INR 1 lakh to INR 5 lakh.
• Optional covers on the payment of additional premium:

1. Deductible
2. Re-Assurance
3. Voluntary co-pay
4. Health check up
5. Cumulative bonus booster
6. Worldwide emergency cover
7. Removal of room rent limit
8. Disease specific sub limits
9. Health maintenance benefit
10. Coverage for 11 critical illnesses such as cancer, heart stroke.

Manipal Cigna Super Top-up Plan

This is a top-up policy by the Manipal Cigna which provides extra benefits and wider coverage above and beyond the regular health plan. The sum insured coverage of this top-up plan is from INR 1 lakh to INR 30 lakh with deductibles up to INR 10 lakh. A super top up policy is a wise choice, however, it is important to choose the right deductible.

Key Features:

• This policy has two variants: Super Top Up Plus and Super Top Up Select.
• The Super top up plus sum insured ranges from INR 3 lakh to INR 30 lakh.
• The Super top up select sum insured ranges from INR 1 lakh to INR 30 lakh.
• Other common features are as follows:

1. Coverage of inpatient hospitalization expenses, when admission is more than a day.
2. The insured can opt for any room category.
3. Pre-and post-hospitalization costs are covered up to 60 and 90 days, respectively.
4. Coverage for non-medical costs up to actual expenses.
5. Coverage for organ donor expenses.
6. Avail 5% additional sum insured every policy year, maximum up to 50%.
7. Add-on cover for 11 critical illnesses such as cancer, heart stroke.

Manipal Cigna Pro Health Cash Plan

This plan provides a daily hospital cash benefit to the insured at the time of hospitalization, and thus covers all the expenses and costs arising out of hospital admission. The daily cash benefit ranges from INR 500 to INR 5,000 on every day basis.

Key Features:

• Online renewal discount of 3% and family discount of 10% for covering three or more family members.
• Option to choose personal accident cover from INR 50,000 to INR 25 lakh.
• The plan has two variants: Basic and Enhanced plans.
• The basic plan offers benefits such as cash coverage for ICU and sickness, optional daycare treatment benefit.
• The enhanced plan includes all the benefits of the basic plan and offers additional benefits such as worldwide coverage, convalescence benefit which covers expenses during the recovery of an injury or illness.
• The enhanced plan also offers compassionate benefits, which is related with beneficial benefits such as inpatient and day care of the patient.

Manipal Cigna Aarogya Sanjeevani Plan

This is a low-cost and basic health insurance plan which covers the general health care needs of the people, providing the coverage up to INR 10 lakh. This plan is available for self, family and multi individuals. The Aarogya Sanjeevani health insurance plan is good when someone is looking for a cost-effective option which covers you from both Covid-19 and other illnesses.

Key Features:

• Coverage for AYUSH treatment costs.
• Coverage for modern and advanced treatment costs like laser and robotic surgeries.
• Comes in multiple sum insured options ranging from INR 50,000 to INR 10 lakh.
• Coverage also includes pre- and post-hospitalization costs, charges for ICU, and hospital room rent.
• There is the same premium irrespective of which the insured belongs to.

Manipal Cigna Corona Rakshak Plan

This is a standard policy that covers all the costs and expenses related to Covid-19. The sum insured of this policy starts from INR 50,000. The policy is available on an individual basis and does not have a family floater option.

Key Features:

• 100% lump sum payout of the sum insured amount on the positive diagnosis of Covid-19.
• Lump sum payout is given when the hospitalization is for a minimum period of 72 hours.
• The waiting period is 15 days.
• The policy tenure is 3.5 months, 6.5 months and 9.5 months.

Manipal Cigna Corona Kavach Plan

This is a policy specially designed to cover the hospitalization expenses on the positive diagnosis of Covid-19. It provides coverage up to INR 5 lakh. The policy is available for both family floater and individual options.

Key Features:

• Coverage for pre- and post- hospitalization for 15 days and 30 days respectively.
• Coverage for AYUSH treatment with an option of hospital daily cash.
• Add-on coverage for hospital daily cash of 0.5% of the sum insured on every day basis, maximum up to 15 days.
• Coverage for the costs related to any hospitalization for a minimum period of 24 consecutive hours.
• Coverage for ambulance charges for maximum up to INR 2,000.
• Avail home treatment for a maximum up to 14 days.
• 5% discount on premium provided to healthcare workers.
• The waiting period is 15 days.

Manipal Cigna Critical Care Plan

This plan provides protection against life-threatening diseases such as cancer, heart attack, brain stroke, asthma and many more. This plan covers up to 30 major critical illnesses with the sum insured amount ranging from INR 1 lakh to INR 25 crore. It offers the entire sum insured amount on first diagnosis of listed critical illnesses. The plan comes in two variants: Basic and Enhanced plan.

Key Features:

• The basic plan covers 15 critical illnesses and the enhanced plan covers 30 critical illnesses.
• Both the plans provide the lump sum payout or staggered payout option.
• Worldwide coverage.
• The insured can avail the benefits under online rewards programs.
• Discount on premium up to 10% for covering more than two members.
• Discount of 7.5% and 10% on choosing a two- and three-year policy respectively.
• Get coverage for availing second medical opinions from a networked medical practitioner.

Manipal Cigna Accident Care Plan

This plan ensured financial help and provided safety in case of any unfortunate events such as accidental death or permanent or temporary disability due to accident. The policy comes in three different variants: basic, enhanced and comprehensive plan. The sum insured ranges from INR 50,000 to INR 10 crore.

Key Features:

• Worldwide coverage is from day one of the policy purchased.
• 100% compensation to the insured’s family in case of an accidental death.
• The basic plan does not cover permanent total and partial disablement, but the enhanced and comprehensive plan covers these two riders.
• The basic plan does not provide any coverage for child’s education fund, loss of employment due to any kind of disability arising out of accidental injuries. However, the other two plans provide coverage for the same.
• The insured provides a one-time payment for a child’s education fund which is equivalent to 10% of the sum insured.
• For the coverage of temporary disablement, the insured has to take an add-on cover.
• Other optional covers of burns benefit, broken bones benefit, coma benefit, are available to enhance the coverage under each plan.
• Funeral expenses and emergency ambulance coverage are available in all the plans.

Manipal Cigna Sural Suraksha Bima

This is a very basic kind of accident policy, which provides the coverage up to INR 1 crore. This policy is quite affordable and cost-effective which covers the unexpected expenses arising out of accidental death and injuries.

Key Features:

• Provides 100% compensation of the sum insured in case of an accidental death.
• Provides 100% compensation of the sum insured in case of a permanent total disablement.
• Option to increase the coverage by 5% of the basic sum insured, subject to a maximum of 50% for each claim-free year of policy.
• Optional covers can be taken for temporary total disablement, education fund and coverage of hospitalization costs due to accident without any capping on room rent category.