A COMPREHENSIVE HEALTH INSURANCE

PLAN FOR YOU.

After all, health deserves the best medical care available.

Comprehensive Insurance cover Continuity benefit* on the Loyalty discount on the

from `50 lacs to `3 crores entire chosen Sum Insured applicable premium from the
for those with existing base 4th policy year onwards, for a
Sum Insured (excluding lifetime
cumulative bonus) of ₹10 lacs
and above

Unlimited restoration* for Any room category including Customize as per the changing life
unrelated illnesses to ensure suite available under inpatient stages with optional packages
you never run out of cover hospitalization for Sum Insured such as Women+ (specialized
`3 crores package for women) and Health+
(coverage enhancement)

*Terms and Conditions apply

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GET TO KNOW US BETTER 10. Robotic and Cyber Knife Surgery
Doesn’t it feel nice to have someone you can count on, when you are We will cover the medical expenses incurred towards Robotic
not in the best of health? Someone to take away your worries and or Cyber knife Surgery of the insured person subject to the
see you through the tough times, so you can concentrate on getting illness/ injury being covered under ‘Hospitalisation Expenses’
better. At ManipalCigna Health Insurance we do exactly that. We and the necessity being certified by an authorised Medical
work to improve the health, well - being and peace of mind of those Practitioner.
we serve. Whether it’s for you or your family, our insurance plans 11. Modern and Advanced Treatments
help you to safeguard your health while securing your finances.
Our purpose is to be the “Partner of choice” for our customers and We will cover the medical expenses incurred towards Modern
our communities we serve. Our performance is inspired by and, and Advanced Treatment (listed in policy terms and conditions)
in many ways, defined by the impact we have on our customers’ of the insured person subject to illness/ injury being covered
lives including their health and wellness. We do all this by providing under ‘Hospitalisation Expenses’ and the necessity being
convenient, supportive, responsive and satisfying health protection certified by an authorized Medical Practitioner.
solutions beyond regular health cover. While certainty is hard to 12. HIV/AIDS and STD Cover
come by, you’ll never doubt our desire to help you out because we We will take care of the medical expenses incurred towards
believe “Health hai toh life hai”. treatment taken during In-patient Hospitalisation of the Insured
Presenting ManipalCigna Lifetime Health India Plan designed to Person, arising out of a condition caused by or associated to
cover you and your loved ones at every stage of life. It provides a HIV or HIV related Illnesses, including AIDS or AIDS Related
blend of coverages to protect your health needs for lifetime. Complex (ARC) and/or any mutant derivative or variations
thereof or sexually transmitted diseases (STD).
NOW NO COMPROMISE WHEN IT COMES TO YOUR HEALTH. 13. Mental Care Cover
We will cover the medical expenses incurred towards treatment
BASE COVER taken during In-patient hospitalisation of the Insured Person,
1. Hospitalisation Expenses: arising out of a condition caused by or associated to a mental
An important part of the medical insurance, which covers illness, stress, anxiety, depression or a medical condition
the medical expenses of an insured person, in case of a impacting mental health.
hospitalisation more than 24 consecutive hours arising from a 14. Restoration of Sum insured
disease/ illness or injury. You may claim for an illness and God forbid there is another
2. Day Care Treatment: one that requires hospitalisation, we will provide for a 100%
We will cover the medical expenses of an insured person in restoration of the sum insured for any number of times in a
case of a Day Care Treatment or Surgery that requires less Policy Year for unrelated illness, injury.
than 24 hours of hospitalisation. 15. Premium Waiver Benefit
3. Pre - hospitalisation: If the Policyholder who is also an insured person under the
We will cover the medical expenses of an insured person, policy suffers Permanent Partial Disablement, Permanent Total
incurred towards a disease/ illness or injury that occurs during Disablement, death due to an injury caused by an accident or
the policy period and immediately prior to the insured person’s he/she is diagnosed with a listed Critical Illness mentioned in
date of hospitalisation for maximum up to 60 days. the policy, then we will pay the next Renewal Premium of the
Policy, for a policy tenure of 1 year.
4. Post - hospitalisation:
Once a claim has been accepted and paid under this Benefit,
We will also cover the medical expenses of an insured person, this cover will automatically terminate in respect of that Insured
incurred towards a disease/ illness or injury that occurs during Person.
the policy period and immediately post discharge of the insured
person from the hospital for maximum up to 180 days.
OPTIONAL PACKAGES
5. Inpatient hospitalisation for AYUSH: Health+
We will cover the medical expenses incurred towards the
insured person in case of a treatment taken during In - patient 1. Air Ambulance Cover:
hospitalisation for AYUSH, for an illness or injury that occurs We will cover the expenses incurred towards transportation of
during the policy year. an insured person by a registered healthcare or Ambulance
6. Road Ambulance Cover: service provider, to the nearest hospital or to move the insured
We believe nothing should come between you and timely person to and from healthcare facilities within India, by an Air
treatment. We will cover the expenses incurred towards Ambulance, provided that the Air Ambulance is used during
transportation of an insured person by a registered healthcare medical Emergency of the insured person. This benefit is
or Ambulance service provider, to a Hospital for treatment of available once in a Policy year for each Insured Person.
an Illness or Injury, covered under the Policy. 2. Medical Devices and Non - Medical Items:
7. Donor Expenses: We will cover the expense towards Non - Medical items, and
We will cover the In - patient hospitalisation medical expenses cost of buying medical devices listed in terms and conditions
towards the donor for harvesting the organ, provided that: of the policy, prescribed to the Insured Person by the treating
The organ donor is any person in accordance with the Medical Practitioner, during or after hospitalisation for a
Transplantation of Human Organs Act 1994 (amended) and treatment.
other applicable laws and rules. 3. Domestic Second Opinion:
8. Domiciliary Expenses If an insured person is diagnosed with/ advised a treatment
We will cover the medical expenses of an insured person listed under Major Illness/es (in Policy Terms and Conditions),
incurred towards treatment of a disease, illness or injury, which you may choose to secure a second opinion from Our Network
in the normal course would otherwise have been covered of Medical Practitioners in India. The expert opinion would be
for hospitalisation under the Policy but is taken at home on directly sent to you.
the advice of the attending medical practitioner, under some 4. Bariatric Surgery Cover:
specific circumstances. We care for your health. We will cover the Medical Expenses
9. Adult Health Check - up incurred towards hospitalisation of the insured person for
If the Insured Person is of age 18 years or above at the start of Bariatric Surgery and its complications.
the policy year, then he/she may avail a comprehensive health 5. Convalescence Benefit:
check - up at Our Network. This benefit will be available once If the insured person is hospitalised for at least 10 consecutive
a Policy Year starting from the first Policy Year. Original copies days or more and the hospitalisation claim is admissible
of all reports will be provided to You. under Hospitalisation expenses, then We will pay a lump sum
amount towards convalescence.
6. Major Illness Hospi Cash • Premium Payment Modes: Monthly^, Quarterly, Half Yearly,
If the insured person is hospitalised for treatment of a Major Yearly, Single (Premium loading will apply for Monthly,
Illness, listed under the Policy, for each continuous and Quarterly and Half Yearly)
completed period of 24 hours of hospitalisation, we will pay a • Free-look: A period of 15 days to cancel the policy.
daily cash benefit. • Cancellation: Request can be placed during the policy
7. Chemotherapy and Radiotherapy Cash Premium refund will be on short period basis. No refund on
We understand the financial impact of medical treatment. cancellation for Premium payment mode Monthly, Quarterly,
Accordingly, if the insured person undergoes Chemotherapy Half- Yearly
or Radiotherapy as a Day Care Treatment without 24 hours of • Discounts:
Hospitalisation, We will pay a Cash Benefit. Ø Long Term Discount: 7.5% for 2 years and 10% for 3 years
8. Accidental Hospi Cash: policy term
The plan is also designed to take care of accidental Ø Family Discount: 15% for covering 2 or more family members
emergencies. If the insured person is hospitalised for a under single individual policy
treatment of an injury sustained due to an accident that Ø Online Renewal Discount: A discount of 3% p.a. on the
occurred during the Policy Period, for each continuous and premium from next renewal, if the premium is received
completed period of 24 hours of hospitalisation, we will pay a through NACH or Standing Instruction (where payment is
daily cash benefit. made either by direct debit of bank account or credit card.)
9. Domestic Concierge Services: Ø Loyalty Discount: 5% discount from 4th policy year to 7th
If the insured person is hospitalised for a treatment of an policy year. 10% discount from 8th policy year onwards.
illness/ injury covered under the policy, We will offer assistance
and support through Our concierge services. WAITING PERIODS:
10. Tele - Consultations:
• First 30 days waiting period is applicable for all illnesses other
If the Insured Person wishes to avail consultations via tele/ than accidents.
chat mode with our team of Medical Practitioners, the same is
available through our network. • 24 months waiting period is applicable on specific ailments.
• Pre-existing diseases will not be covered for 24 months
Women+
1. Breast Cancer Screening: • A 90 day waiting period and 30 day survival period is applicable
to Critical Illness Add - on cover (if opted).
An annual Mammography screening will be available to each
insured female.
2. Cervical Cancer Screening: KEY EXCLUSIONS:
An annual papanicolaou screening, commonly known as pap We will not cover any costs towards
smear will be available to each insured female. • Any illness resulting from the Insured committing any breach of law
3. Cervical Cancer Vaccination: • Contamination from Nuclear fuel or radiation
We will pay the charges of vaccine incurred towards Cervical • Foreign invasion or civil war
Cancer vaccination. Cost of each dose of the vaccine will be
limited up to `2,500. • Expenses arising from war, war like situations
4. Ovarian Cancer Screening: (For complete list please refer the Terms and Conditions)
An annual Ovarian Cancer screening known as Ultrasound
and CA 125 will be available to each insured female. WHO IS ELIGIBLE FOR THIS PLAN?
5. Osteoporosis Screening:
• Min Entry Age: Child - 91 days, Adult - 18 years
An annual Osteoporosis screening known as Dexa scan will
be available to each insured female. • Max Entry Age: Child - 25 years (in a family floater policy),
Adult - 65 years
6. Gynecological Consultation:
Each insured female may avail maximum up to 15 out-patient
gynecological consultations. COVER TYPE:
Individual and Family Floater
7. Psychiatric and Psychological Consultations:
Each insured female may avail maximum up to 5 out-patient
psychiatric/ psychological consultations and psychotherapy POLICY PERIOD:
session. 1, 2 and 3 years

ADD ON COVER RELATIONSHIPS COVERED:

Critical Illness Individual Plan: An Individual plan can be bought for self, lawfully
wedded spouse, children, parents, siblings, parent in laws,
Along with this product, you can also avail the ManipalCigna Critical grandparents and grandchildren, son in-law and daughter in-law,
Illness - Add On Cover. If opted, we will pay a lump sum amount uncle, aunt, nephew and niece
equal to the opted sum insured in case of first diagnosis of the
Floater Plan: A floater plan can cover self, lawfully wedded spouse,
covered Critical Illness.
children up to the age of 25 years, parents and parent in laws. A
floater cover can cover a maximum of 2 adults and 3 children under
FEATURES: a single policy. Combinations allowed under 2 Adults are: Self &
• Grace Period: 15/30 days as applicable for renewal with all Spouse or Father & Mother or Father-in-law & Mother-in-law.
continuation benefits.
BENEFIT TABLE :

Sr. No. What am I covered for Description

Sum Insured1 (`) 1
For Coverages 1 to 15:
i
50 Lacs/ 75 Lacs/ 100 Lacs/ 150 Lacs/ 200 Lacs/ 300 Lacs
India Plan (Base Cover)
Hospital expenses, for admission longer than 24 hours, up to the full Sum Insured, where
hospitalization is in India.
Hospitalization Expenses
1 - For Sum Insured up to `200 Lacs - Covered up to any room except suite or higher
category.
- For Sum Insured `300 Lacs - Covered up to any room including suite category.
2 Day Care Treatment All Day Care Treatments, availed in India, covered up to the full Sum Insured.
Medical Expenses incurred in India, covered up to 60 days preceding the date of Hospitalization
3 Pre - hospitalization
and up to the full Sum Insured.
Medical Expenses incurred in India, covered up to 180 days immediately after discharge from
4 Post - hospitalization
the hospital and up to full Sum Insured.
Inpatient Hospitalization for
5 Up to full Sum Insured, for treatment availed in India.
AYUSH
6 Road Ambulance Cover Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

7 Donor Expenses Up to full Sum Insured, for expenses incurred in India.

8 Domiciliary Expenses Up to 10% of Sum Insured, for expenses incurred in India.

Available once in a Policy Year to all Insured Persons who have completed 18 years of Age or
more at the inception of the Policy Year.
9 Adult Health Check - up
Health check - up will be conducted at our Network in India, as per the list specified under the
Policy.
Robotic and Cyber Knife
10 Up to full Sum Insured, for treatment availed in India.
Surgery
Modern and Advanced
11 Up to full Sum Insured, for treatment availed in India.
Treatments
12 HIV/AIDS and STD Cover Expenses incurred in India up to full Sum Insured.

13 Mental Care Cover Up to full Sum Insured, for treatment availed in India.
Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum
14 Restoration of Sum Insured Insured opted. The restored amount will be available for claim towards expenses covered in
India only.
Renewal Premium for one Policy Year will be paid by Us, if the Proposer is diagnosed with any
of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement,
15 Premium Waiver Benefit
Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured
Person in the same Policy.
Optional Packages
This section lists the optional packages, available under the product and limits for each of these options.
Please note: Any cover under a package (Health+, Women+) cannot be opted on a standalone basis, however, can only be opted as a
package. Selection of this package is allowed at Policy level only.
Health+
I Each benefit is available on Individual Basis.
- Sum Insured/ limits specified under Health+ is over and above that of Base Plan.
Expenses incurred on availing Air Ambulance services in India, in case of an Emergency. Cover
1 Air Ambulance Cover
is available up to `10 Lacs and maximum one event per Policy Year.
Expenses towards medical devices and non - medical items (listed under the policy) incurred in
Medical Devices and Non -
2 India. The cover is available up to `2 Lacs and once in 3 Policy Years. One or more claims of
Medical Items
Medically Prescribed medical device/s will be payable if that is related to one Hospitalization.
Medical second opinion available in India, for Major Illnesses (listed under the Policy).
3 Domestic Second Opinion Opinion can be sought once during a Policy Year for one illness and multiple times for different
Major Illness/es.
Expenses incurred in India towards Bariatric Surgery is covered up to `5 Lacs under below
conditions.
4 Bariatric Surgery Cover i. BMI of at least 32.5 with co-morbidities or
ii. BMI equivalent to 37 and above without any co-morbidity
A waiting period of 2 years, since inception of the benefit under the Policy, shall be applicable.
On consecutive Hospitalization for 10 days or more in India, an amount of `50,000 will be paid as a
5 Convalescence Benefit
lump sum.
A daily cash benefit of `2,500 is paid on every completed 24 hours of Hospitalization of
an Insured Person, provided the Hospitalization is towards treatment of a Major Illness
6 Major Illness Hospi Cash
(as specified in the Policy) in India. The benefit is payable maximum up to 10 days per
Hospitalization.
 A Cash benefit of `2,500 is paid for each sitting of Chemotherapy / Radiotherapy, conducted in
Chemotherapy and
7 a Day Care Treatment (without Inpatient Hospitalization) in India.
Radiotherapy Cash
The benefit is payable maximum up to 12 sittings per Policy Year.
A daily cash benefit of `2,500 is paid on every completed 24 hours of Hospitalization of an
Insured Person in India, provided the Hospitalization is towards treatment of an Injury due to an
8 Accidental Hospi Cash
Accident.
The benefit is payable maximum up to 10 days per Hospitalization.
For Hospitalization in India, assistance services shall be offered to the Insured Person, subject
9 Domestic Concierge Services
to event being covered under the Policy. The benefit is available once in a Policy Year.
10 Tele - Consultations Medical consultations will be available at Our Network in India through tele/chat mode.
Women+
- Available to female of age 12 years and above.
II
- Each benefit is available on Individual Basis.
- Sum Insured/ limits specified under the Women+ is over and above that of Base Plan.
Mammogram test, once in Policy Year for each Insured Person covered under this benefit, at
1 Breast Cancer Screening
Our Network in India.
PAP Smear test, once in a Policy Year for each Insured Person covered under this benefit, at
2 Cervical Cancer Screening
Our Network in India.
Cervical cancer vaccination availed in India with a per dose limit of `2,500, for each Insured
3 Cervical Cancer Vaccination
Person covered under this benefit.
Ultrasound and CA -125 test, once in a Policy Year for each Insured Person covered under this
4 Ovarian Cancer Screening
benefit, at Our Network in India.
DEXA Scan, once in a Policy Year for each Insured Person covered under this benefit, at Our
5 Osteoporosis Screening
Network in India.
15 outpatient gynecological related consultations in a Policy Year for each Insured Person
6 Gynaecological Consultations
covered under this benefit, at Our Network in India.
Psychiatric and Psychological 5 psychiatric consultations and psychotherapy sessions in a Policy Year for each Insured
7
Consultations Person covered under this benefit, at Our Network in India.
Add on cover (Rider)

1 Critical Illness Add on: Lump sum payment of Sum Insured, upon diagnosis of a listed Critical Illness.

THE KEY PILLARS UNDERLYING OUR SERVICES ARE:

Reliable Information: Our Health Relationship Managers and customer friendly website provides instant access to healthcare knowledge
and personalized policy information.
Claims Handling: Our claims processing service is fast and accurate. You can rely on our claims service associate for easy, efficient and
hassle-free claims and discharge experience through our on-site and off-site claims services.
Prevention and Well-being: We are proactive in identifying your health risks and help you in their management. We go beyond paying
claims by bringing to our customers preventive adult checkups that help them live healthier and happier.

Dedicated Assistance Services

For any questions or queries, you can contact us at:

1800-102-4462 [email protected]

Disclaimer:
Prohibition of Rebates (under section 41 of Insurance Act, 1938, as amended):
1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating
to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing
or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

ManipalCigna Health Insurance Company Limited (Formerly known as CignaTTK Health Insurance Company Limited) | CIN: U66000MH2012PLC227948 | IRDAI Reg. No.: 151
| Regd. Office: 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai - 400 063 | For more details on risk factors, terms and conditions,
please read the sales brochure/ sales document available on our website (Download section) before concluding a sale | Trade Name / Trade Logo belongs to MEMG International
India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license | Tax benefits are subject to changes
in tax laws | ManipalCigna Lifetime Health UIN: MCIHLIP21559V012021 | ManipalCigna Critical Illness Add On Cover | UIN: MCIHLIP21128V022021 | Toll free: 1800-102-4462 |
Website: www.manipalcigna.com | ARN: ADV/0274/Feb/2020-21.