HEALTH INSURANCE

THAT LASTS FOR A LIFETIME

Presenting

Wide blend of coverages to

protect your health for life
 ManipalCigna Lifetime Health India Plan is
designed to cover you and your loved ones at
every stage of life. With a wide blend of coverages
to protect your health needs for life, it brings you:
BETTER COVERAGE

COMPREHENSIVE COVERAGE, ₹50 LACS UP TO ₹3 CRORES

So you and your loved ones always get nothing but the best
healthcare, you deserve, anywhere in India

GUARANTEED CUMULATIVE BONUS +

Time to get more with add on 15% of your India coverage Sum Insured
each policy year, irrespective of claims. There is no capping on accumulation.

UNLIMITED RESTORATION* UP TO 100% OF SUM INSURED

So, you never run out of your health cover even for multiple
hospitalization for unrelated illnesses
BETTER CONTROL

CONTINUITY BENEFIT* ON THE ENTIRE SUM INSURED

for those with existing base Sum Insured
(excluding cumulative bonus) of ₹10 lacs and above

WORLDWIDE MEDICAL EMERGENCY HOSPITALIZATION+

Medical emergencies can strike anywhere. Travel without worries,
you’re covered for any such situation outside India#.

PICK A ROOM – ANY CATEGORY

BETTER CARE

Pick any Room Category including Suite Under inpatient

hospitalization for Sum Insured ₹3 crores

LOYALTY DISCOUNT
From 4th policy year onwards on applicable premium, for a lifetime

*Terms and Conditions apply Available within opted Area of Cover.

#
EXCITED TO DIG DEEPER. HERE ARE THE DETAILS OF THE PLAN :

BASE COVER

Coverages In case of Hospitalization

Inpatient - Hospitalization Pre - Hospitalization

For hospitalization more than 24 hours Medical expenses incurred up to 60 days
due to illness or injury, room charges as before the date of hospitalization
well as all medical expenses

Post - Hospitalization Road Ambulance Cover

Medical expenses incurred, post the date Transport expenses incurred for
of discharge, up to 180 Days after ambulance to the hospital
hospitalization

Donor Expenses Robotic and Cyber Knife Surgery

Cost of hospitalisation towards the donor Covered if illness or injury is covered
as per applicable laws and rules under ‘Hospitalisation Expenses’ and the
necessity is certified by an authorised
Medical Practitioner

Modern & Advanced Treatments Mental Care Cover

Covered as per terms and conditions if Covered for medical expenses for a
illness or injury is covered under condition caused by or associated to a
‘Hospitalisation Expenses’ and the mental illness, stress, anxiety, depression
necessity is certified by an authorized or a medical condition impacting mental
Medical Practitioner health

HIV/AIDS & STD Cover

Covered for medical expenses for a condition caused by or associated to HIV or HIV related
Illnesses, including AIDS or AIDS Related Complex (ARC) and/or any mutant derivative or
variations there of or sexually transmitted diseases (STD)

Coverages even without Hospitalization

Domiciliary Expenses Day Care Treatment

Covered for treatment of a disease, illness Medical expenses towards a Day Care
or injury, covered for hospitalisation Treatment or Surgery that requires less
under the policy but taken at home on than 24 hours of hospitalisation
the advice of medical practitioner, under
some specific circumstances
 AYUSH COVERAGES for Alternative Treatments

Yoga &
Ayurveda Unani Siddha Homeopathy
Naturopathy

In-patient medical expenses for hospitalization towards non-allopathic treatments arising due to accident
or illness, up to the limit of Sum Insured

100% Restoration of Sum Insured

Multiple restoration for multiple hospitalisation in a policy year, for unrelated illnesses/
injuries, so that your coverage remains a full coverage all the time

Adult Health Check - Up

Once per policy year, for the insured person of 18 years or more at the start of policy year,
avail a comprehensive health check-up at our network starting from first policy year

Waiver of One Year Premium

Upon occurrence of any of the listed contingencies (Accidental death/Permanent Partial

Disablement/Permanent Total Disablement/listed Critical Illnesses) to the Policyholder,
waiver of one full year premium.
OPTIONAL PACKAGES

HEALTH
+

Air Ambulance Cover Bariatric Surgery Cover

Transportation expenses to the nearest Medical Expenses incurred towards
hospital/ healthcare facility in case of life hospitalisation for Bariatric Surgery
threatening condition demanding and its complications
immediate attention

Domestic Second Opinion Medical Devices & Non-Medical Items

If diagnosed/ advised a treatment listed Expense towards Non-Medical items
under Major Illness/es (in policy Terms and medical devices, as prescribed by
and Conditions), insured can avail a the treating Medical Practitioner, during
second opinion from Our Network of or after hospitalisation for a treatment,
Medical Practitioners in India as per policy terms and conditions

Cash Benefits

Convalescence Benefit Major Illness Hospi Cash

A Lumpsum Amount payable if Daily Cash if hospitalised for treatment of a
hospitalised for 10 or more Major Illness, listed under the Policy, for
consecutive days with claim each continuous and completed 24 hours
admissible under Hospitalisation of hospitalisation
expenses, for loss of income during
hospitalization

Chemotherapy and Accidental Hospi Cash

Radiotherapy Cash Daily Cash, If hospitalised for a treatment of
an injury due to an accident occurring
Cash Benefit for Chemotherapy or
during the Policy Period, for each
Radiotherapy availed as a Day Care
continuous and completed 24 hours of
Treatment without 24 hours of
hospitalisation
Hospitalisation

Domestic Concierge Services

If hospitalised for a treatment of an illness/ injury covered under the policy, assistance and
support through Our concierge services

Tele - Consultations

Consultations via tele/ chat mode with our team of Medical Practitioners, available through
our network
WOMEN
+

Ovarian Cancer Screening Cervical Cancer Screening

An annual Ovarian Cancer screening An annual Papanicolaou screening,
known as Ultrasound and CA 125, commonly known as pap smear,
available to each insured female available to each insured female

Gynecological Consultation Osteoporosis Screening

Up to 15 out-patient gynecological An annual Osteoporosis screening
consultations, available to each known as Dexa scan, available to
insured female each insured female

Breast Cancer Screening Cervical Cancer Vaccination

An annual Mammography screening, Covered with cost of each dose of the
available to each insured female vaccine limited up to ₹2,500

Psychiatric and Psychological Consultations

Up to 5 out-patient psychiatric/ psychological consultations and psychotherapy sessions,
available to each insured female

ADD MORE WITH

Get a lump sum amount equal to the opted sum insured in case of first diagnosis of the covered
Critical Illness

II

Shield Advance OPD

To cover for listed Option to choose from Option to choose from
Non-medical items up to flexible packages to flexible packages to
Sum Insured & Durable cover for consultation, cover for consultation,
medical equipment prescribed diagnostics prescribed diagnostics
up to ₹1 Lac and pharmacy and pharmacy
 III

Cumulative Bonus: You earn a Guaranteed Cumulative Bonus of 15% of the India coverage Sum Insured
at the end of each policy year, irrespective of claims. There is no maximum limit on accumulation.

Worldwide Medical Emergency Hospitalization: We cover your medical expenses worldwide, within the
selected Area of Cover, for any medical emergency that leads to Inpatient Hospitalization or Day Care.
This cover also includes Global Post Hospitalisation and Global Road & Air Ambulance.

Maternity Expenses: Get covered for up to ₹1 Lac for delivery, treatment of the new born baby, and the
first year’s vaccinations, for up to 2 deliveries. Medically necessary termination of pregnancy is also
covered.
Infertility Cover (Optional): If you are hospitalized on the Doctor’s advice for Infertility Treatments, you
are covered for a maximum of ₹2.5 Lacs, over and above the Maternity Sum Insured.

Surrogacy Cover: The medical expenses for a Surrogate Mother are covered up to ₹1 Lac, in case of a
medically necessary hospitalization for complications due to pregnancy through Surrogacy and
Post-Partum Delivery.

Oocyte Donor Cover: Oocyte Donors are covered for medical expenses up to ₹1 Lac, in case of a
medically necessary hospitalization for any complication due to Oocyte retrieval.

Other Features
Grace Period 15/30 days as applicable for renewal with all continuation benefits

Monthly, Quarterly, Half Yearly, Yearly, Single.

Premium Payment Modes
(Premium loading will apply for Monthly, Quarterly and Half Yearly)
Free-look A period of 15 days to cancel the policy
Request can be placed during the policy. Premium refund will be on short
Cancellation period basis. No refund on cancellation for Premium payment mode
Monthly, Quarterly, Half- Yearly

Discounts
Long Term Discount 7.5% for 2 years and 10% for 3 years policy term

Family Discount 15% for covering 2 or more family members under single individual policy
A discount of 3% p.a. on the premium from next renewal, if the premium
Online Renewal Discount is received through NACH or Standing Instruction (where payment is
made either by direct debit of bank account or credit card.)
5% discount from 4th policy year to 7th policy year. 10% discount from
Loyalty Discount
8th Policy year onwards

Waiting Periods

First 30 days waiting period is applicable for all illnesses other than accidents.
24 months waiting period is applicable on specific ailments.
Pre - existing diseases will not be covered for 24 months.
A 90 days waiting period and 30 days survival period is applicable to Critical Illness Add - on cover (if opted)
 Key Exclusions

Any illness resulting from the Insured committing any breach of law
Contamination from Nuclear fuel or radiation
Foreign invasion or civil war
Expenses arising from war, war like situations Refer Terms and Conditions for complete list

Who Is Eligible For This Plan?

Min Entry Age: Child - 91 days, Adult - 18 years
Max Entry Age: Child - 25 years (in a family floater policy), Adult - 65 years

Cover Type Policy Period

Individual and Family Floater 1, 2 and 3 years

Relationships Covered

Individual Plan : An Individual plan can be Floater Plan : A floater plan can cover self,
bought for self, lawfully wedded spouse, lawfully wedded spouse, children up to the
children, parents, siblings, parent in laws, age of 25 years, parents and parent in laws. A
grandparents & grandchildren, son in-law & floater cover can cover a maximum of 2 adults
daughter in-law, uncle, aunt, nephew & niece and 3 children under a single policy.
Combinations allowed under 2 Adults are: Self
& Spouse or Father & Mother or Father-in-law
& Mother-in-law

WHAT AM I
DESCRIPTION
COVERED FOR

For Coverages 1 to 15:

1
Sum Insured1 (₹)
₹50 Lacs/ ₹75 Lacs/ ₹100 Lacs/ ₹150 Lacs/ ₹200 Lacs/ ₹300 Lacs
INDIA PLAN (BASE COVER)

Hospitalization Expenses

All Day Care Treatments, availed in India, covered up to the full

Day Care Treatment
Sum Insured

Medical Expenses incurred in India, covered up to 60 days preceding

Pre - hospitalization
he date of Hospitalization and up to the full Sum Insured.

Medical Expenses incurred in India, covered up to 180 days

Post - hospitalization
immediately after discharge from the hospital & up to full Sum Insured

Inpatient Hospitalization for

Up to full Sum Insured, for treatment availed in India
AYUSH
 Expense incurred on availing Road Ambulance services in India,
Road Ambulance Cover
up to full Sum Insured

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

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.
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

Up to full Sum Insured, for treatment availed in India
Knife Surgery

Modern and Advanced

Up to full Sum Insured, for treatment availed in India
Treatments

HIV/AIDS and STD Cover Expenses incurred in India up to full Sum Insured

Mental Care Cover Up to full Sum Insured, for treatment availed in India

Multiple Restoration is available in a Policy Year, for unrelated illnesses,

Restoration of Sum Insured in addition to the Sum 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
Premium Waiver Benefit case of Accidental Death, Permanent Total Disablement, Permanent
Partial Disablement of the Proposer, provided the Proposer is also an
Insured Person in the same Policy

WOMEN
+

WHAT AM I
DESCRIPTION
COVERED FOR

Mammogram test, once in Policy Year for each Insured Person covered
Breast Cancer Screening
under this benefit, at Our Network in India

PAP Smear test, once in a Policy Year for each Insured Person covered
Cervical Cancer Screening
under this benefit, at Our Network in India

Cervical cancer vaccination availed in India with a per dose limit

Cervical Cancer Vaccination
of ₹2,500, for each Insured Person covered under this benefit

Ultrasound and CA -125 test, once in a Policy Year for each Insured
Ovarian Cancer Screening
Person covered under this benefit, at Our Network in India
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
+

WHAT AM I
DESCRIPTION
COVERED FOR

Expenses incurred on availing Air Ambulance services in India, in case

Air Ambulance Cover of an Emergency. Cover is available up to ₹10 Lacs and maximum one
event per Policy Year

Expenses towards medical devices and non - medical items

Medical Devices and (listed under the policy) incurred in India. The cover is available
Non - Medical Items up to ₹2 Lacs and once in 3 Policy Years. One or more claims of
Medically Prescribed medical device/s will be payable if that is related
to one Hospitalization

Medical second opinion available in India, for Major Illnesses

Domestic Second Opinion (listed under the Policy). Opinion can be sought once during a Policy
Year for one illness and multiple times for different Major Illness/es.

Bariatric Surgery Cover

On consecutive Hospitalization for 10 days or more in India,

Convalescence Benefit
an amount of ₹50,000 will be paid as a 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
Major Illness Hospitalization Cash
towards treatment of a Major Illness (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/

Chemotherapy and Radiotherapy, conducted in a Day Care Treatment
Radiotherapy Cash (without Inpatient Hospitalization) in India. 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
Accidental Hospitalization Cash
Hospitalization is towards treatment of an Injury due to an Accident.
The benefit is payable maximum up to 10 days per Hospitalization

For Hospitalization in India, assistance services shall be offered to the

Domestic Concierge Services Insured Person, subject to event being covered under the Policy.
The benefit is available once in a Policy Year

Medical consultations will be available at Our Network in India

Tele - Consultations
through tele/chat mode
 DEXA Scan, once in a Policy Year for each Insured Person covered
Osteoporosis Screening
under this benefit, at Our Network in India

15 outpatient Gynaecological related consultations in a Policy Year for

Gynaecological Consultations
each Insured Person covered under this benefit, at Our Network in India

5 psychiatric consultations and psychotherapy sessions in a Policy

Psychiatric and Psychological
Year for each Insured Person covered under this benefit, at Our
Consultations
Network in India

ADD MORE WITH:

I Lump sum payment of Sum Insured, upon diagnosis of a listed

Critical Illness

Health 360 Shield

To cover for listed Non-medical items up to Sum Insured & Durable
medical equipment up to ₹1 Lac

II Health 360 OPD

Option to choose from flexible packages to cover for consultation,
prescribed diagnostics and pharmacy

Health 360 Advance

Option to choose from flexible packages to cover for consultation,
prescribed diagnostics and pharmacy

Cumulative Bonus: You earn a Guaranteed Cumulative Bonus of 15% of the India
coverage Sum Insured at the end of each policy year, irrespective of claims.
There is no maximum limit on accumulation.

Worldwide Medical Emergency Hospitalization: We cover your medical

expenses worldwide, within the selected Area of Cover, for any medical
emergency that leads to inpatient hospitalization or day care. This cover also
includes Global Post Hospitalisation and Global Road & Air Ambulance.

Maternity Expenses: Get covered for up to ₹1 Lac for delivery, treatment of the
new born baby, and the first year’s vaccinations, for up to 2 deliveries. Medically
necessary termination of pregnancy is also covered.
Infertility Cover (Optional): If you are hospitalized on the Doctor’s advice for
III
Infertility Treatments, you are covered for a maximum of ₹2.5 Lacs, over and
above the Maternity Sum Insured.

Surrogacy Cover: The medical expenses for a Surrogate Mother are covered up
to ₹1 Lac, in case of a medically necessary hospitalization for complications due
to pregnancy through Surrogacy and Post-Partum Delivery.

Oocyte Donor Cover: Oocyte Donors are covered for medical expenses up to ₹1
Lac, in case of a medically necessary hospitalization for any complication due to
Oocyte retrieval.
 ABOUT MANIPALCIGNA
At ManipalCigna, we're more than a health insurance company. As your partner in
illness and wellness, our mission is to improve the health, well-being, and peace of
mind of those we serve by making health care Affordable, Predictable and Simple. Our
goal is to provide our customers with easy and lifetime access to quality healthcare
with “no compromises, no surprises” so they can live a healthier and more secure life

EXPERT KI SUNO
SAHI CHUNO

Your Expert Health Insurance Advisor has the answer

1800-102-4462 [email protected] www.manipalcigna.com

Prohibition of Rebates (under section 41 of Insurance Act, 1938, as amended)

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 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.

+Cumulative Bonus and Worldwide Medical Emergency Hospitalization are part of ManipalCigna Lifetime Plus.
I represents ManipalCigna Critical Illness Add On Cover
II represents ManipalCigna Health 360
III represents ManipalCigna Lifetime Plus

Disclaimer : 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 |
ManipalCigna Health 360 Add On Cover UIN - MCIHLIA23023V012223 | ManipalCigna Lifetime Plus | UIN:
MCIHLIA24148V012324 | Toll free: 1800-102-4462 | Website: www.manipalcigna.com | ARN: ADV/1255/Jan/2022-23.

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