ManipalCigna Health Insurance for NRIs
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Overview of ManipalCigna Health Insurance for NRIs
ManipalCigna health insurance for NRI provides medical coverage to NRIs or Non-resident Indians during their visit or stay in India. It covers the cost of hospitalization, ambulance services, modern treatments, etc. incurred within India and abroad. It also comes with a variety of lucrative benefits, such as premium waiver benefit, restoration of the sum insured, health check-up benefit, etc.
ManipalCigna Health Insurance Plans for NRIs in Detail:
ManipalCigna ProHealth Prime Plan
The ManipalCigna ProHealth Prime plan is available with sum insured options ranging from Rs 3 lakh to Rs 1 crore. It comes in three variants – Protect, Advantage and Active.
Coverage Benefits:
- Hospitalization expenses, bariatric surgery and air ambulance charges are covered
- Coverage for mental illness, STD & HIV/AIDS and daily cash for shared accommodation are available
- Domestic second opinion, teleconsultation, donor expenses and AYUSH treatment are covered
- Premium waiver benefit, switch off benefit, annual health check-ups and restoration of the sum insured are available
- 4 optional packages are available, including Enhance Plus, Assure, Enhance and Freedom
ManipalCigna ProHealth Insurance Plan
The ManipalCigna ProHealth Insurance plan comes with a sum insured varying from Rs 2.5 lakh to Rs 1 crore. It is available in five variants – Protect, Plus, Preferred, Premier and Accumulate.
Coverage Benefits:
- Cost of in-patient hospitalization, domiciliary treatment and day care treatment is covered
- Worldwide emergency cover, AYUSH cover and health maintenance benefit are available
- Maternity expenses, newborn baby expenses and ambulance expenses are covered
- Restoration of sum insured, health check-ups and cumulative bonus are available
ManipalCigna Prime Senior Plan
The ManipalCigna Prime Senior plan offers a sum insured ranging from Rs 3 lakh to Rs 50 lakh. This senior citizen health insurance plan comes in two types – Classic and Elite.
Coverage Benefits:
- In-patient hospitalization, AYUSH treatment and modern advanced treatments are covered
- Coverage for HIV/AIDS & STD, mental illness and air ambulance are available
- Day care treatment, domestic second opinion and teleconsultations are covered
- Health check-ups, premium waiver benefit, restoration of the sum insured and cumulative bonus are available
ManipalCIgna LifeTime Health Plan
The ManipalCigna LifeTime Health plan comes with a sum insured amount ranging from Rs 50 lakh to Rs 3 crore. It is divided into the India plan and the global plan.
Coverage Benefits:
- Cost of hospitalization, robotic & cyber knife surgery and ambulance services incurred globally are covered
- Mental care cover, HIV/AIDS & STD cover and medical evacuation & repatriation are available
- Domiciliary expenses, in-patient AYUSH treatment and global travel vaccination are covered
- Premium waiver benefit, adult health check-ups and restoration of the sum insured are available
- Optional packages, including Health+, Women+ and Global+, are available
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Benefits of ManipalCigna Health Insurance for NRIs
NRIs can avail the following benefits by buying a ManipalCigna health insurance plan:
- No Room Rent Limit – Most health plans offered by ManipalCigna Health Insurance Company covers the hospital room rent of the NRI up to the sum insured limit without any sub-limit.
- Premium Waiver Benefit – All ManipalCigna health insurance plans for NRIs come with a premium waiver benefit that exempts NRIs from paying the 1-year renewal premium if diagnosed with accidental death and permanent total/partial disability.
- Global Cover – Some plans also cover hospitalization expenses incurred worldwide allowing NRIs to obtain coverage in their foreign country of residence.
- Tax Benefits – NRIs can also obtain tax deductions on the premium amount paid to buy the ManipalCigna health plan as per the Income Tax Act, Sec 80D.
How to Buy ManipalCigna Health Insurance for NRI?
Here are the steps to buy a ManipalCigna health insurance plan for NRI:
Step 1: Visit the website of Policybazaar Insurance Brokers Private Limited
Step 2: Click on the Health Insurance icon and enter your name & gender
Step 3: Choose the people to be insured and enter their ages
Step 4: Fill in your international phone number and the city of permanent residence in India
Step 5: Provide information if you or your family members suffer from an existing illness
Step 6: Pick the ManipalCigna health insurance plan that you wish to buy
Step 7: Confirm all the details and pay the premium amount online
Step 8: The ManipalCigna Health Insurance Company will issue the policy to the NRI.
Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.
How to Renew ManipalCigna Health Insurance for NRI?
Follow the procedure given below to renew your ManipalCigna health insurance policy for NRI:
Step 1: Go to Policybazaar.com and click on the ‘Renew Your Policy’ option at the top of the page
Step 2: From the dropdown menu, select the ‘Health Renewal’ option
Step 3: Enter your international phone number and the OTP received in the space provided
Step 4: New users can select ‘Health Insurance’ from the homepage and provide the details required
Step 5: Select the ManipalCigna health insurance plan for renewal and pay its premium price online
Step 6: The insurance company will renew the policy of the NRI.
Note: NRI customers can get a GST refund if the policy was renewed from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration and a 6 months bank statement of the NRE account used to pay the renewal premium.
How to File a Claim with a ManipalCigna Health Insurance Plan for NRI?
Check out the steps that NRIs can follow to file a claim with ManipalCigna health insurance:
1
Intimate the Insurer
Inform the TPA desk at the network hospital about your planned hospitalization at least 48 hours in advance and emergency hospitalization within 24 hours.
2
Document Submission
The TPA will submit your pre-authorization form along with the other required documents to the insurance company to obtain cashless treatment approval.
3
Get Pre-Authorization for Cashless Treatment
The insurer will assess all the documents and will approve your cashless claim request.
4
Post-Treatment Document Submission
Once your treatment is done, the TPA will submit all the required documents, such as hospital bills, to the insurer.
5
Claims Payment
After carefully reviewing all the documents, the insurer will pay the claim amount to the insurance company.
Note: In case of reimbursement claims, the NRI should pay the entire hospital bill at the time of discharge and collect all the documents. Submit these documents to the insurance company within the speculated time frame. The insurer will verify the documents and pay the claim amount directly to the NRI.
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies
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