ManipalCigna Health Insurance for Parents

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      ManipalCigna Health Insurance for Parents

      ManipalCigna Health Insurance for parents offer comprehensive medical coverage, and these plans are tailored to address the unique healthcare requirements of individuals above the age of 50 years. Beyond basic scope, ManipalCigna Health Insurance incorporates valuable benefits, such as annual health checkups and emergency assistance services, all aimed at supporting parents with adequate health coverage.

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      ManipalCigna Health Insurance Plans for Parents

      Explore the various ManipalCigna Health Insurance plans suitable for parents:

      Plan Name Plan Variant Sum Insured Pre-existing Diseases Waiting Period Co-Payment
      Prime Senior Classic Rs 3 Lakhs to Rs 50 lakhs 2 years 20% per claim
      Elite Rs 5 Lakhs to Rs 50 lakhs 2 years 20% per claim
      Pro Health Protect Rs 2.5 lakhs to Rs 50 lakhs 4 years 20% on all claims
      Plus Rs 4.5 lakhs to Rs 50 lakhs 3 years 20% on all claims
      Preferred Rs 15 lakhs to Rs 50 lakhs 2 years 20% on all claims
      Premier Rs 1 Crore 2 years 20% on all claims
      Accumulate Rs 5.5 lakhs to Rs 50 lakhs 3 years 20% on all claims
      Pro Health Select - Rs 3 Lakhs to Rs 25 lakhs 4 years -
      Pro Health Prime Protect Rs 3 Lakhs & Rs 4 lakhs 2-3 years, depending on Sum Insured -
      Advantage Rs 3 Lakhs to Rs 1 Crore 2-3 years, depending on Sum Insured -
      Active Rs 3 Lakhs to Rs 15 lakhs 2 years 10% per claim

      Eligibility Criteria for ManipalCigna Health Insurance for Parents

      The following are the requirements that must be met to be eligible for purchasing ManipalCigna Health Insurance for parents:

      Plan Name Minimum Entry Age Maximum Entry Age Renewability
      Prime Senior 56 years 75 years Lifelong
      Pro Health 18 years No Limit Lifelong
      Pro Health Select 18 years No Limit Lifelong
      Pro Health Prime 18 years No Limit Lifelong

      Key Benefits of ManipalCigna Health Insurance for Parents

      Here are 10 crucial advantages associated with the acquisition of ManipalCigna Health Insurance for Parents:

      • No mandatory pre-policy medical checkup
      • Comprehensive hospitalization coverage for both illness and wellness needs
      • Option to choose from a wide range of deductible options, providing flexibility in coverage
      • Restoration of the sum insured, allowing for multiple unrelated illness or injury claims in a policy year
      • Expenses for delivery or medically necessary termination of pregnancy
      • Annual health check-up facilities to ensure preventive care
      • Tax benefits under Section 80D of the Income Tax Act
      • Cashless facility at a wide network of 8000+ hospitals
      • Value-added services like health coach and health assessment
      • Coverage for transport expenses incurred for ambulance to the hospital by road

      Inclusions of ManipalCigna Health Insurance for Parents

      ManipalCigna Health Insurance for parents extends coverage to encompass a multitude of elements:

      Coverage Prime Senior Pro Health Pro Health Select Pro Health Prime
      In-patient hospitalization expenses
      Pre-hospitalization medical expenses
      Post-hospitalization medical expenses
      Day care treatment
      Domiciliary hospitalization
      Road ambulance cover
      Organ donor expenses
      AYUSH treatment
      International emergency assistance services X X X
      Second e-opinion on major illnesses ✓ (Available with Elite Plan) X
      Modern treatments
      OPD treatment X X X ✓ (Available only with Advantage Plan)
      Mental Illness Hospitalization X X
      Obesity treatment X X X ✓ (Bariatric Surgery Cover)
      Premium waiver ✓ (Available with Elite Plan) X X
      International coverage for major illnesses X X X
      Personal accident cover X X X
      Vaccination cover X X ✓ (New Born & One year vaccination expenses)

      Optional Inclusions (Purchased as Add-ons)

      Below is a list of additional coverage options available for selection when purchasing ManipalCigna Health Insurance for Parents:

      • Unlimited tele-consultation in a policy year including specialists
      • Domestic second opinion (available with Elite Plan)
      • Premium waiver benefit (available with Elite Plan)
      • Discount on pharmacy, diagnostics, medical devices, health supplements, and other services offered by network providers
      • Any room upgrade (reduction in proportionate deduction)
      • Reduction in pre-existing disease waiting period to 90 days only
      • OPD packages for coverage of doctor consultations and prescribed diagnostics on a cashless basis within the OPD sum insured
      • Voluntary Co-pay
      • Cumulative Bonus Booster
      • Critical Illness Add-on Cover
      • Removal of Room Rent Limit: Covered up to Single Private Room
      • Lump sum diagnosis of cancer can be availed once in a lifetime
      • Air ambulance cover

      Exclusions of ManipalCigna Health Insurance for Parents

      ManipalCigna Health Insurance for parents does not cover medical expenses for the following treatments:

      • Treatments due to alcohol addiction
      • Obesity and weight control treatments
      • Cost of contact lenses, spectacles, and hearing aids
      • Cosmetic or plastic surgery
      • Treatment for baldness
      • Intentional self-injury
      • Non-medical expenses
      • Breach of Law
      • Contamination from Nuclear fuel or radiation
      • Suicide or drug abuse
      • Foreign invasion or civil war

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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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