ManipalCigna Arogya Sanjeevani Policy

Most of the individuals are unaware of the benefits of a health insurance plan because it is the last help hand during a medical emergency. You must always think that health uncertainty can arise anytime so you have to be prepared by taking a health plan. ManipalCigna Arogya Sanjeevani Policy is one of the best health insurance plan that have an affordable premium and gives you a cover of up to Rs.5 Lacs. On the other hand, you can even add your loved ones to the same plan and grab some extra discounts on the amount of premiums. So, you must explore the risks and the cost of treatments that are covered in this plan.

Key Features of Arogya Sanjeevani Plan by ManipalCigna

1. Choose the Sum Assured starting from Rs.1 Lac to Rs.5 Lacs.
2. Cover your family members as well into the same health plan.
3. Get a cover for the AYUSH Treatment and Hospitalization.
4. Get a free-look period of 15 days during which you can return the plan.
5. Choose the premium paying frequency at the time of inception of the policy.
6. Get Tax Deductions under Section 80D as per the Tax Laws.
7. Renew this health policy lifelong.

Benefits of ManipalCigna Arogya Sanjeevani Health Plan

You must not miss out on the benefits of this plan. You can see the cost of treatment, health risks, and the percentage of coverage that will be provided to you in this policy.

Reimbursement of Hospitalization Expenses

If in case you are hospitalized then the Bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered under this plan. You can see them below:-

1. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Cover of Pre and Post-Hospitalization Expenses

All Expenses 30 days before to hospitalization will be reimbursed by the company and the charges for the Post-hospitalization are covered until 60 days into this plan.

Cataract Expenses Cover

If you are going for a Cataract Illness treatment then those expenses will also be covered by the company. You will get the lowest of the following if you are going for this treatment:-

1. 25% of the Sum Assured
2. Rs.40000

Cover for the Day Care Treatment

If you receive treatment for a certain illness within 24 hours without being hospitalized then costs for such treatments will also be reimbursed under this insurance plan. This kind of treatment that you get within a day without being hospitalized is known as the day care treatment.

Cover for Plastic Surgery and Dental Treatment

If you are going through a Plastic Surgery and Dental Treatment and it is required due to any other disease then those expenses will be reimbursed by the company under this plan. All the expenses incurred in the Dental Treatment and Plastic Surgery will be reimbursed by the company.

Cost of AYUSH Treatment

Health expenses related to the AYUSH Treatment that are the Ayurveda, Unani, Siddha, and Homeopathy treatments are covered in this plan. So, all the expenses incurred for these treatments are covered in the ManipalCigna Arogya Sanjeevani Policy.

Risks and Diseases Covered

50% of the Sum Assured will be given to you if you are going through any treatment mentioned below:-

1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

Ambulance Cover

The ambulance expenses are also covered in this health insurance plan. The maximum coverage for the ambulance expenses will be Rs.2000 per hospitalization.

Cover your Family

You have the option to add your loved ones to this plan and you can earn more discounts on the amount of premiums.

1. Spouse
2. Children
3. Parents
4. In-laws

Cumulative Bonus

The company will give you a cumulative bonus of 5% of the Sum Assured if you don’t make any claim in a year. This bonus is also known as a no-claim bonus. The bonus will be added to the Sum Assured for the next year and the company will keep on adding 5% after every claim-free year until the value of the bonus reaches 50% of the Sum Assured.

Eligibility Criteria of ManipalCigna Arogya Sanjeevani Policy

Waiting Period of this Health Insurance Policy

The waiting period of this plan differs on the basis of diseases. Basically, there is a waiting period of 24 months and 48 months for different types of illnesses and you can see all of them below.

Waiting Period of 24 Months

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Waiting Period of 48 Months

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis