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Health Insurance 1537 views October 8, 2020
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.
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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.
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:-
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.
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:-
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.
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.
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.
50% of the Sum Assured will be given to you if you are going through any treatment mentioned below:-
The ambulance expenses are also covered in this health insurance plan. The maximum coverage for the ambulance expenses will be Rs.2000 per hospitalization.
You have the option to add your loved ones to this plan and you can earn more discounts on the amount of premiums.
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.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Minimum Age of Entry for a Dependent Child | 91 Days |
Maximum Age of Entry for a Dependent Child | 25 Years |
Minimum Sum Assured | Rs.1 Lac |
Maximum Sum Assured | Rs.5 Lacs |
Policy Term | 1 Year |
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.