Network hospitals
8500+
Claim settlement ratio
99.96%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
1.5
Pan India Presence
77+
Protect your family with the ManipalCigna Arogya Sanjeevani policy!
Yes, you heard that right. You should buy a standard health insurance policy like Arogya Sanjeevani's policy of ManipalCigna which offers an all-around solution for their healthcare requirements. You can buy this plan either on an individual or a family floater basis which allows you to cover a maximum of 2 adults and upto 3 children under a single policy. But whom can you cover under this policy? You can easily cover:
Additionally, there's a lifelong renewability benefit with this policy which makes sure you're protected against any odds throughout your life. Be it an accidental injury, or an illness that requires treatment or hospitalization, daycare procedures and more, the Arogya Sanjeevani policy of ManipalCigna covers it all.
Need any further information about the ManipalCigna Arogya Sanjeevani policy? Go through this guide where we've collected all the info related to its eligibility criteria, specifications, exclusions, etc.
To understand ManipalCigna Arogya Sanjeevani Plan Insurance in detail, take a look at the below table:
Child: 3 Months - 25 Years, Adults: 18 - 65 Years
Individual and Family Health Insurance
50 K | 80 K | 2 L | 5 L | 8 L | 10 L
30 Days
Lifelong
1, 2, 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, ManipalCigna Arogya Sanjeevani Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under ManipalCigna Arogya Sanjeevani Policy are:
Any PEDs or disability arising due to it
Suicide or an attempt at suicide
Intentional self-injury
Breach of law
Hazardous activities/life-threatening sports
Beautification/plastic surgeries (except caused due to accident/injury)
Alcoholism/drug abuse
Foreign invasion or civil war
Treatment/consequences due to alcoholism/drug abuse
Dietary supplements
Refractive error
Birth control, sterility and infertility
ManipalCigna Arogya Sanjeevani is an end-to-end health insurance policy that covers the basic healthcare needs of the insured and their family members. As per the regulations of IRDAI, every individual must have basic health insurance and to provide the same, they've designed the Arogya Sanjeevani policy.
So, if you're worried about paying higher premiums for expensive health insurance, the ManipalCigna Arogya Sanjeevani policy is your go-to option. For further quotations, call us at 1800 4200 269 and get your queries resolved within minutes.
To cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ManipalCigna Health Insurance plans explore more:
Individual and Family Health Insurance
ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...
Unique Features
Individual and Family Health Insurance
The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...
Unique Features
Senior Citizen Health Insurance
We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...
Unique Features
Individual and Family Health Insurance
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...
Unique Features
Individual and Family Health Insurance
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...
Unique Features
Top Up and Super Top Up
“It’s Super Easy, Super Affordable.” ManipalCigna super top-up plus plan is an additional protection that you can buy to expand your...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi. But have you ever imagined why Indians don't prio...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Select - A health insurance plan that extends coverage in times of need. Life's unpredictable emergencies require your financia...
Unique Features
Senior Citizen Health Insurance
Your safety wallet, anywhere any time. Buy your ManipalCigna ProHealth Cash Policy. ManipalCigna ProHealth Cash plan is extended financial support thr...
Unique Features
Individual and Family Health Insurance
Protect your family with the ManipalCigna Arogya Sanjeevani policy! Yes, you heard that right. You should buy a standard health insurance policy like ...
Unique Features
Accident Health Insurance
Always be prepared for the ups and downs of life! Buy your ManipalCigna Lifestyle Protection Accident Care insurance plan that protects you financiall...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...
Unique Features
Individual and Family Health Insurance
Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...
Unique Features
Group Health Insurance
ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...
Unique Features
Individual and Family Health Insurance
'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new SARVAH plan talks about. With this plan, ManipalCig...
Unique Features
It’s a comprehensive health insurance policy designed by IRDAI that provides healthcare services to you and your family at an affordable premium.
Anyone who is between 18 to 65 years of age can buy the ManipalCigna Arogya Sanjeevani policy. Children between 91 days to 25 years can be included in the family floater option.
Yes, you can avail of the tax benefits under Section 80D of the Income Tax Act, 1961.
Yes, a child/children can be covered under a family floater policy if their age is between 91 days (3 months) to 25 years.
No matter where you live across India, the premiums for this policy will remain the same everywhere.
See More Health Insurance Articles
See More Health Insurance Articles
5
Rated by 1 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
You May Also Know About
Our experts will provide you with guidance and address all your concerns within 30 minutes.
Note: Choose your desired date and time slot and our expert will get in touch with you shortly.
In case you have not found your desired slot, you can visit at website and use the Request Call Back option.
You are just one step away from getting insurance.
Policyx offers a completely spam-free experience. We will never contact you unless you request us to do so.
Your call has been scheduled with Policyx for health insurance.
Talk to an advisor
February 5, 2023
Asia/Kolkata
Do you have any thoughts you’d like to share?