Manipal Cigna Arogya Sanjeevani Policy

When a medical situation arises, people make financial decisions in haste which may cost them a lot in the long run. If you don’t have adequate health coverage, loans or huge credit card bills can drain your savings and investments. Thus having an adequate health cover fund not only your medical expenses but also protect your savings. IRDAI has developed a standard and uniform health insurance policy called the Arogya Sanjeevani Policy to provide comprehensive coverage at an affordable cost which all general insurance companies offer.

Manipal Cigna Arogya Sanjeevani Policy is a basic indemnity health insurance plan that provides essential cover for illness or injury treatment requiring in-patient hospitalisation, including pre and post-hospitalisation expenses. Some of the key features of the policy are daycare treatment cover, in-patient hospitalization for AYUSH treatment, and modern treatment cover.

To best understand the Manipal Cigna Arogya Sanjeevani Policy, let us have a look at the key information regarding the policy.

• Sum Insured - A policyholder can choose a sum insured in a range starting from Rs. 50,000 to Rs. 10 lakhs in multiples of 50,000.
• Eligibility - An individual from 18 to 65 years is eligible to avail of this policy for self and family.
• Policy Type - The policy is available on both an individual and floater basis. In an individual policy, each person insured under the policy has a separate sum insured, and the policy covers self, spouse, dependent children and both parents and parents-in-law. In a floater policy, a single sum insured is shared by all the individuals insured under the policy.
• Policy Term - It is an annual policy with a term of 1 year and can be renewed lifelong.
• Premium Payment Options - Premiums can be paid on an instalment basis like monthly, quarterly, half-yearly or yearly payments.

• Waiting Period - The waiting period in this policy is as follows

  • Initial waiting period of the first 30 days from policy receipt for treatment of any illness. Only accidental hospitalizations are covered.
  • Specific illness waiting period of the first 24/48 months from policy receipt for any listed ailments and procedures.
  • Pre-existing disease waiting period for the first 48 months from policy receipt for any listed procedure or declared pre-existing disease.

• For hospitalisation of more than 24 hours, the policy covers room charges, ICU expenses, OT charges, nursing charges, doctor fees and other medical expenses related to the treatment.
• The policy covers in-patient hospitalisation under AYUSH coverage at a government-recognised hospital or institution.
• The policy also covers all the medical expenses for any treatment that requires less than 24 hours of hospitalisation under the daycare procedures.
• The policy covers expenses for cataract treatment upto 25% of the sum insured to a maximum limit of Rs. 40,000.
• The policy also covers technically advanced treatments like robotic surgery as listed in the policy up to 50% of the sum insured.

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Manipal Cigna Health Insurance does not cover any expenses due to:

• An illness caused by the insured involved in a breach of law
• Injury incurred in a civil war
• Radiation effect
• Drug abuse

Manipal Cigna general insurance gives you many reasons to buy the Arogya Sanjeevani Policy:

• Claim Service - Manipal Cigna’s claim service is efficient, hassle-free and easy.
• 24/7 Customer Service - The company’s customer service and 24/7 health relationship manager provides instant resolution to all your queries and concerns.
• Wide Network - Manipal Cigna has a wide network of 6500+ hospitals across the country to settle your cashless claims.

The company has a hassle-free claim procedure for both cashless and reimbursement claims.

Cashless Claim:

A cashless treatment is available at a network hospitals only and can be availed 24/7 for any of the health insurance policies by Manipal Cigna. Planned hospitalization should be notified to the insurance company at least 48 hrs in advance with details of the hospital and treatment. Emergency hospitalization should be notified to the company within 24 hrs of the hospitalization. The process for the same is:

• Get the pre-authorization form from the network hospital by showing your health card and photo id.
• The network hospital will send the pore-authorised form, duly filled and signed, to the company/TPA.
• The company/TPA will verify the cashless treatment request and all the medical details as per policy guidelines.
• Once verified, an authorization letter is issued.
• After discharge, the hospital sends the final bill with discharge details to the company/TPA, and the insurance company settles the claim.

Reimbursement Claim:

• For reimbursement, the insured must send an intimation to the company/TPA within the specified time limit. The insured should submit all the necessary documents within 30 days of discharge. After verifying all the documents, the company will settle the claim as per the policy.

• There are several documents needed to file a reimbursement claim request. These are claim forms duly filled and signed, policy documents, doctor’s prescriptions, photo IDs of the patient and KYC details of the proposer, payment receipts, discharge summary, medical test reports, NEFT details and any other relevant document needed by the company.

With the sudden increase in different illnesses and infections, health insurance is needed more than ever. The Manipal Cigna Arogya Sanjeevani policy perfectly fulfils the requirement for a basic health coverage plan.