ManipalCigna Lifetime Health

At a Glance

ManipalCigna Lifetime Health - India Plan helps you to have enough coverage for major health eventualities and you can customize it as per your need with inbuilt worldwide emergency cover.

ManipalCigna Lifetime Health - Global Plan helps resident Indians to plan major illness treatment at countries outside India.

Key Features of the coverage

Hospitalization Expenses - Hospital expenses as per eligible room category, for admission longer than 24 hours, up to the full Sum Insured, where hospitalization is in India.
- For Sum Insured up to INR 200 Lacs - Covered up to any room except suite or higher category.
- For Sum Insured INR 300 Lacs – Covered up to any room including suite category.

Adult Health Check-up - Available once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year.

Cummulative Bonus -15% of Base SI guaranteed cumulative bonus addition every year irrespective of claims, continues till LIFETIME.

Day Care Treatment - All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Robotic and Cyber Knife Surgery -Up to full Sum Insured, for treatment availed in India.

Pre – hospitalization - Medical Expenses incurred in India, covered up to 60 days preceding the date of Hospitalization and up to the full Sum Insured.

Modern and Advanced Treatments - Up to full Sum Insured, for treatment availed in India.

Post – hospitalization - Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

HIV/AIDS and STD Cover - Up to full Sum Insured, for expenses incurred in India.

AYUSH Treatment - Up to full Sum Insured, for treatment availed in India.

Mental Care Cover - Up to full Sum Insured, for treatment availed in India.

Road Ambulance Cover - Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Donor Expenses - Up to full Sum Insured, for expenses incurred in India.

Domiciliary Expenses - Up to 10% of Sum Insured, for expenses incurred in India.

Premium Waiver Benefit - Renewal Premium for one Policy Year will be paid by Us, if the Proposer is diagnosed with any of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement, Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured Person in the same Policy.

Eligibility and Fees

Min Entry Age: Child - 91 days, Adult - 18 years

Cover Type: Individual and Family Floater (max 2 adults & 3 Children)

Max Entry Age Child: 25 years Adult: 65 years

Policy Period: 1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered: Self, lawfully wedded spouse (same or opposite gender), children, parents, siblings, parent in laws and more (Please download product brochure for more details)

Premium Payment Mode: Single, Annual, Half yearly, Quarterly, Monthly

Disclaimer

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of  ManipalCigna Health Insurance Company Limited (IRDA of India Regn.No.151) CIN: U66000MH2012PLC227948 having the Registered office address at 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400063. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. ManipalCigna Lifetime Health by ManipalCigna with UIN: MCIHLIP21559V012021 | ManipalCigna Critical Illness Add On Cover UIN: MCIHLIP21128V022021 | ManipalCigna Health 360 UIN - MCIHLIA23023V012223 | ManipalCigna Lifetime Plus | UIN: MCIHLIA24148V012324 is underwritten by ManipalCigna Health Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, and offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are su

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at: www.dbs.com/in

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