ManipalCigna Plans

Manipalcigna Corona Kavach health insurance

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Manipalcigna Corona Kavach health - highlights

  • Policy can be availed by persons between the age of 18 years and 65 years (inclusive of both ages). Proposer with higher age can obtain policy for adult members of the family, without covering self.
  • Rs 50,000/- (Fifty Thousand) to 2,50,000/- (Two and half Lakh) (in the multiples of fifty thousand)

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
62.00%
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
90.02%
List of network hospitals
6,500+ hospitals
Number of policies issued *
229,817
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
1,101,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Manipalcigna Corona Kavach health insurance review

  • Eligibility
  • Benefits
  • Claims
  • Exclusions

Eligibility for Manipalcigna Corona Kavach health insurance

Eligibility
Min Entry Age Child: 1 day Adult: 18 years
Max Entry Age Child: 25 years (family floater policy) Adult: 65 years

Benefits for Manipalcigna Corona Kavach health insurance

Name Corona Rakshak Policy, ManipalCigna
Product Type Individual
Category of Cover Benefit based
Sum insured s 50,000/- (Fifty Thousand) to 2,50,000 (Two and half Lakh) (in the multiples of fifty thousand)
Policy Period Three and half months (3 ½ months), six and half months (6 ½ months) and nine and half months(9 ½ months) i.e, 105 days, 195 days and 285 days respectively
Eligibility Policy can be availed by persons between the age of 18 years and 65 years, as Proposer. Proposer with higher age can obtain policy for adult members of the family, without covering self
Coverage COVID Cover:Lump sum benefit equal to 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centre.

Claims Procedure for Manipalcigna Corona Kavach's health insurance

Sl No Type of Claim Prescribed Time limit
1. Reimbursement of hospitalization Within thirty days of date of discharge and pre hospitalization expenses Within thirty days of date of discharge and pre hospitalization expenses from hospital
2. Reimbursement of post Within fifteen days from completion of hospitalization expenses Within fifteen days from completion of hospitalization expenses post hospitalization treatment
3. Reimbursement of Home Care Within thirty days from completion of expenses Within thirty days from completion of expenses home care treatment

Documents to be submitted for claim:
The claim is to be supported with the following documents and submitted within the prescribed time limit. Covid Hospitalization Cover
  • Duly filled and signed Claim Form
  • Copy of Insured Person’s passport, if available (All pages)
  • Photo Identity proof of the patient (if insured person does not owna passport).
  • Medical practitioner’s prescription advising admission.
  • Discharge summary including complete medical history of the patient along with other details.
  • Investigation reports including Insured Person’s test reports fromAuthorized diagnostic centre for COVID.

Exclusions under the Manipalcigna Corona Kavach health insurance

We will not pay any claims arising out of or attributable to any of the following
  • All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.
  • Any expenses incurred on Day Care treatment and OPD treatment.
  • Diagnosis /Treatment outside the geographical limits of India.
  • Any claim in relation to Covid where it has been diagnosed prior to policy start date

FAQs for Manipalcigna Health Corona Kavach Insurance for Covid19

Home Care treatment expenses: Costs of treatment incurred by the insured person on availing treatment at home maximum up to 14 days per admission as per policy terms and conditions IV.2 including pre-hospitalization expenses for a period of 15 days and post hospitalization expenses for a period of 30 days.

What does the Manipalcigna Corona Kavach Health Insurance Policy period ?

Three and Half Months (3 ½ months i.e. 105 days), Six and Half Months (6 ½ months i.e.195 days), Nine and Half Months (9 ½ months i.e. 285 days) including waiting period

Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded.

Policy can be availed by persons between the age of 18 years and 65 years.

n means admission in a hospital for a minimum period of twenty-four (24) hours consecutive 'In-patient care' provided it will not include procedures/ treatments, where such admission could be for a period of less than twenty-four (24) consecutive hours

The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts fraud by the Insured Person by giving 7 days' written notice

Customer Information Sheet

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Proposal form

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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