ManipalCigna Plans

Manipalcigna Corona Rakshak health insurance

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Manipalcigna Corona Rakshak 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 Rakshaks health insurance review

  • Eligibility
  • Benefits
  • Claims
  • Exclusions

Eligibility for Manipalcigna Corona Rakshak health insurance

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

Benefits for Manipalcigna Corona Rakshak health insurance

Name Corona Rakshak Policy, Manipal Cigna
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 Rakshak's health insurance

Sl No Type of Claim Prescribed Time limit
1. COVID Cover Within thirty days of date of discharge from hospital following positive diagnosis for COVID.

Documents to be submitted for claim:
The claim is to be supported with the following documents and submitted within the prescribed time limit. Covid-19 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.
  • NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque

Exclusions under the Manipalcigna Corona Rakshak health insurance

The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:
  • Investigation & Evaluation: Expenses related to any admission primarily for diagnostics and evaluation purposes.
  • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment
  • Any diagnosis which is not related and not incidental to COVID is not covered in this Policy
  • Any claim with respect to COVID manifested prior to commencement date of this policy or during the waiting period
  • Cover under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.

FAQs for Manipalcigna Health Corona Rakshak Insurance for Covid19

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

What does the Manipalcigna Corona Rakshak 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

The Company shall not be liable for any claim arising for COVID within 15 days from the first policy commencement date.

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.

means admission in a hospital designated for COVID-19 treatment by Government, for a minimum period of seventy-two (72) consecutive ‘Inpatient care’ hours.

Step 1: The product brochure, policy benefits, exclusions and premium details must be thoroughly understood and discussed with Our advisor/ Company representative, before buying the policy.
Step 2: Once the benefits of the policy are understood, the Proposal Form must be filled, wherein details of the prospective Insured Persons including medical information must be provided as accurately as possible.
Step 3: The proposal form with the required documents have to be submitted along with the premium
Step 4: Based on the above information we will process Your proposal for Insurance and a policy kit containing the Benefit Schedule, Policy Terms and associated documents will be sent to you in digital or physical form as applicable.
The Company may cancel the Policy at any time on grounds of mis-representation, non-disclosure of material facts, fraud by the Insured Person, by giving 7 days’ written notice. There would be no refund of premium on cancellation on grounds of mis-representation, non-disclosure of material facts or fraud

Prospectus

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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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