Home / Brand Post / ManipalCigna Lifetime Health- A comprehensive & adaptable health insurance plan
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Today with the rapidly escalating healthcare costs, which continue to grow at an unsustainable rate, most people prefer to delay or cancel treatment altogether since they don’t always have the finances to pay steep hospital bills. This is where health insurance comes in. When one has a no-compromise health insurance plan, one does not need to scramble for funds to pay hospital and treatment costs. The health plan does all the heavy lifting by paying the costs, while you can focus on the treatment outcomes and regaining your health.

Health insurance in India covers treatment required for a broad range of disorders and illnesses, from critical ones like cancer to injuries arising from an accident. However, those who have been on the fence about buying health insurance in the past, have dramatically revised their views after the COVID-19 struck and wreaked havoc around India and the world. The numbers of people buying health insurance policies from the start of the COVID-19 outbreak till date have risen by leaps and bounds. Today, people are not asking the question ‘Why do I need health insurance’ rather they are asking ‘How much do I need & which plan is future proof considering life expectancy is increasing giving rise to new and existing risks?’ And now to address the core issues which customers are facing, ManipalCigna Health Insurance has unveiled what is arguably one of the most value-based high sum insured products to date – the ManipalCigna Lifetime Health plan.

Why is the ManipalCigna Lifetime Health plan significant?

There are several health insurance plans that offer coverage enhancement opportunities at renewal. But the ManipalCigna Lifetime Health plan offers step-wise enhancement of coverage as per different life stages, with coverage for up to 27 major illnesses and changing healthcare requirements over a person’s lifetime. This plan assumes significance especially for those grappling with post-COVID-19 health complications, or those with a genetic predisposition to serious illnesses. It is also helpful for those looking to cover both aged parents and young children under the protection of a comprehensive health policy.

Broadly, the plan offers:

- High level of protection; the sum insured options ranging from 50 lakh to 3 crore.

- The plan offers coverage for modern and advanced treatments like robotics,  cyberknife and mental care.

- It covers the individual’s unique healthcare requirements at different life -stages.

- A value-based high sum insured product comes in two plan variants namely ManipalCigna Lifetime Health India Plan (offering comprehensive coverage in India only) and ManipalCigna Lifetime Health Global Plan (offering comprehensive coverage in India and selective illness coverage outside India for up to 27 major illnesses).

- A high degree of customisation in the coverage with optional and need-based packages such as Health+, Women+, Global+, and Critical Illness rider to make the plan comprehensive and flexible.

- Thus, the plan covers the insured individual(s) over their lifetime, with a plan that changes as their life changes.

Other important benefits under ManipalCigna Lifetime Health Plan:

Inpatient hospitalisation in India - If sum insured is up to 2 crore, then insured can take any room category except suite or higher category. If sum insured is 3 crore, the insured can take any hospital room including suite category.

- There is unlimited restoration for unrelated illnesses to ensure you never run out of cover

- Benefits on the entire sum insured are continued for ported plans if the existed sum insured is 10 lakhs and above, i.e. there is a first of its kind, continuity benefits on the entire chosen sum Insured for those with existing base sum Insured (excluding cumulative bonus)

- Policy holders get lifetime access to the best healthcare anywhere in India and outside the country, with the cashless hospitalisation benefit for up to 27 listed major illnesses abroad (under the Global plan)

- ManipalCigna Health Insurance rewards policyholders with loyalty discounts on the premium renewal from the fourth policy year onwards till lifetime. A 5% loyalty discount is offered from the fourth to the seventh year and a 10% discount on the applicable premium from the eighth year onwards. Similarly, there is a family discount of 15% if you cover two or more family members under a single individual policy

You can study the plan features and benefits in the policy document on the ManipalCigna’s website. At a time when serious illnesses may strike without warning, a comprehensive and adaptable health insurance plan is the safety net you can depend on for today and in the future.

Disclaimer: This is a company press release. No HT journalist is involved in the creation of this content.

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