Manipal Cigna Health Insurance Plans

This personal accident plan comes with a lot of inbuilt as well as optional coverage benefits making it a comprehensive plan.The plan pays a benefit in case of accidental death or disablement and has the following USPs

1. The policyholder can choose from three coverage options
2. If the insured suffers accidental death or disablement when travelling in an airline as a passenger, 200% sum insured is paid
3. Coverage is available worldwide
4. Coverage for ambulance costs and funeral expenses is available in all plan variants

This is a critical illness fixed benefit health insurance plan.The covers a list of specified illnesses and if the insured suffers from any of the covered illnesses,the sum insured is paid in lump sum

USP of Manipal Cigna Lifestyle Protection Critical Care Plan

1. The plan comes in two variants of Basic and Enhanced
2. 15 and 30 critical illnesses are covered in these variants respectively
3. The insured can take a lump sum benefit or staggered benefits in monthly instalments.If monthly instalment benefit is selected,an additional 10% sum insured is paid
4. Value added benefits are also provided by the plan.Insured individuals can avail medical second opinions as well as access to wellness programs
5. Coverage of up to INR 25 crores is available

This plan offers sum insured levels in a varied range which suits individuals looking for optimal or high coverage levels. The plan covers medical costs incurred on an indemnity basis. There are optional coverage features too which can be selected for ensuring a better coverage option

USP of Manipal Cigna ProHealth Accumulate Insurance Plan

1. Sum insured offered is up to INR 50 lakhs
2. Sum insured is restored if it is exhausted in a policy year.This restoration is allowed multiple times as and when needed
3. Health Maintenance Benefit is offered under the plan which covers OPD expenses
4. Moreover, 5% cumulative bonus is also offered wherein the unutilised health maintenance benefit can be carried forward to the next policy year
5. Free health check-ups are allowed after two completed policy years
6. The sum insured increases 5% every year when no claim is made.This increase is allowed for up to 200% of the actual sum insured
7. Critical illness rider can be bought with the plan by paying an additional premium
8. The rider covers specified illnesses and if the insured suffers from any of the covered illness,100% of the sum insured is paid in one lump sum