|Plan 1 - Basic|
|Sickness Hospital cash||a Daily Cash Benefit (DCB) for hospitalization due to sickness will be payable|
|Accident Hospital Cash||2 times the DCB for hospitalization due to accident will be payable|
|ICU Cash||3 times the DCB for ICU hospitalization will be payable. Coverage limited to 15 days per insured person per policy year|
|Worldwide Cover||3 times the DCB for hospitalization outside India will be payable|
|Plan 2 - Enhanced (In addition to the benefits under Basic plan, the following will also be available)|
|Convalescence||5 Times the DCB will be payable for hospitalization of 10 or more continuous days. Benefit is available only once per insured person, per policy year|
|Companion Benefit||50% of the DCB will be payable in respect of the accompanying person taking care of the insured|
|Compassionate Benefit||10 times the DCB if insured person dies during the course of accidental hospitalization will be payable|
|Optional Covers( Available under both the plans)|
|Day care Treatment||Lower of 5 times the DCB or Rs. 25,000 will be payable for listed procedures with a maximum limit of 5 Day care treatments including 1 Surgery for Cataract per insured per policy year|
|Accidental death & permanent total disability||Opted sum insured will be payable on accidental death or permanent total disablement as specified|
ManipalCigna has an extensive network of 6500+ network hospitals across India. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the ManipalCigna network hospital list which is available on the website https://www.eindiainsurance.com/manipalcigna/health/
There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured, unless the chosen plan has a Sum Insured Refill benefit, which provides additional coverage even after filing a claim.
In case of an Individual policy, each Insured person under the policy will have a separate sum insured for them. Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, uncle, aunty, nephew & niece.
In case of a floater cover, one family will share a single sum insured as opted. A floater plan can cover self, lawfully wedded spouse, children upto the age of 23 years or parents. A floater cover can cover a maximum of 2 adults and 3 children under a single policy.
You can buy the policy for one, two or three continuous years at the option of the Insured. One Policy Year shall mean a period of one year from the inception date of the policy.
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