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Individual Health Insurance Plans

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ManipalCigna Lifetime Health Plan

Manipalcigna Lifetime Health insurance plan is a comprehensive medical insurance policy that has been designed keeping in mind the needs of the policy-seekers. Even if you want to seek medical coverage abroad, this policy will be there beside you. It is best suited for individuals, families, and for multi-individuals as well. This plan has come up with multiple sum insured options and is so flexible that you can customize the plan as per the changing life stages with optional packages such as Global+ (Global OPD & more), Women+ (specialized package for women), and Health+ (coverage enhancement). Along with the basic covers of a standard health policy, this plan also offers optional benefits and add-on covers to cater to the varied needs of the individuals.

Key Highlights of Manipal Cigna Lifetime Health

Once you have known the basic details of the plan, this is the time when you need to know about the features that have made this plan unique and popular among the customers. Here are the mentions.

  • Restoration of the sum insured – Under this policy, multiple Restoration is available in a Policy Year in addition to the sum insured opted. For this, the illnesses have to be unrelated. The restored amount will be available for claim towards expenses covered in the country only.
  • Premium waiver cover – If the proposer is diagnosed with any of the pre-specified critical illnesses, or in case of accidental death, permanent total disability, or permanent partial disability of the propose, the renewal premium will be paid by the company for one policy year, only if the proposer is also insured under the same policy.
  • Critical illness add-on cover – This cover can be availed of by paying a little extra premium amount. On diagnosis of listed critical illness, a lump sum payment of the sum insured is payable under this benefit.
  • Cancellation – You can apply for the cancellation of the policy at any point in time. In that case, the premium refund will be on a short period basis. The company does not provide any refund on cancellation for Premium payment mode Monthly, Quarterly, Half – Yearly.
  • Major illnesses – This plan provides coverage for treatment of up to 27 major illnesses abroad only if the Global Plan is opted for by the policy seeker.
  • Continuity benefit – This benefit is available on the entire chosen Sum Insured for those with an existing base sum insured (excluding cumulative bonus) of Rs. 10 lakhs and above. This is subject to the terms and conditions of the insurer.

Eligibility Criteria

Minimum entry age

Child – 91 days

Adult – 18 years

Maximum entry age

Child – 25 years (In a family floater policy)

Adult – 65 years

Cover typeIndividual and family floater
Policy period1, 2, and 3 years
Grace period15/30 days
Premium payment modesSingle, yearly, half-yearly, quarterly, and monthly
Free-look period15 days
Relationship covered

Individual Plan: An Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, a parent-in-law, grandparents and grandchildren, son-in-law and daughter-in-law,

uncle, aunt, nephew, and niece

Floater Plan: A floater plan can cover self, lawfully wedded spouse, children up to the age of 25 years, parents, and parents in laws. A floater cover can cover a maximum of 2 adults and 3 children under a single policy. Combinations allowed under 2 Adults are Self & Spouse or Father & Mother or Father-in-law & Mother-in-law.

Sum insured optionsRs. 50 lakhs, Rs. 75 lakhs, Rs. 100 lakhs, Rs. 150 lakhs, Rs. 200 lakhs, and Rs. 300 lakhs
Plan types

Indian Plan (Domestic Coverage)

Global Plan (Domestic and global coverage)

Cashless facilityAvailable
Waiting period

In general – 30 days

For specific ailments – 24 months

For pre-existing diseases – 24 months

Critical illness add-on cover – 90 days (Survival period – 30 days).

Coverage Details of Manipal Cigna Lifetime Health Plan

Look at the following table to have an idea about the benefits of the plan.

ParametersDescriptionsIndian planGlobal plan
Hospitalization coverage
  • Hospitalization requires more than 24 hours.
  • For Sum Insured up to Rs. 200 Lakhs – Covered up to any room except suite or higher category.
  • For Sum Insured Rs. 300 Lakhs – Covered up to any room including suite category.
Day care treatmentAll Day Care Treatments, availed in India, covered up to the full Sum Insured.YesYes
Pre-hospitalization expenses60 daysYesYes
Post-hospitalization expenses180 daysYesYes
Inpatient hospitalization for AYUSH treatment, road ambulance cover, donor expensesUp to full Sum Insured, for treatment availed in IndiaYesYes
Domiciliary expensesUp to 10% of Sum Insured, for expenses incurred in India.YesYes
Adult health check-up
  • 18 years or above
  • Once in a policy year
  • In a network health center of the company

Robotic and Cyber Knife

Surgery, Modern and Advanced

Treatments, HIV/AIDS, and STD

Cover, Mental Care Cover

Expenses incurred in India up to full Sum InsuredYesYes

Global Hospitalization

for Major Illness

  • Treatments availed of outside India in some specific areas
  • More than 24 hours of hospitalization or day care treatment

Global ambulance cover, medical evacuation, medical repatriation, repatriation of mortal remains, Global Robotic and

Cyber Knife Surgery, Global Modern and

Advanced Treatments

  • The cover is available up to the full Sum Insured.
  • Treatment received outside India, in some specific areas
  • Subject to the terms and conditions of the company
Global travel vaccination
  • Up to sum insured
  • Once in a policy year for each insured person
  • Vaccines are prescribed by World Health Organization (WHO) to travel abroad.
Optional packages
Health+Each benefit is available on an individual basisYesYes
Air ambulance cover
  • Within the country
  • Up to Rs. 10 Lakhs and a maximum of one event per Policy Year.

Medical Devices and

Non-Medical Items

Up to Rs. 2 Lakhs and once in 3 Policy Years

Domestic Second


  • For listed major illnesses only
  • Once during a Policy Year for one illness and multiple times for different Major Illness/es.
Bariatric Surgery Cover
  • The waiting period is 2 years
  • Up to Rs. 5 lakhs
  • Subject to the terms and conditions of the policy
Convalescence Benefit
  • Consecutive hospitalization of 10 days or more
  • Rs. 50,000 will be paid in a lump sum.
Major Illness Hospi Cash
  • Only for listed major illnesses.
  • A daily cash benefit of `2,500 is paid.
  • A maximum of up to 10 days per hospitalization.

Chemotherapy and

Radiotherapy Cash

  • A Cash benefit of `2,500 is paid for each sitting.
  • Maximum up to 12 sittings per Policy Year.
Accidental Hospi Cash
  • A daily cash benefit of Rs. 2,500 is paid.
  • Maximum up to 10 days per hospitalization.

Domestic Concierge


  • Assistance services will be offered to the Insured Person for hospitalization in India.
  • The benefit is available once in a policy year
Tele – Consultations
  • Medical consultations will be available at the company’s network in India through tele/chat mode.
  • Available to a female of age 12 years and above.
  • Each benefit is available on an Individual Basis.
  • Sum Insured/ limits specified under the Women+ is over and above that of Base Plan.

Breast Cancer


  • Mammogram test
  • Once in a Policy Year

Cervical Cancer


  • PAP Smear Test
  • Once in a Policy Year

Cervical Cancer


  • Cervical cancer vaccination
  • Per does limit is Rs. 2500

Ovarian Cancer


  • Ultrasound and CA-125 test
  • Once in a policy year
Osteoporosis Screening
  • DEXA Scan
  • Once in a policy year



  • 15 outpatient gynecological related consultations
  • Once in a policy year

Psychiatric and



  • 5 psychiatric consultations and psychotherapy sessions
  • Once in a policy year
Global+Only if you opted for the Global Plan, you are eligible for this optional packageNoYes
Global Hospi Cash
  • A daily cash benefit of Rs. 25,000 is paid every 24 hours of Hospitalization.
  • Up to a maximum limit of 15 days
  • For covered and specified major illnesses only.

Global Convalescence


  • On consecutive Hospitalization for 15 days or more, an amount of Rs. 10 Lakhs is paid as a lump sum.
  • Once towards each covered Major Illness.

Global Out Patient


  • Up to Rs. 1 lakh.
  • For floater policies, the cover will be available on a floater basis.

Global Chemotherapy

and Radiotherapy Cash

  • Rs. 25,000 is paid for each sitting of Chemotherapy / Radiotherapy, conducted in a Day Care Treatment.
  • Up to a maximum limit of 12 sittings per policy year.
Travel Expenses Benefit

Worldwide – Rs. 5 lakhs

Worldwide excluding USA and Canada – Rs. 3 lakhs

Global Second Opinion
  • Once during the lifetime of the insured person
  • Only for major illnesses.
  • Available only from the company’s Network of Medical Practitioners outside India.

Exclusions of Manipalcigna Lifetime Health

Understanding of a plan remains incomplete if you do not know the items or situations for which the plan does not provide coverage. So, here are the exclusions of this policy.

  • Any kind of investigation or evaluation expenses is not borne by the policy.
  • Rest cure, rehabilitation, and respite care are not covered.
  • Any expenses related to obesity or weight control, fertility, or sterility will fall under the category of exclusions.
  • If any expenses arise due to gender treatment, plastic surgery, cosmetic surgery, or anything that sort of, the policy will not take care of the expenses.
  • If you take part in any hazardous activity or adventurous sports like paragliding, scuba diving, river rafting, etc. you will not be covered by the policy.
  • Expenses arising out of the treatments related to the consumption of alcohol, drug, or any other intoxicating substances, the policy will not cover.
  • Treatments received in health hydros, nature cure clinics, spas or similar establishments will be excluded as well.
  • Dietary supplements and substances that can be purchased without a prescription, including but not limited to Vitamins, minerals, and organic substances will not be covered.
  • Unproven treatments, refractive errors, breach of law, and excluded providers will not be taken care of.

Calculate Premium for Manipalcigna Lifetime Health

You can easily calculate the premium value for this policy by following the below easy steps.

  • Go to the official website of Manipalcigna Health Insurance.
  • On the top of the homepage, there will be the Products tab. Click on that.
  • Among the multiple options, choose the Lifetime Health option. Select that.
  • On the landing page, there will the Quick Quote option, if you scroll down the page a little.
  • After that, you need to fill the blanks with required details such as the number of members to secure, date of birth, gender, contact details, etc.
  • On the next page, you need to enter policy related details such as sum insured, policy tenure, optional cover, etc.
  • Once you are done putting all the required credentials, click on the Calculate option.
  • The premium amount for the given data will be displayed before you including the premium break-up.
  • If satisfied, you can also purchase the policy from the same page by clicking on the Buy Now option.

For better clarity and understanding, here is an example.

Suppose, Mr. Basu, a 36-years old Kolkata-based businessman, wants to buy Manipalcigna Lifetime Health – Indian Plan for his family (spouse and daughter). Now let us find out how much premium amount he has to pay for this policy for the given data.

Number of Members


Adults – 2

Child – 1

Age of the members

Mr. Basu – 36 years

Mrs. Basu – 34 years

Child – 3 years

Premium payment frequencySingle
Plan typeFamily floater
All sum insured individuals are IndianYes
Sum insuredRs. 75 lakhs
Policy period3 years
Optional coverWomen+
Premium amount (Indian Plan)Rs. 92,032.92 (Including taxes)
Premium break-up

Base Premium – Rs. 68,088.00

Add-on – Rs. 18,572.00

Final Amount Inclusive of Taxes – Rs. 92,032.92

Frequently Asked Questions

This policy offers several discounts as below:

  • Long Term Discount: 7.5% for 2 years and 10% for 3 years policy term.
  • Family Discount: 15% for covering 2 or more family members under a single individual policy.
  • Online Renewal Discount: A discount of 3% p.a. on the premium from the next renewal, if the premium is received through NACH or Standing Instruction (where payment is made either by direct debit of the bank account or credit card).
  • Loyalty Discount: 5% discount from 4th policy year to 7th policy year. 10% discount from 8th policy year onwards.

Yes, the add-on cover is available for both variations of the policy.

11 types of critical illnesses are covered under this add-on benefit.

You can contact the insurer by availing of any of the following methods:

  • Callers from India (Toll-free number) – 1800-102-4462
  • Callers outside India – +91 22 4985 4100 (Call charges as per the caller’s tariff plan will apply.
  • For any queries email – 
  • For any policy alterations email at –

Yes, you can purchase, renew, and even file a claim online.

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