How does the unlimited restoration benefit work?

The plan provides multiple restorations of up to 100% of the Sum Insured during a policy year for unrelated illnesses and injuries. This ensures coverage remains available even after earlier claims have utilized the sum insured.

Does the plan cover mental illness and HIV/AIDS treatment?

Yes. The policy covers hospitalization expenses related to mental illness, stress, anxiety, depression, HIV/AIDS, AIDS-related conditions, and sexually transmitted diseases, subject to policy terms and conditions.

What is the cumulative bonus under LifeTime Health?

Policyholders earn a guaranteed cumulative bonus of 15% of the India coverage Sum Insured at the end of every policy year irrespective of claims. There is no maximum cap on accumulation.

Does the policy offer worldwide medical coverage?

Yes. Through the Lifetime Plus option, the policy covers worldwide medical emergency hospitalization, global post-hospitalization expenses, and global road and air ambulance expenses within the selected area of coverage.

OneAssure

Health Insurance

ManipalCigna

LifeTime Health

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 8500 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

8500

Network Hospitals

0

Customer Rating

Get a Quote

88

Claim Settlement Ratio

8500

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

LifeTime Health is a comprehensive high-sum-insured health insurance plan offering unlimited restoration, guaranteed cumulative bonuses, and extensive hospitalization benefits. It is suitable for customers seeking long-term protection with flexibility to add maternity, global emergency, wellness, and critical illness benefits.

About

About ManipalCigna Health Insurance

ManipalCigna LifeTime Health India Plan is a comprehensive health insurance policy designed to provide lifelong protection through a wide range of hospitalization and wellness benefits. The plan offers coverage from ₹50 lakh up to ₹3 crore and includes hospitalization expenses, AYUSH treatments, mental health care, HIV/AIDS treatment, donor expenses, domiciliary treatment, modern treatments, and robotic surgeries. It provides unlimited restoration of the sum insured for unrelated illnesses, annual health check-ups, premium waiver benefits, and guaranteed cumulative bonuses. Customers can further enhance coverage through optional packages such as Health+, Women+, Critical Illness cover, worldwide emergency hospitalization, maternity benefits, infertility cover, and...

ManipalCigna LifeTime Health India Plan is a comprehensive health insurance policy designed to provide lifelong protection through a wide range of hospitalization and wellness benefits. The plan offers coverage from ₹50 lakh up to ₹3 crore and includes hospitalization expenses, AYUSH treatments, mental health care, HIV/AIDS treatment, donor expenses, domiciliary treatment, modern treatments, and robotic surgeries. It provides unlimited restoration of the sum insured for unrelated illnesses, annual health check-ups, premium waiver benefits, and guaranteed...

LifeTime Health Ratings

LifeTime Health

Insurer Rating

4.81

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Any Room Category up to room entitlement
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-payment mentioned

Cashless Healthcare Providers

Network hospitalization available

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 24 Months
Specific Disease/Procedure Waiting Period: 24 Months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Any Room Category up to room entitlement
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-payment mentioned

Exclusions

Not available

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About the company

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range...

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness,...