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 35000 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

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88

Claim Settlement Ratio

35000

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 OPD-related add-ons.

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...

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

Waiting Period

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

Cashless Healthcare Providers

Network hospitalization available

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

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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 of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited...

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,...