How does the waiting period affect my coverage?

Pre-existing diseases are covered after 36 months, and specific treatments have a 24-month waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

No no-claim bonus is offered; coverage remains the same regardless of claims made.

Will my health insurance cover treatment abroad?

The policy does not cover international treatments; coverage is applicable only within India.

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Health Insurance

ManipalCigna

ProHealth Protect

Tata AIG Protect Plan

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

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Final Verdict

The Tata AIG Group EMI Protect Policy offers critical illness and accident coverage, ensuring EMIs are paid during medical emergencies. Ideal for employees seeking financial security against health-related disruptions in work.

About

About ManipalCigna Health Insurance

The Tata AIG Group EMI Protect Policy safeguards individuals by covering EMIs if they are unable to work due to accidents or critical illnesses. It includes worldwide in-patient hospitalization, accidental hospitalization benefits, and critical illness coverage. This plan is typically offered through employers, with premiums deducted from salaries. Additionally, the Loan Protect Plan (Comprehensive) ensures EMIs are paid during medical emergencies. For exact coverage, exclusions, and claims, refer to Tata AIG’s official policy documents or consult their representatives.

The Tata AIG Group EMI Protect Policy safeguards individuals by covering EMIs if they are unable to work due to accidents or critical illnesses. It includes worldwide in-patient hospitalization, accidental hospitalization benefits, and critical illness coverage. This plan is typically offered through employers, with premiums deducted from salaries. Additionally, the Loan Protect Plan (Comprehensive) ensures EMIs are paid during medical emergencies. For exact coverage, exclusions, and claims, refer to Tata AIG’s official policy documents or consult their...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Waiting Period

Pre-existing diseases (PEDs): Any illness that existed before buying the policy is covered only after a waiting period of 36 months.
Specific diseases & treatments: Certain medical conditions like hernia, cataracts, gallstones, or knee replacement surgery have a 24-month waiting period.
Initial waiting period: A 30-day waiting period applies for non-accident-related hospitalizations.

Cashless Healthcare Providers

10,000 cashless healthcare providers across India.

Daycare Treatment

Daycare treatments that require less than 24 hours of hospitalization are covered.

AYUSH Treatment

The policy covers alternative treatments under AYUSH.

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Waiting Period

Pre-existing diseases (PEDs): Any illness that existed before buying the policy is covered only after a waiting period of 36 months.
Specific diseases & treatments: Certain medical conditions like hernia, cataracts, gallstones, or knee replacement surgery have a 24-month waiting period.
Initial waiting period: A 30-day waiting period applies for non-accident-related hospitalizations.

Cashless Healthcare Providers

10,000 cashless healthcare providers across India.

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Exclusions

Pre-existing diseases are not covered until after a 36-month waiting period.
Injuries resulting from suicide attempts or self-inflicted harm are excluded.
Claims arising due to war, civil war, invasion, or acts of terrorism are not covered.
Any medical condition caused by drug or alcohol consumption is excluded.
Hazardous sports activities like skydiving, scuba diving, motor racing, or mountaineering are not covered.
Cosmetic or plastic surgery expenses are excluded unless required due to accidental injury.
Maternity-related expenses, including pregnancy, childbirth, IVF, and sterilization, are not covered.
Unproven or experimental treatments that are not scientifically recognized or approved are excluded.

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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,...