Does SecureHealth cover pre-existing HIV/AIDS conditions?

Yes. SecureHealth is designed to provide coverage for accepted pre-existing HIV/AIDS conditions subject to the policy terms, conditions, waiting periods, and underwriting acceptance. HIV/AIDS coverage includes hospitalization expenses up to the available Sum Insured.

What modern treatments are covered under this policy?

The policy covers a list of specified modern treatments including robotic surgeries, deep brain stimulation, oral chemotherapy, immunotherapy, stereotactic radiosurgery, and other listed advanced procedures. Coverage is available up to 50% of the Sum Insured.

How does cashless hospitalization work?

Treatment can be taken at network hospitals after obtaining pre-authorization through the insurer or its TPA. If cashless approval is denied, the insured can undergo treatment and submit documents for reimbursement.

Is there any co-payment under SecureHealth?

Yes. Every admissible claim under the policy is subject to a 20% co-payment. The policyholder bears 20% of the admissible claim amount while the insurer pays the remaining eligible amount.

OneAssure

Health Insurance

ManipalCigna

SecureHealth

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

SecureHealth is a specialized health insurance plan created for people with HIV/AIDS and disabilities. Its primary strength lies in providing access to hospitalization and medical coverage for individuals who may have limited insurance options.

About

About ManipalCigna Health Insurance

ManipalCigna SecureHealth is an individual health insurance plan designed to provide coverage for people living with HIV/AIDS and persons with disabilities. The plan covers hospitalization expenses, AYUSH treatments, daycare procedures, modern treatments, cataract treatment, ambulance expenses, and pre- and post-hospitalization care. It offers coverage for accepted pre-existing HIV/AIDS and disability conditions while providing access to essential health insurance benefits that may otherwise be difficult to obtain. The plan focuses on making health insurance more accessible for individuals with specific health and disability-related needs.

ManipalCigna SecureHealth is an individual health insurance plan designed to provide coverage for people living with HIV/AIDS and persons with disabilities. The plan covers hospitalization expenses, AYUSH treatments, daycare procedures, modern treatments, cataract treatment, ambulance expenses, and pre- and post-hospitalization care. It offers coverage for accepted pre-existing HIV/AIDS and disability conditions while providing access to essential health insurance benefits that may otherwise be difficult to obtain. The plan focuses on making health insurance more accessible...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Up to 1% of Sum Insured per day
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Covered up to 50% of Sum Insured

Co-payment

20% on all admissible claims

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months (except accepted HIV/AIDS and Disability conditions)
Specific Disease/Procedure Waiting Period: 24 months

Cashless Healthcare Providers

Available through network hospitals and authorized TPA partners

Daycare Treatment

Covered

AYUSH Treatment

Covered up to 100% of Sum Insured

Room Rent

Normal: Up to 1% of Sum Insured per day
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Covered up to 50% of Sum Insured

Co-payment

20% on all admissible claims

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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,...