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Step 2: Notify ManipalCigna

Inform us at least 48 hours before a planned hospitalization or within 24 hours in case of an emergency.

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Step 2: Notify ManipalCigna

Inform us at least 48 hours before a planned hospitalization or within 24 hours in case of an emergency.

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Step 3: Submit Pre-Authorization Form

Start the cashless process by filling out the Pre-Authorization form through the hospital’s TPA desk or online.

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Step 3: Submit Pre-Authorization Form

Start the cashless process by filling out the Pre-Authorization form through the hospital’s TPA desk or online.

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Step 4: Get Admitted

Focus on your recovery while we handle your medical expenses directly with the hospital.

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Step 4: Get Admitted

Focus on your recovery while we handle your medical expenses directly with the hospital.

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What’s Not Covered in a 20 Lakh Health Insurance Plan?

War or Civil Disturbances : Medical claims arising due to foreign invasion, war-like situations, civil war, or public unrest are not payable under the plan.

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What’s Not Covered in a 10 Lakh Health Insurance Plan?

War or Civil Disturbances : Medical claims arising due to foreign invasion, war-like situations, civil war, or public unrest are not payable under the plan.

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Types of Coverage Available

Coverage Option Suitable For Individual Cover Single adults looking for personal protection Multi-Individual Cover Multiple adults under separate benefits but on one policy Family Floater

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Types of Coverage Available

Coverage Option Suitable For Individual Cover Single adults looking for personal protection Multi-Individual Cover Multiple adults under separate benefits but on one policy Family Floater

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Benefits of a 20 Lakh Health Insurance Policy

No Zonal Co-Pay Get treatment in the city of your choice without worrying about zonal co-payments. Premium Discounts Enjoy 2.5% discount for early renewal and up to 7.5% No Claim Discount for staying claim-free.

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Benefits of a 10 Lakh Health Insurance Policy

No Zonal Co-Pay Get treatment in the city of your choice without worrying about zonal co-payments. Premium Discounts Enjoy 2.5% discount for early renewal and up to 7.5% No Claim Discount for staying claim-free.

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What’s Covered Under a 20 Lakh Health Insurance Plan?

Unlimited Tele-Consultations with qualified general physicians for convenient medical guidance throughout the policy year. Wellness Program Rewards, allowing you to earn up to 20% of your base premium by completing activities under the Healthy Life Management Program.

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What’s Covered Under a 10 Lakh Health Insurance Plan?

Unlimited Tele-Consultations with qualified general physicians for convenient medical guidance throughout the policy year. Wellness Program Rewards, allowing you to earn up to 20% of your base premium by completing activities under the Healthy Life Management Program.

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Conclusion – Is a 20 Lakh Health Insurance Plan Right for You?

While this coverage level is suitable for young individuals, small families, and those seeking basic yet dependable protection, you may consider upgrading to a higher sum insured as healthcare costs rise or your lifestyle and responsibilities evolve.

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Conclusion – Is a 10 Lakh Health Insurance Plan Right for You?

While this coverage level is suitable for young individuals, small families, and those seeking basic yet dependable protection, you may consider upgrading to a higher sum insured as healthcare costs rise or your lifestyle and responsibilities evolve.

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Step 5: Discharge and Bill Settlement

Once you’re ready to go home, we’ll verify your final documents and settle the hospital bill as per policy terms and conditions.

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Step 5: Discharge and Bill Settlement

Once you’re ready to go home, we’ll verify your final documents and settle the hospital bill as per policy terms and conditions.

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How Does a 20 Lakh Health Insurance Plan Work?

Cashless Treatment at Network Hospitals : You can avail cashless treatment at ManipalCigna’s network hospitals, where approved bills are settled directly, reducing your out-of-pocket burden.

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How Does a 10 Lakh Health Insurance Plan Work?

Cashless Treatment at Network Hospitals : You can avail cashless treatment at ManipalCigna’s network hospitals , where approved bills are settled directly, reducing your out-of-pocket burden.

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How Does a 20 Lakh Health Insurance Plan Work?

Along with ManipalCigna Sarvah, the company also offers a wide range of solutions like Lifetime Health, Prime Senior, ProHealth Prime, Super Top Up, ManipalCigna Accident Shield, Lifestyle Protection – Critical Care, Health 360, and Lifestyle Protection – Accident Care, so you can choose the right combination of covers for every stage of life.

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How Does a 10 Lakh Health Insurance Plan Work?

Along with ManipalCigna Sarvah , the company also offers a wide range of solutions like Lifetime Health, Prime Senior, ProHealth Prime, Super Top Up, ManipalCigna Accident Shield, Lifestyle Protection – Critical Care, Health 360, and Lifestyle Protection – Accident Care, so you can choose the right combination of covers for every stage of life.

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How to Buy a 20 Lakh Health Insurance Policy Online

Purchasing a 20 Lakh Health Insurance plan online with ManipalCigna is simple and convenient. Just visit the official ManipalCigna Health Insurance website, explore the available plan options, provide your basic details, and proceed to buy the policy securely through the online platform.

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How to Buy a 10 Lakh Health Insurance Policy Online

Purchasing a 10 Lakh Health Insurance plan online with ManipalCigna is simple and convenient. Just visit the official ManipalCigna Health Insurance website, explore the available plan options, provide your basic details, and proceed to buy the policy securely through the online platform.