{"uin":"MCIHLIP21559V012021","name":"Lifetime Health","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021","insurer":{"slug":"manipal-cigna-health-insurance","name":"Manipal Cigna Health Insurance Company Limited","url":"https://indiainsurances.com/insurer/manipal-cigna-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ManipalCigna Lifetime Health India Plan is an indemnity health policy covering treatment in India only, with Sum Insured1 of Rs 50 Lacs to 300 Lacs, individual or family floater, for 1, 2 or 3 years and renewable for life. Pre-existing diseases and listed illnesses wait 24 months, the used Base Sum Insured1 is restored unlimited times a year, there is no standard co-payment or disease sub-limit, and maternity and OPD are excluded in the base cover.","analysis":{"state":"extracted","analysed_at":"2026-10-19 17:10:39.342159+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["India Plan","Global Plan"],"display":"India Plan, Global Plan","note":"The documents read here are the India Plan wording, prospectus and CIS; the Global Plan has its own documents under the same UIN, so facts below are for the India Plan.","quote":"There are 2 plans under Lifetime Health product ie India Plan and Global Plan. Policyholders are allowed to switch from one plan to another only at renewals.","sources":[{"clause":null,"heading":"F. II . 22 Switching between Plans","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-22-switching-between-plans"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"One, two or three continuous years.","display":"1, 2 or 3 years","note":"From the prospectus. Instalment premium is not available for terms over 1 year (wording).","quote":"iii) Policy Period option You can buy the policy for one, two or three continuous years as per requirement of the Insured. ... iii) Instalment facility shall not be available for the Policy Tenure more than 1 year","sources":[{"clause":"14(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-b-4"},{"clause":"2(iii)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-iii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Planned hospitalisation: at least 48 hours before admission. Emergency hospitalisation: within 24 hours of admission and not later than discharge.","display":"48 hours before planned admission; within 24 hours of emergency admission","note":"Live donor organ transplants: inform at least 7 days in advance; cadaveric transplants: within 48 hours of admission. If a stay beyond 10 days is not intimated within 10 days of admission, an extra 10% co-payment may apply.","quote":"Planned Hospitalization, You/the Insured Person will intimate such admission at least 48 hours prior to the planned date of admission. . Emergency Hospitalization, You/the Insured Person will intimate such admission within 24 hours from the date and time of such admission but not later than discharge from the hospital. ... a) For live donor organ transplants, we kindly request that you inform us at least 7 days in advance ... no later than 48 hours from the date and time of admission ... If we do not receive intimation within 10 days from the date of admission, we may apply an additional cumulative co-payment of 10% on the final admissible claim amount.","sources":[{"clause":null,"heading":"G.I.3 Claim Intimation","page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-i-3-claim-intimation"},{"clause":"2(a)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-a-8"},{"clause":"2(b)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-b-8"},{"clause":"2(a)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-a-7"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly completed claim form","Photo Identity proof of the patient","Medical practitioner's prescription advising admission","Bills with itemized break-up","Payment receipts","Discharge summary including complete medical history","Investigation/Diagnostic test reports supported by the prescription","OT notes or Surgeon's certificate (for surgical cases)","Sticker/Invoice of the Implants, wherever applicable","MLR copy and FIR, where applicable","NEFT details and original cheque of the proposer with pre-printed name","KYC of the proposer where claim liability is above 1 Lakh","Legal heir/succession certificate, wherever applicable"],"display":"Claim form, photo ID, admission advice, itemised bills and receipts, discharge summary, test reports, OT notes, implant invoice, MLR/FIR, NEFT details and cheque, KYC above 1 lakh, legal heir certificate","note":"Reimbursement documents are due within 30 days of discharge; post-hospitalisation documents within 15 days of completing that treatment. Personal Accident Plus, Health+ and Women+ claims have their own document lists.","quote":"• Duly completed claim form. • Photo Identity proof of the patient. • Medical practitioner’s prescription advising admission • Bills with itemized break-up • Payment receipts • Discharge summary including complete medical history of the ... • Investigation/Diagnostic test reports etc. supported by the prescription from attending medical practitioner • OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases) • Sticker/Invoice of the Implants, wherever applicable • MLR (Medico Legal Report) copy if carried out and FIR (First Information Copy) if registered, where ever applicable • NEFT details ( to enable direct credit of amount in bank account) and original cheque of the proposer with pre-printed name • KYC (Identity proof with Address) of the proposer, where claim liability is above `1 Lakh as per AML guidelines • Legal heir/succession certificate, wherever applicable ... not later than 30 days from the date of discharge from the Hospital ... You should submit the Post-hospitalization claim documents at Your own expense within 15 days of completion of Post-hospitalization treatment","sources":[{"clause":"G(a)","heading":null,"page":57,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-3"},{"clause":null,"heading":"G.I.9 Pre and Post-hospitalization claims","page":60,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-i-9-pre-and-post-hospitalization-claims"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"Claims are settled or rejected within 15 days of submission of the necessary claim documents; delay attracts interest at 2% above the bank rate.","display":"15 days from submission of necessary claim documents","note":"Cashless: authorisation within 1 hour of request; final discharge authorisation within 3 hours.","quote":"The Company shall settle or reject the claim, as the case may be, within 15 days (other than cashless) from date of submission of necessary claim documents. ii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from date of submission of necessary claim documents to the date of payment of claim at a rate 2% above the bank rate. ... All authorisations will be issued within a period of 1 hour from the receipt of request. ... We shall accept or decline such additional expenses within 3 (Three) hours from receipt of request.","sources":[{"clause":null,"heading":"F. I .3 Claim Settlement (provision for Penal Interest)","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-3-claim-settlement-provision-for-penal-inter"},{"clause":"G(a)(v)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-v"},{"clause":"G(a)(vii)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-vii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing Disease until 24 months of continuous coverage (Excl 01)","Listed conditions, surgeries/treatments until 24 months of continuous coverage (Excl 02)","Any illness in the first 30 days, except accidents (Excl 03)","Admission primarily for diagnostics and evaluation (Excl 04)","Rest cure, rehabilitation and respite care (Excl 05)","Cosmetic or plastic surgery (Excl 08)","Alcoholism, drug or substance abuse (Excl 12)","Sterility and infertility (Excl 17)","Maternity: childbirth, miscarriage and termination of pregnancy (Excl 18)","Treatment received outside India","Out-patient treatment expenses","Non-medical items in Annexure III list I","Dental treatment unless necessitated by an Accident","Treatments or medicines not approved by CDSCO, FDA or used off-label","Modern and Advanced Treatments other than those covered"],"display":"PED and listed illnesses 24 months, first 30 days, diagnostics-only admissions, rest cure, cosmetic surgery, substance abuse, infertility, maternity, treatment outside India, OPD, non-medical items, dental, unapproved or off-label treatment","note":"Section E does not apply to the Adult Health Check-Up, the Women+ screenings, vaccination and consultations, Tele-consultations and Personal Accident Plus. AYUSH, Bariatric Surgery (Health+) and Non-Medical Items (Health+) override their exclusions to the extent covered.","quote":"E.I.1 Pre-existing Disease - Code Excl 01 ... a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage ... E.I.2 Specified disease/procedure waiting period- Code -Excl 02 ... a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage ... E.I.3 30-day waiting Period Code - Excl 03 ... except claims arising due to an accident ... E.I.4 Investigation & Evaluation Code - Excl 04 ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... E.I.5 Rest Cure, rehabilitation and respite care Code - Excl 05 ... E.I.8 Cosmetic or plastic Surgery Code - Excl 08 ... E.I.12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code - Excl 12 ... E.I.17 Sterility and Infertility Code - Excl 17 ... E.I.18 Maternity Code Excl - 18 ... Medical treatment expenses traceable to childbirth ... Expense towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy ... E.II.5 Treatment received outside India ... E.II.8 For complete list of non-medical items, please refer to the Annexure III, list I of “Non-Payable Items” ... E.II.12 Out-patient treatment expenses. ... E.II.22 Dental Treatment, orthodontic treatment, dentures or Surgery of any kind unless necessitated due to an Accident ... E.II.26 Expenses related to any Modern & Advanced Treatments other than those covered under this Policy ... Any treatment, medicine not approved by CDSCO, FDA and other appropriate authorities in India shall not be covered under the policy. ... Treatments or medications used outside their approved purpose (often called “off-label” or extra usage) shall not be covered under the policy ... Section ‘E. Exclusions’ is applicable to all benefits under this policy except the below ... a) Adult Health Check-Up ... i) Tele-consultations ... j) Personal Accident Plus","sources":[{"clause":"E","heading":"EXCLUSIONS","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e"},{"clause":null,"heading":"E.I STANDARD EXCLUSIONS E.I.1 Pre-existing Disease - Code Excl 01","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-standard-exclusions-e-i-1-pre-existing-disea"},{"clause":null,"heading":"E.I.2 Specified disease/procedure waiting period- Code -Excl 02","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-2-specified-disease-procedure-waiting-period"},{"clause":null,"heading":"E.I.3 30-day waiting Period Code - Excl 03","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-3-30-day-waiting-period-code-excl-03"},{"clause":null,"heading":"E.I.4 Investigation & Evaluation Code - Excl 04","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-4-investigation-evaluation-code-excl-04"},{"clause":null,"heading":"E.I.5 Rest Cure, rehabilitation and respite care Code - Excl 05","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-5-rest-cure-rehabilitation-and-respite-care"},{"clause":null,"heading":"E.I.8 Cosmetic or plastic Surgery Code - Excl 08","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-8-cosmetic-or-plastic-surgery-code-excl-08"},{"clause":null,"heading":"E.I.11 Excluded Providers Code - Excl 11","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-11-excluded-providers-code-excl-11"},{"clause":null,"heading":"E.I.17 Sterility and Infertility Code - Excl 17","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-17-sterility-and-infertility-code-excl-17"},{"clause":null,"heading":"E.I.18 Maternity Code Excl - 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-18-maternity-code-excl-18"},{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"},{"clause":"2(b)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-b-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First contact ManipalCigna customer care (website, customercare@manipalcigna.com, toll free 1800-102-4462, or any branch); if not satisfied, the Grievance Cell / grievance officer at headcustomercare@manipalcigna.com; then the Insurance Ombudsman.","display":"ManipalCigna customer care, then its Grievance Cell, then the Ombudsman","note":"The CIS gives a four-level ladder with different addresses: Level 1 toll free 1800-102-4462 / headcustomercare@manipalcigna.com, Level 2 Grievance Redressal Officer complaints@manipalcigna.com, Level 3 Chief Grievance Redressal Complaince@manipalcigna.com, Level 4 Ombudsman. Complaints can also be lodged on Bima Bharosa.","quote":"If you have a grievance that you wish us to redress, you may contact us with the details of the grievance through Our website:www.manipalcigna.com Email: customercare@manipalcigna.com, Senior Citizens may write to us at:seniorcitizensupport@manipalcigna.com ... Toll Free: 1800-102-4462 ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at, ‘The Grievance Cell, ManipalCigna Health Insurance Company Limited, 401/402, 4th Floor, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai - 400063, Maharashtra, India or Email: headcustomercare@manipalcigna.com. ... LEVEL 2 Grievance Redressal Officer Call us on 022-61703600 between 10 AM to 6 PM (Monday to Friday) Email us at: complaints@manipalcigna.com LEVEL 3 Chief Grievance Redressal","sources":[{"clause":null,"heading":"F.I.15 Redressal of Grievance","page":46,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-15-redressal-of-grievance"},{"clause":null,"heading":"Toll Free: 1800-102-4462 Contact No.: 022-61703600","page":46,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-toll-free-1800-102-4462-contact-no-022-61703600"},{"clause":null,"heading":"Financial limits of","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-financial-limits-of"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Sum Insured1 of Rs 50 Lacs, 75 Lacs, 100 Lacs, 150 Lacs, 200 Lacs or 300 Lacs.","display":"Rs 50 Lacs / 75 Lacs / 100 Lacs / 150 Lacs / 200 Lacs / 300 Lacs","note":"From the prospectus; the wording does not print the options.","quote":"Sum Insured1: Sum Insured1 is coverage available under benefits from II.1 to II.15. ₹ 50 Lacs / ₹ 75 Lacs / ₹100 Lacs / ₹ 150 Lacs / ₹ 200 Lacs / ₹ 300 Lacs","sources":[{"clause":"14(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-b-4"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are not subject to the wait. The wording body says 'within opted period' and the heading '30-day'; the CIS gives 30 days for all illnesses. Does not apply after more than twelve months of continuous coverage; applies afresh to any Sum Insured1 increase.","quote":"E.I.3 30-day waiting Period Code - Excl 03 ... a) Expenses related to the treatment of any illness within opted period of continuous coverage from the first policy commencement date shall be excluded except claims arising due to an accident ... b) This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months. ... a) Initial Waiting Period: 30 days for all illnesses (not applicable in case of continuous renewal or accidents).","sources":[{"clause":null,"heading":"E.I.3 30-day waiting Period Code - Excl 03","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-3-30-day-waiting-period-code-excl-03"},{"clause":null,"heading":"Waiting Period","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-waiting-period"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Applies afresh to any Sum Insured1 increase; reduced by prior continuous cover when ported. A personal waiting period of up to 36 months may be added for declared conditions with consent.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. ... b) In case of enhancement of Sum Insured1 the exclusion shall apply afresh to the extent of Sum Insured1 increase. ... then waiting period for the same would be reduced to the extent of prior coverage. ... A special Waiting Period not exceeding 36 months, may be applied to individual Insured Persons","sources":[{"clause":null,"heading":"E.I STANDARD EXCLUSIONS E.I.1 Pre-existing Disease - Code Excl 01","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-standard-exclusions-e-i-1-pre-existing-disea"},{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed condition is also pre-existing, the longer waiting period applies. Bariatric Surgery under the optional Health+ package has a 2-year wait.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident. ... c) If any of the specified disease/procedure falls under the waiting period specified for Pre-Existing diseases, then the longer of the two waiting periods shall apply. ... This cover is available ONLY after a Waiting Period of 2 years from the inception of ‘Health+ ’ with Us","sources":[{"clause":null,"heading":"E.I.2 Specified disease/procedure waiting period- Code -Excl 02","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-2-specified-disease-procedure-waiting-period"},{"clause":"27(II)(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-b-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Cataract","Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy, myomectomy for fibroids","Knee Replacement Surgery (other than caused by an Accident)","Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis","Joint Replacement Surgery (other than caused by Accident)","Prolapse of Intervertebral discs (other than caused by Accident)","All Vertebrae Disorders","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems","Benign Prostate Hypertrophy, all types of Hydrocele","Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids","CSOM, Deviated Nasal Septum, Sinusitis, Surgery on tonsils/Adenoids, Tympanoplasty and other benign ENT disorders","Gastric and duodenal ulcer","Cysts/Nodules/Polyps/internal tumors/skin tumors, Breast lumps (unless malignant)","Polycystic Ovarian Diseases","Any surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract, hysterectomy, joint replacement, arthritis, spine disorders, varicose veins, stones, BPH, hernia and piles, ENT, ulcers, cysts and polyps, PCOD, genito-urinary surgery","note":null,"quote":"i) Cataract, ii) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids iii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs(other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal. iv) Varicose Veins and Varicose Ulcers, v) Stones in the urinary uro-genital and biliary systems including calculus diseases, vi) Benign Prostate Hypertrophy, all types of Hydrocele, vii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region. viii) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery. ix) Gastric and duodenal ulcer, any type of Cysts/ Nodules/ Polyps/ internal tumors/skin tumors, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases, x) Any surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":null,"heading":"E.I.2 Specified disease/procedure waiting period- Code -Excl 02","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-2-specified-disease-procedure-waiting-period"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced Sum Insured, the 60 months run from the enhancement on the enhanced limit.","quote":"After completion of 60 continuous months of coverage (including Portability and Migration) in health insurance policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, mis-representation, except on grounds of established fraud.","sources":[{"clause":null,"heading":"F. I .4 Moratorium period","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-4-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying 30 to 60 days before renewal, with accrued waiting-period credit as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried","note":"Migration to other ManipalCigna products: apply at least 30 days before renewal.","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured Person will get all the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":null,"heading":"F.I.13 Portability","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-13-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, renewable for life","note":"Renewal can be refused for established fraud, misrepresentation or non-disclosure.","quote":"a) The Policy is ordinarily renewable on mutual consent for life, subject to application of Renewal and realization of Renewal premium","sources":[{"clause":"2(a)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-a-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. Renewal premium is not loaded or altered based on individual claims experience.","display":"No loading for claims","note":"Premiums are age based and change with age; a health-based risk loading may be applied from inception.","quote":"v. No loading shall apply on renewals based on individual claims experience. ... Renewal premium will not alter based on individual claims experience. ... All Premiums are age based and will vary each year as per the change in age. ... We may apply a risk loading on the premium payable (excluding Statutory Levis and Taxes as applicable) or Special Conditions on the Policy based upon the health status of the persons proposed for insurance","sources":[{"clause":null,"heading":"F.I.11Renewal of Policy","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-11renewal-of-policy"},{"clause":"2(e)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-e"},{"clause":null,"heading":"F. II .18 Premium calculation","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-18-premium-calculation"},{"clause":null,"heading":"F. II .11 Underwriting Loading & Special Conditions","page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-11-underwriting-loading-special-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/Weight Control","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Alcoholism, drug or substance abuse","Health hydros, nature cure clinics, spas","Dietary supplements and over the counter substances","Refractive Error less than 7.5 dioptres","Unproven Treatments","Sterility and Infertility","Maternity","External Congenital Anomaly","Circumcision unless medically necessary","Prostheses and Medical Appliances not required intra-operatively","Treatment received outside India","Nuclear, chemical or biological attack","War and war-like situations","Non-medical items (Annexure III list I)","Non-Allopathic Treatments except AYUSH","Stay in hospital without treatment","Out-patient treatment expenses","Intentional self-injury or suicide","Preventive care, vaccination","Hearing aids, spectacles or contact lenses","Alopecia and baldness treatment","Treatment not Medically Necessary or not of a reasonable charge","Drugs or treatments not supported by a prescription","Permanent exclusions applied in the Policy Schedule","Treatment at a facility which is not a Hospital or Day Care Centre","Treatment outside the practitioner's discipline","Dental treatment unless due to an Accident","CPAP, CAPD, oxygen concentrator, infusion pumps and other external devices","Donor screening and non-human organ transplants","Multi-Focal Lenses and Femto Laser cataract surgery","Modern & Advanced Treatments other than those covered","Treatments or medicines not approved by CDSCO, FDA or used off-label"],"display":"Standard IRDAI exclusions plus the policy's own list (outside India, OPD, non-medical items, dental, external devices and others)","note":"The change-of-gender exclusion does not apply to sex reassignment surgery for transgender persons; the adventure sports exclusion applies to professional participation. Maternity and infertility can be covered only through the Lifetime Plus add-on; Bariatric Surgery through Health+.","quote":"E.I.4 Investigation & Evaluation Code - Excl 04 ... E.I.5 Rest Cure, rehabilitation and respite care Code - Excl 05 ... E.I.6 Obesity/ Weight Control Code - Excl 06 ... E.I.7 Change-of-Gender treatments Code - Excl 07 ... E.I.8 Cosmetic or plastic Surgery Code - Excl 08 ... E.I.9 Hazardous or Adventure sports Code - Excl 09 ... E.I.10 Breach of law Code - Excl 10 ... E.I.11 Excluded Providers Code - Excl 11 ... E.I.12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code - Excl 12 E.I.13 Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Code - Excl13 E.I.14 Dietary supplements and over the counter substances. Code - Excl 14 ... E.I.15 Refractive Error Code - Excl 15 ... refractive error less than 7.5 dioptres ... E.I.16 Unproven Treatments Code - Excl 16 ... E.I.17 Sterility and Infertility Code - Excl 17 ... E.I.18 Maternity Code Excl - 18 ... E.II.2 External Congenital Anomaly or defects or any complications or conditions arising therefrom. E.II.3 Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an Accident. E.II.4 Prostheses, corrective devices and/or Medical Appliances, which are not required intra- operatively for the Illness/Injury for which the Insured Person was Hospitalised, unless opted. E.II.5 Treatment received outside India E.II.6 All expenses caused by ionizing radiation or contamination by radioactivity ... nuclear, chemical or biological attack ... E.II.7 All expenses caused by or arising from war or war-like situation ... E.II.8 For complete list of non-medical items, please refer to the Annexure III, list I of “Non-Payable Items” ... E.II.9 Any form of Non-Allopathic Treatments except AYUSH treatment. ... E.II.11 Any stay in Hospital without undertaking any treatment ... E.II.12 Out-patient treatment expenses. E.II.13 Expenses related to an Insured Person committing or attempting to commit intentional self-injury or attempted suicide or suicide. E.II.14 Preventive care, vaccination, inoculation, or immunization ... E.II.15 Expenses related to the provision or fitting of hearing aids, spectacles or contact lenses. E.II.16 Any treatment and associated expenses for alopecia, baldness ... E.II.17 Any treatment or part of a treatment that is not of a reasonable charge and not Medically Necessary. E.II.18 Drugs or treatments which are not supported by a prescription. E.II.19 Any permanent exclusion applied on any medical or physical condition or treatment of an Insured Person as specifically mentioned in the Policy Schedule ... E.II.20 Treatment at a healthcare facility which is NOT a Hospital or Day Care Centre. E.II.21 Treatment rendered by a Medical Practitioner which is outside his discipline ... E.II.22 Dental Treatment, orthodontic treatment, dentures or Surgery of any kind unless necessitated due to an Accident ... E.II.23 Instrument used for Sleep Apnea Syndrome (C.P.A.P.),Continuous Peritoneal Ambulatory Dialysis (C.P.A.D.), Oxygen Concentrator for Bronchial Asthmatic condition, Infusion pumps, or other external devices used during or after treatment. E.II.24 Costs of donor screening or organs Transplants involving organs not harvested from a human body. E.II.25 Expenses for Multi-Focal Lenses, Multi-Focal Toric lenses, and Femto Laser-Assisted surgeries for cataract treatment. E.II.26 Expenses related to any Modern & Advanced Treatments other than those covered under this Policy ... Any treatment, medicine not approved by CDSCO, FDA and other appropriate authorities in India shall not be covered under the policy. ... Treatments or medications used outside their approved purpose (often called “off-label” or extra usage) shall not be covered under the policy","sources":[{"clause":null,"heading":"E.I.4 Investigation & Evaluation Code - Excl 04","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-4-investigation-evaluation-code-excl-04"},{"clause":null,"heading":"E.I.5 Rest Cure, rehabilitation and respite care Code - Excl 05","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-5-rest-cure-rehabilitation-and-respite-care"},{"clause":null,"heading":"E.I.6 Obesity/ Weight Control Code - Excl 06","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-6-obesity-weight-control-code-excl-06"},{"clause":null,"heading":"E.I.7 Change-of-Gender treatments Code - Excl 07","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-7-change-of-gender-treatments-code-excl-07"},{"clause":null,"heading":"E.I.8 Cosmetic or plastic Surgery Code - Excl 08","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-8-cosmetic-or-plastic-surgery-code-excl-08"},{"clause":null,"heading":"E.I.9 Hazardous or Adventure sports Code - Excl 09","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-9-hazardous-or-adventure-sports-code-excl-09"},{"clause":null,"heading":"E.I.10 Breach of law Code - Excl 10","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-10-breach-of-law-code-excl-10"},{"clause":null,"heading":"E.I.11 Excluded Providers Code - Excl 11","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-11-excluded-providers-code-excl-11"},{"clause":null,"heading":"E.I.15 Refractive Error Code - Excl 15","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-15-refractive-error-code-excl-15"},{"clause":null,"heading":"E.I.16 Unproven Treatments Code - Excl 16","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-16-unproven-treatments-code-excl-16"},{"clause":null,"heading":"E.I.17 Sterility and Infertility Code - Excl 17","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-17-sterility-and-infertility-code-excl-17"},{"clause":null,"heading":"E.I.18 Maternity Code Excl - 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-18-maternity-code-excl-18"},{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"},{"clause":"2(b)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-b-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"Cancel with 7 days written notice. One-year policy: pro-rata refund for unexpired days if no claim, no refund if a claim was made. Longer policies: pro-rata if no claim in the current policy year or the claim was in an earlier policy year; if a claim was made in the current policy year, premium for the remaining complete policy years.","display":"Pro-rata refund if no claim; no refund on a 1-year policy after a claim","note":"No refund when the insurer cancels for misrepresentation, non-disclosure or fraud (15 days notice).","quote":"The policyholder may cancel this policy by giving 7 days written notice ... If no claim has been made during the policy period, a proportionate refund of the premium will be issued based on the number of unexpired days. ... If a claim has been made during the Policy period, no refund will be given to the Policyholder. ... B. If Policy Tenure is more than 1 years: ... 2. If a claim has been made in the current policy year, the premium for the remaining complete policy year(s) will be refunded on cancellation. ... 3. If a claim has been made in active policy but in previous policy year, a proportionate refund of the premium on cancellation will be issued based on the number of unexpired days. ... The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium","sources":[{"clause":null,"heading":"F. I .8 Cancellation","page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-8-cancellation"},{"clause":"1","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-1-3"},{"clause":"2","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":"India Plan. The Global Plan under the same UIN and the Lifetime Plus add-on (worldwide medical emergency hospitalisation) extend cover abroad.","quote":"The geographical coverage of this policy and all its benefit is limited to events/perils occurring within India only. All admitted or payable claims shall be settled in India and payable in Indian Rupees only.","sources":[{"clause":null,"heading":"F.II SPECIFIC TERMS AND CLAUSES F. II .1 Geography","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-specific-terms-and-clauses-f-ii-1-geography"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only, not renewals or ported/migrated policies. Refund less proportionate risk premium, medical examination and stamp duty costs, within 7 days. The prospectus says 'at least 30 days'.","quote":"The Free Look Period shall be applicable for new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. ... The insured shall be allowed a period of 30 days from the date of receipt of the policy document to review the terms and conditions of the policy and to return the same if not acceptable. ... subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the insurer on medical examination of the proposer and stamp duty charges. Free look cancellation & refund will be made within 7 days from the date of receipt of request. ... The insured shall be allowed a period of at least 30 days from the date of receipt of the policy document","sources":[{"clause":null,"heading":"F. I .7 Free Look period","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-7-free-look-period"},{"clause":"14(III)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-iii-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":null,"quote":"in no case later than the Grace Period of 30 days from the expiry of the Policy for, Single and Yearly mode of payment ... Grace Period of 30 days would be given for Half-yearly and Quarterly mode of payment and grace period of 15 days for monthly mode of payment","sources":[{"clause":null,"heading":"F. II .17 Grace Period","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-17-grace-period"},{"clause":"2(i)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Children from 91 days to 30 years; adults from 18 to 65 years.","display":"91 days to 65 years (children to 30)","note":"From the prospectus. Children up to 18 are covered only if a parent is the proposer. Personal Accident Plus: entry age 18 to 65.","quote":"The minimum entry Age under this policy is 91 days for children and 18 years for adults. The maximum entry Age under this policy is 30 years for children and is 65 years for adults. ... a) Children from 91 days to 18 years will only be covered if one of the parents is the proposer. ... f) The Minimum entry age of any Individual at the time of opting for this cover cannot be less than 18 years ... g) The Maximum entry age of any Individual at the time of opting for this cover cannot be greater than 65 years","sources":[{"clause":null,"heading":"IV. What are Features of the Policy?","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-iv-what-are-features-of-the-policy"},{"clause":"14(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-a-3"},{"clause":"27(II)(f)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-f"},{"clause":"27(II)(g)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-g"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Single","Yearly","Half yearly","Quarterly","Monthly"],"display":"Single, yearly, half-yearly, quarterly, monthly","note":"Loading of 5.50% monthly, 3.50% quarterly, 2.50% half yearly. Instalments only for 1-year policies.","quote":"Premium can be paid on Single, Yearly, Half yearly, Quarterly and Monthly basis. ... In case of premium payment modes other than Single and Yearly, a loading will be applied on the premium. ... Monthly | 5.50 ... Quarterly | 3.50 ... Half yearly | 2.50 ... iii) Instalment facility shall not be available for the Policy Tenure more than 1 year","sources":[{"clause":null,"heading":"F. II .18 Premium calculation","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-18-premium-calculation"},{"clause":"2(iii)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-iii"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Personal Accident Plus","Health+ package","Women+ package","Annual aggregate Deductible","ManipalCigna Critical Illness Add-On Cover","ManipalCigna Health 360 add-on","ManipalCigna Lifetime Plus add-on"],"display":"Personal Accident Plus, Health+, Women+, optional deductible; add-ons Critical Illness, Health 360, Lifetime Plus","note":"Personal Accident Plus: accidental death, permanent disablement or both. Health+: air ambulance, medical devices and non-medical items, domestic second opinion, bariatric surgery, convalescence benefit, major illness and accidental hospital cash, chemotherapy and radiotherapy cash, concierge services, tele-consultations. Women+ (females 12 and above): breast, cervical, ovarian cancer and osteoporosis screening, cervical cancer vaccination, gynaecological and psychiatric consultations. Health+ and Women+ are bought as whole packages at policy level. Bariatric BMI thresholds differ: the wording says BMI greater than 37.5 without co-morbidity or greater than 32 with co-morbidity; the CIS says at least 32.5 with co-morbidities or 37 and above without; the CIS says the policy document prevails.","quote":"D.II.16 Personal Accident Plus ... Option 1: Accidental Death Cover (AD) only ... D.III OPTIONAL PACKAGES ... D.III.1 HEALTH+: ... D.III.2 WOMEN+ ... This optional package is available to female of Age 12 years and above ... D.I.2 Deductible (optional) ... Deductible in this policy shall be on an annual aggregate basis. ... D.IV.1. ManipalCigna Critical Illness Add-On Cover ... D.IV.2. ManipalCigna Health 360 ... D.IV.3. ManipalCigna Lifetime Plus ... • Air Ambulance Cover | • Breast Cancer Screening ... • Medical Devices and Non- Medical Items | • Cervical Cancer Screening ... • Domestic Second Opinion | • Cervical Cancer Vaccination ... • Bariatric Surgery Cover | • Ovarian Cancer Screening ... • Convalescence Benefit | • Osteoporosis Screening ... • Major Illness Hospi Cash | • Gynaecological Consultations ... • Chemotherapy and Radiotherapy Cash | • Psychiatric and Psychological ... • Accidental Hospi Cash | Consultations ... • Domestic Concierge Services ... • Tele-Consultations ... a) The BMI should be greater than 37.5 without any co-morbidity; or greater than 32 with co-morbidity and ... i) BMI of at least 32.5 with co-morbidities or ... ii) BMI equivalent to 37 and above without any co-morbidity","sources":[{"clause":null,"heading":"D.II.16 Personal Accident Plus","page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-16-personal-accident-plus"},{"clause":null,"heading":"D.III OPTIONAL PACKAGES","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-optional-packages"},{"clause":null,"heading":"D.III.2 WOMEN+","page":35,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-2-women"},{"clause":null,"heading":"D BENEFITS COVERED UNDER THE POLICY D.I LIMIT AND SCOPE OF COVER","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-benefits-covered-under-the-policy-d-i-limit-an"},{"clause":null,"heading":"D.IV.1. ManipalCigna Critical Illness Add-On Cover","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iv-1-manipalcigna-critical-illness-add-on-cove"},{"clause":null,"heading":"D.IV.2. ManipalCigna Health 360","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iv-2-manipalcigna-health-360"},{"clause":null,"heading":"D.IV.3. ManipalCigna Lifetime Plus","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iv-3-manipalcigna-lifetime-plus"},{"clause":null,"heading":"India Plan (Base cover)","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-india-plan-base-cover"},{"clause":"27(II)(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-a-6"},{"clause":null,"heading":"4. Bariatric Surgery Cover","page":4,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-4-bariatric-surgery-cover"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No for a renewal premium paid in the grace period; yes for an instalment premium (half-yearly, quarterly, monthly) paid in the grace period.","display":"No (renewal grace); yes for instalment premiums","note":"F.I.11 also says 'Coverage is not available during the grace period.' for renewals.","quote":"We will not be liable to pay for any claim arising out of an Injury/ Accident/ Condition that occurred during the Grace Period. ... ii) If the premium is paid in instalments during the Policy Period, coverage will be available during such Grace Period. ... Coverage is not available during the grace period.","sources":[{"clause":null,"heading":"F. II .17 Grace Period","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-17-grace-period"},{"clause":"2(ii)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-ii"},{"clause":null,"heading":"F.I.11Renewal of Policy","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-i-11renewal-of-policy"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"No rupee limit: any room except suite or higher for Sum Insured up to Rs 200 Lacs; any room including suite for Rs 300 Lacs.","display":"Any room except suite (up to Rs 200 Lacs); any room incl. suite (Rs 300 Lacs)","note":"From the CIS; the wording says 'up to room category as per the Sum Insured1' and the prospectus 'up to any room category, as per the Sum Insured1'. The ManipalCigna Health 360 Advance add-on gives 'Any room' cover.","quote":"o For Sum Insured up to ₹200 Lacs - Covered up to any ... room except suite or higher category. ... o For Sum Insured ₹300 Lacs - Covered up to any room ... including suite category. ... Coverage for ‘Any room’ category","sources":[{"clause":null,"heading":"Financial limits of","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-financial-limits-of"},{"clause":null,"heading":"2. ManipalCigna Health 360 - Advance","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-2-manipalcigna-health-360-advance"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Any room except suite or higher category for Sum Insured up to Rs 200 Lacs; any room including suite for Rs 300 Lacs.","display":"Any room except suite (up to Rs 200 Lacs); suite allowed at Rs 300 Lacs","note":"From the CIS.","quote":"o For Sum Insured up to ₹200 Lacs - Covered up to any ... room except suite or higher category. ... o For Sum Insured ₹300 Lacs - Covered up to any room ... including suite category.","sources":[{"clause":null,"heading":"Financial limits of","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-financial-limits-of"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"No separate cap: ICU charges are paid within Sum Insured1.","display":"No separate limit, up to Sum Insured1","note":"Proportionate deduction does not apply to ICU hospitalisation.","quote":"We will indemnify the Medical Expenses of an Insured Person upto the Sum Insured1 specified in the Policy Schedule ... b) Intensive Care Unit charges, ... It shall not be applicable for Hospitalization in ICU.","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"},{"clause":null,"heading":"C.II SPECIFIC DEFINITIONS","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-c-ii-specific-definitions"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. In a room above the eligible category, the insured bears a proportionate share of Associated Medical Expenses (nursing, OT, practitioner fees), in the ratio of room rent entitlement to rent incurred; pharmacy, consumables, implants and diagnostics are excluded from this, and it does not apply in ICU.","display":"Yes, on associated medical expenses (not pharmacy, implants, diagnostics or ICU)","note":"Applies only in hospitals with differential billing by room category.","quote":"If the Insured Person is admitted to a room category higher than that specified in the Policy Schedule, the Policyholder/Insured Person shall bear a proportionate share of the total Associated Medical Expenses (including room rent, applicable taxes and surcharge). Such proportionate share will be calculated based on the ratio of the room rent entitlement to the room rent actually incurred. ... Associated Medical Expenses shall include nursing charges, operation theatre charges, fees of Medical Practitioner surgeon/anesthetist/Specialist, excluding cost of pharmacy and consumables, cost of implants and medical devices, cost of diagnostics conducted within the same Hospital where the Insured Person has been admitted. It shall not be applicable for Hospitalization in ICU. Associated Medical Expenses shall be applicable for covered expenses, incurred in Hospitals which follow differential billing based on the room category.","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"},{"clause":null,"heading":"C.II SPECIFIC DEFINITIONS","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-c-ii-specific-definitions"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"None as standard. A 10% co-payment may apply if a stay beyond 10 days is not intimated within 10 days of admission, and 20% for a transplant at a non-network hospital without the required intimation or biopsy report.","display":"None as standard (10% or 20% may apply for late intimation)","note":"The zone note says no zonal co-payment applies when a lower-zone person is treated in a higher zone; no zonal co-payment rate is printed.","quote":"3. Co-Payment - Not Applicable ... If we do not receive intimation within 10 days from the date of admission, we may apply an additional cumulative co-payment of 10% on the final admissible claim amount. ... If treatment is taken at a non-network hospital and we do not receive the required intimation or the biopsy report as outlined above, an additional 20% co-payment may be applicable on the admissible claim amount. ... ii) No Zonal Co-payment shall apply if person from a lower zone avails treatment in a higher zone.","sources":[{"clause":null,"heading":"Financial limits of","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-financial-limits-of"},{"clause":"2(a)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-a-7"},{"clause":"2(d)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-2-d-5"},{"clause":null,"heading":"F. II .18 Premium calculation","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-18-premium-calculation"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional annual aggregate deductible is chosen.","display":"None unless opted","note":"Options: Rs 25K, 50K, 1L, 2L, 3L, 4L, 5L or 10L per policy year, aggregate; per person in individual policies, per policy in floaters. Reducing or waiving a deductible above Rs 25,000 restarts waiting periods for the reduced amount.","quote":"D.I.2 Deductible (optional) ... Deductible in this policy shall be on an annual aggregate basis. ... iii | Deductible (Optional) (INR) | ₹25K / 50K / 1L / 2L / 3L / 4L/ 5L/ 10L. ... d) In case of an Individual/Multi Individual Policy, the entire amount of Aggregate Deductible must first be exhausted on per Insured Person basis ... e) In case of family floater Policy, the entire amount of Aggregate Deductible must first be exhausted by any one or more of the Insured Persons ... However, if deductible amount greater than ₹25,000 was opted and the same was reduced or waived at a subsequent renewal, then, all waiting period applicable under the policy shall apply afresh for such reduced amount.","sources":[{"clause":null,"heading":"D BENEFITS COVERED UNDER THE POLICY D.I LIMIT AND SCOPE OF COVER","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-benefits-covered-under-the-policy-d-i-limit-an"},{"clause":null,"heading":"Ombudsman","page":63,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-ombudsman"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["No sublimit on any disease"],"display":"No disease sub-limits","note":"Cover-level limits: Domiciliary up to 10% of Base Sum Insured1; enteral feedings up to 15 days a year. A condition-specific sub-limit may be applied at underwriting.","quote":"1. The policy will pay only up to the limits specified hereunder ... for the following diseases/procedures: Not Applicable ... o No sublimit on any disease. ... primarily for enteral feedings will be covered maximum up to 15 days in a Policy Year ... Benefit under this cover is payable maximum up to 10% of the Base Sum Insured1 ... We may apply a specific sub-limit on a medical condition/ailment depending on the past history and declarations","sources":[{"clause":null,"heading":"Financial limits of","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-financial-limits-of"},{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"},{"clause":null,"heading":"D.II.8 Domiciliary Expenses","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-8-domiciliary-expenses"},{"clause":null,"heading":"F. II .11 Underwriting Loading & Special Conditions","page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-11-underwriting-loading-special-conditions"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"We will reimburse, Pre-hospitalization Medical Expenses, upto the Sum Insured1, incurred during the 60 days immediately prior to the date the Insured was admitted in the Hospital.","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":180},"display":"180 days","note":null,"quote":"We will reimburse, Post-hospitalization Medical Expenses, upto the Sum Insured1, incurred during the 180 days immediately post the date the Insured was discharged from the Hospital.","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All day care treatments needing less than 24 hours of hospitalisation are covered up to Sum Insured1; OPD treatment is not.","display":"All day care treatments, up to Sum Insured1","note":null,"quote":"All Day Care Treatments, availed in India, covered up to the full | D.II.2 ... We will indemnify Medical Expenses of an Insured Person in case of a Medically Necessary Day Care Treatment or Surgery that requires less than 24 hours of Hospitalization ... Any treatment in an Outpatient department (OPD) is not covered under this benefit. Benefit under this cover is payable maximum up to the Sum Insured1","sources":[{"clause":"2","heading":"Day Care Treatment","page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-2"},{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Yes, when the patient cannot be moved or no hospital bed is available and treatment lasts at least 3 days, up to 10% of the Base Sum Insured1.","display":"Yes, up to 10% of Base Sum Insured1","note":"Excludes asthma, bronchitis, cough and cold, arthritis, diarrhoea, diabetes, epilepsy, hypertension, pyrexia of unknown origin and others; pre and post costs of 60 and 180 days.","quote":"i. The condition of the Insured Person does not allow a hospital transfer: or ii. Hospital bed was unavailable provided that the treatment of the Insured Person continues at least 3 days ... Benefit under this cover is payable maximum up to 10% of the Base Sum Insured1 ... a) We will pay for pre-hospitalization & post-hospitalization medical expenses up to 60 days and 180 days respectively. ... a) Asthma, bronchitis, tonsillitis, and upper respiratory tract infection including laryngitis and pharyngitis, ... h) Hypertension, ... i) Pyrexia of unknown origin.","sources":[{"clause":null,"heading":"D.II.8 Domiciliary Expenses","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-8-domiciliary-expenses"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient AYUSH treatment is covered up to Sum Insured1.","display":"Covered in-patient, up to Sum Insured1","note":"Excludes beauty treatments, Panchakarma, purification, detoxification and rejuvenation.","quote":"We will indemnify the Medical Expenses of the Insured Person in case of a Medically Necessary treatment taken during In-patient Hospitalization for AYUSH Treatment ... Benefit under this cover is payable maximum up to the Sum Insured1 ... like beauty treatments, Panchakarma, purification, detoxification and rejuvenation.","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered up to Sum Insured1 for the listed methods only (Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation, Oral chemotherapy, Immunotherapy, Intra vitreal injections, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostate, IONM, Stem cell therapy for bone marrow transplant); Robotic and Cyber Knife Surgery also up to Sum Insured1.","display":"Listed treatments, up to Sum Insured1","note":"Other modern treatments are excluded (E.II.26).","quote":"Only the below Modern and Advanced Treatment methods will be covered when availed under In-patient Hospitalization or as a Day Care Treatment: a) Uterine Artery Embolization and HIFU b) Balloon Sinuplasty c) Deep Brain stimulation d) Oral chemotherapy e) Immunotherapy - Monoclonal Antibody to be given as injection f) Intra vitreal injections g) Stereotactic radio surgeries h) Bronchial Thermoplasty i) Vaporisation of the prostate (Green laser treatment or holmium laser treatment) j) IONM ( Intra Operative Neuro Monitoring) k) Stem cell therapy - Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. Benefit under this cover is payable maximum up to the Sum Insured1 ... We will indemnify the Medical Expenses incurred towards Medically Necessary Robotic or Cyber knife Surgery ... Benefit under this cover is payable maximum up to the Sum Insured1 ... E.II.26 Expenses related to any Modern & Advanced Treatments other than those covered under this Policy","sources":[{"clause":null,"heading":"D.II.11 Modern and Advanced Treatments","page":22,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-11-modern-and-advanced-treatments"},{"clause":null,"heading":"D.II.10 Robotic and Cyber Knife Surgery","page":21,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-10-robotic-and-cyber-knife-surgery"},{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes, the donor's in-patient organ harvesting costs are paid up to Sum Insured1 when the insured's transplant claim is admissible.","display":"Yes, up to Sum Insured1","note":"Excludes donor screening, organ acquisition, donor complications, transport or preservation, and donor pre/post hospitalisation.","quote":"We will indemnify In-patient Hospitalization Medical Expenses incurred during the Policy Period, upto the Sum Insured1, in respect of organ harvesting from the donor where an Insured Person shall be the recipient ... i) Cost towards donor screening, ii) Cost associated to the acquisition of the organ, iii) Any other medical treatment or complication in respect of the donor, consequent to harvesting. ... v) Expenses related to organ transportation or preservation. vi) Expenses towards any Pre or Post - hospitalization Medical Expenses towards the donor,","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance covered up to Sum Insured1, for transfers within India certified necessary by the treating doctor. Air ambulance only with the optional Health+ package.","display":"Road ambulance up to Sum Insured1 (air ambulance only with optional Health+)","note":"Health+ air ambulance: up to Rs.10 Lacs, once a Policy Year, outside Sum Insured1. The Health 360 Advance add-on also gives air ambulance up to Rs 10 Lacs.","quote":"We will indemnify the Reasonable and Customary expenses incurred towards transportation of an Insured Person by a registered healthcare or Road Ambulance service provider ... a) The necessity of use of a Road Ambulance must be certified by the treating Medical Practitioner. ... c) Road ambulance services shall be applicable within India ... Benefit under this cover is payable maximum up to the Sum Insured1 ... D.III.1 HEALTH+: ... D.III.1.i Air Ambulance Cover ... Benefit under this cover is payable maximum up to Rs.10 Lacs and claim under this section will not reduce the Sum Insured1. ... It also provides Air Ambulance cover up to Sum Insured opted under the base policy subject to a maximum of ₹10 Lacs","sources":[{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"},{"clause":null,"heading":"D.III OPTIONAL PACKAGES","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-optional-packages"},{"clause":null,"heading":"D.III.1.i Air Ambulance Cover","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-1-i-air-ambulance-cover"},{"clause":null,"heading":"2. ManipalCigna Health 360 - Advance","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-2-manipalcigna-health-360-advance"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Yes. The utilised part of the Base Sum Insured1 is reinstated unlimited times a year, for later claims only, not for an illness already claimed for the same person in that year.","display":"Unlimited times, utilised amount, not for the same illness","note":"Unused restored amount does not carry forward. Floater basis in family floaters.","quote":"the Company shall reinstate only the utilized portion of the Base Sum Insured1 unlimited times in the Policy Year. ... a) The Restored amount shall not be available for claims towards an Illness/ disease/ Injury (including its complications) for which a claim has been paid in the same Policy Year for the same Insured Person.","sources":[{"clause":null,"heading":"D.II.14 Restoration","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-14-restoration"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"The base India Plan wording prints no cumulative or no claim bonus. The Lifetime Plus add-on gives a guaranteed Cumulative Bonus of 15% of Base Sum Insured1 a year with no maximum (CIS).","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not in the base plan: items in Annexure III list I (gloves, masks and similar) are not payable. Covered up to Sum Insured1 with the optional Health+ package.","display":"Not covered unless Health+ is bought","note":"Annexure III list I includes gloves, masks and nebulisation kits. Drugs and consumables used intra-operatively are paid under Hospitalisation Expenses. The Health 360 Shield add-on also covers listed non-medical items.","quote":"E.II.8 For complete list of non-medical items, please refer to the Annexure III, list I of “Non-Payable Items” ... a) Non-Medical items, listed under list I of Annexure III of this Policy Wording AND ... 4. Our maximum liability for Claims under Non-Medical items shall never exceed Sum Insured1 in a Policy Year. ... 56. | GLOVES ... 60. | MASK ... 57. | NEBULISATION KIT ... j) Drugs and consumables, blood, oxygen, surgical appliances and prosthetic devices recommended by the attending Medical Practitioner and that are used intra operatively during a Surgical Procedure.","sources":[{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"},{"clause":"27(II)(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-a-4"},{"clause":"27(II)(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27-ii-b-4"},{"clause":null,"heading":"Add on cover (Rider)","page":66,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-add-on-cover-rider"},{"clause":"27","heading":"Surgical removal of an eyeball","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-27"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered: childbirth, miscarriage and termination are excluded, except ectopic pregnancy.","display":"Not covered","note":"The ManipalCigna Lifetime Plus add-on covers maternity up to Rs 1 Lac for up to 2 deliveries in the lifetime (CIS).","quote":"E.I.18 Maternity Code Excl - 18 i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ii. Expense towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. ... a) ManipalCigna Lifetime Plus - Maternity Expenses Coverage up to ₹1 Lac towards expenses for delivery ... Available up to 2 deliveries in the lifetime","sources":[{"clause":null,"heading":"E.I.18 Maternity Code Excl - 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-i-18-maternity-code-excl-18"},{"clause":"16(II)(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-16-ii-a"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"The base India Plan documents do not say a newborn is covered from birth; children enter from 91 days and a New Born Baby can be added by endorsement. The ManipalCigna Lifetime Plus add-on includes New Born Baby Cover and first-year vaccination.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"Covered: in-patient treatment for mental illness, stress, anxiety or depression up to Sum Insured1.","display":"Covered in-patient, up to Sum Insured1","note":"The optional Women+ package adds up to 5 out-patient psychiatric/psychological consultations a year.","quote":"We will indemnify Medical Expenses incurred for the Medically Necessary treatment taken during In-patient Hospitalization of the Insured Person, arising out of a condition caused by or associated to with Mental illness, Stress, Anxiety, Depression or a medical condition impacting mental health ... Benefit under this cover is payable maximum up to the Sum Insured1 ... Each Insured female may avail maximum up to a total of 5 out-patient psychiatric/ psychological consultations and psychotherapy session in a policy year.","sources":[{"clause":null,"heading":"D.II.13 Mental Care Cover","page":22,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-13-mental-care-cover"},{"clause":null,"heading":"D.III.2.vii. Psychiatric and Psychological Consultations","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-2-vii-psychiatric-and-psychological-consul"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"Yes, once every policy year from the first year for insured persons aged 18 or more, at the network, with tests by sum insured, age and gender.","display":"Once a year from age 18, at network centres","note":"Not available on reimbursement; does not reduce Sum Insured1. Women+ adds yearly mammography, pap smear, ovarian and osteoporosis screening.","quote":"If at the start of the Policy year, the Insured Person is of Age 18 years or above, then he/she may avail a comprehensive health check-up at Our Network ... This benefit will be available once a Policy Year starting from the first Policy Year. ... Coverage under this value added cover will not be available on reimbursement basis and any claim under this section will not reduce the Sum Insured1.","sources":[{"clause":null,"heading":"D.II.9. Adult Health Check-up","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-ii-9-adult-health-check-up"},{"clause":null,"heading":"Health Check-up list","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-health-check-up-list"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Not covered: out-patient treatment expenses are excluded.","display":"Not covered","note":"OPD cover is available through the Health 360 OPD add-on; Women+ gives up to 15 gynaecological and 5 psychiatric out-patient consultations a year; Health+ gives tele-consultations.","quote":"E.II.12 Out-patient treatment expenses. ... Each Insured female may avail maximum up to 15 out-patient gynaecological consultations in a policy year. ... Each Insured female may avail maximum up to a total of 5 out-patient psychiatric/ psychological consultations ... Package 1: Get cover for doctor consultations on cashless basis within the OPD Sum Insured","sources":[{"clause":null,"heading":"E.II. 1 Personal Waiting period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-e-ii-1-personal-waiting-period"},{"clause":null,"heading":"D.III.2.vi. Gynaecological Consultations","page":35,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-2-vi-gynaecological-consultations"},{"clause":null,"heading":"D.III.2.vii. Psychiatric and Psychological Consultations","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-d-iii-2-vii-psychiatric-and-psychological-consul"},{"clause":null,"heading":"3. ManipalCigna Health 360 - OPD","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369#c-3-manipalcigna-health-360-opd"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"The documents classify Zone 1, 2 and 3 by the proposer's pin code under premium calculation; no zonal co-payment applies when a lower-zone person is treated in a higher zone.","display":"Three zones by proposer's pin code","note":"The documents do not print a zone-wise premium difference or a zonal co-payment rate.","quote":"Zone Classification Identification of Zone will be based on Proposer’s city-location pin code as mentioned in KYC documents. ... Zone 3 | Rest of India ... ii) No Zonal Co-payment shall apply if person from a lower zone avails treatment in a higher zone.","sources":[{"clause":null,"heading":"F. II .18 Premium calculation","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-f-ii-18-premium-calculation"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network hospitals and hospitals under the Insurance Council's common empanelment.","display":"Yes, at network and common-empanelment hospitals","note":"Planned admissions: approach the network hospital 48 hours ahead. Authorisation within 1 hour, final discharge authorisation within 3 hours.","quote":"Cashless facility is available only at our Network Hospital or Common empanelment of hospital/healthcare providers as specified by Insurance Council. ... All authorisations will be issued within a period of 1 hour from the receipt of request. ... ii. We shall accept or decline such additional expenses within 3 (Three) hours from receipt of request. ... i) The Insured Person should approach the Network provider at least 48 Hours days prior to the admission for Hospitalization","sources":[{"clause":null,"heading":"G.I.4 Cashless Facility","page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-i-4-cashless-facility"},{"clause":"G(a)(v)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-v"},{"clause":"G(a)(vii)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-vii"},{"clause":"G(a)(i)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g-a-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Claim processing and network access go through a service partner / TPA, while all customer contact (intimation, submission, settlement, disputes) is with ManipalCigna.","display":"Service partner / TPA, with ManipalCigna as the contact","note":null,"quote":"Cashless and Reimbursement Claim processing and access to network hospitals is through our service partner/TPA ... Wherever a TPA is used, the TPA will only work to facilitate claim processing. All customer contact points will be with Us including claim intimation, submission, settlement and dispute resolutions.","sources":[{"clause":"G","heading":"I CLAIM PROCESS & MANAGEMENT G.I.1 Condition Preceding","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-g"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Up to 2 adults and 3 children (up to age 30) in a floater; multi-individual policies also available.","quote":"In case of Family Floater policies, a common Sum Insured1 shall be available on a floater basis amongst all the Insured Persons. ... The policy can be purchased on an individual basis or a family floater basis. ... A floater cover can cover a maximum of 2 adults and 3 children under a single policy. ... b) Children up to Age 30 years can be covered under the floater.","sources":[{"clause":"20","heading":"Any Add-ons/Riders opted","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/367#c-20"},{"clause":"14(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-c-2"},{"clause":"14(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-b-4"},{"clause":"14(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/368#c-14-b-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Lifetime Health Lifetime India Plan Tnc","pages":70,"fetched_at":"2026-10-19 17:10:39.108921+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Lifetime Health - 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Prospectus/c110c97d-d550-3fe5-532c-464bb761e957?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/12680"},{"kind":"cis","label":"Lifetime Health India CIS","pages":13,"fetched_at":"2026-10-19 17:10:39.108921+00","source_url":"https://www.manipalcigna.com/documents/20124/0/LifetimeHealth-India-Plan-CIS/cc564884-6217-a193-587b-7519224d9899?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/369"},{"kind":"cis","label":"Lifetime Health Global Plan CIS","pages":18,"fetched_at":"2026-10-17 19:48:20+00","source_url":"https://www.manipalcigna.com/documents/20124/0/LifetimeHealth-Global-Plan-CIS/562d8d2c-3a35-3c11-eb4c-6b373e4a3dff?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/12677"},{"kind":"benefit-illustration","label":"Lifetime Health Annexure to Prospectus - Benefit illustration","pages":4,"fetched_at":"2026-10-17 19:48:19+00","source_url":"https://www.manipalcigna.com/documents/20124/0/LifetimeHealth-Annexure-to-Prospectus-Benefitillustration/8feba5d2-afa6-0c6a-ef5c-202f3803a242?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/12675"},{"kind":"benefit-illustration","label":"Lifetime Health Annexure to CIS - Benefit Illustration - India Plan","pages":2,"fetched_at":"2026-10-17 19:48:25+00","source_url":"https://www.manipalcigna.com/documents/20124/0/Lifetime Health_India Plan_Annexure to CIS_BI_26may05/d3bdc926-a2f5-6ed8-4aaa-b7eea0372dca?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/12678"},{"kind":"benefit-illustration","label":"Lifetime Health Annexure to CIS - Benefit Illustration - Global Plan","pages":2,"fetched_at":"2026-10-17 19:48:32+00","source_url":"https://www.manipalcigna.com/documents/20124/0/Lifetime Health_Global Plan_Annexure to CIS_BI_26may05/7da93cef-6ac3-2edf-75f0-d557769d5bda?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021/document/12682"}],"versions":[{"uin":"MCIHLIP27041V022627","version":null,"approved_on":null},{"uin":"MCIHLIA27042V022627","version":null,"approved_on":null},{"uin":"MCIHLIP21559V012021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Manipal Cigna Health Insurance official website","url":"https://www.manipalcigna.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://claim.manipalcigna.com/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.manipalcigna.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew online","url":"https://online.manipalcigna.com/erenewal/renew?source=NWEB","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Lifetime Health (UIN MCIHLIP21559V012021), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/lifetime-health-mcihlip21559v012021"}