{"uin":"MCIHLIP23194V012223","name":"SecureHealth Policy","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223","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":"SecureHealth is a one-year individual hospitalisation indemnity policy designed for persons with disability and carrying an HIV/AIDS cover, for adults 18 to 65 and children from 0 days to 17 years, with a sum insured of Rs 4 lacs or Rs 5 lacs. Every claim carries a 20% co-payment, room rent is capped at 1% of the sum insured per day, and pre-existing diseases wait 36 months (24 months for the pre-existing disability).","analysis":{"state":"extracted","analysed_at":"2026-10-19 17:10:38.354197+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":"not-stated","value":null,"display":null,"note":"The documents describe a single plan with no named variants; the only choice is the sum insured (Rs 4 lacs or Rs 5 lacs).","quote":null,"sources":[],"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 year.","display":"1 year","note":null,"quote":"Policy Period | 1 Year ... You can buy the policy for one year.","sources":[{"clause":null,"heading":"9,,:KDWDUHWKHSODQEHQH¿WV\"","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-9-kdwduhwkhsodqehqhwv"},{"clause":"7(l)(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-7-l-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":"Within 24 hours of an emergency hospitalisation or before discharge, whichever is earlier; at least 48 hours before admission for a planned hospitalisation.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours before admission","note":"Reimbursement documents for hospitalisation, day care and pre-hospitalisation: within thirty days of discharge. Delay may be condoned on merit for reasons beyond the insured person's control. The post-hospitalisation time limit is unreadable in the PDF text.","quote":"i. Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. ... ii. At least 48 hours prior to admission in Hospital in case of a planned Hospitalization. ... Reimbursement of hospitalization, day care and pre-hospitalization expenses | Within thirty days of date of discharge from hospital ... condoned on merit where delay is proved to be for reasons beyond the control of the Insured Person","sources":[{"clause":null,"heading":"1RWL¿FDWLRQRI&ODLP","page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-1rwlfdwlrqri-odlp"},{"clause":"4.2(b)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-vi"},{"clause":null,"heading":"2. Procedure for reimbursement of claims","page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-2-procedure-for-reimbursement-of-claims"}],"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","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient","Investigation/Diagnostic test reports supported by the prescription from attending medical practitioner","Sticker/invoices of the Implants, wherever applicable","MLR and FIR, wherever applicable","NEFT Details and cancelled cheque","KYC of the proposer, where claim liability is above Rs 1 Lakh","Any other relevant document required by Company/TPA"],"display":"Claim form, ID proof, prescription, itemised bills, receipts, discharge summary, test reports and others","note":"The list also has an item on the operation performed (for surgical cases) and one more item whose words are unreadable in the PDF text.","quote":"i. Duly Completed claim form. ... ii. Photo Identity proof of the patient ... iii. Medical practitioner's prescription advising admission. ... iv. Original bills with itemized break-up ... v. Payment receipts ... vi) Discharge summary including complete medical history of the patient along with other details. vii.Investigation/Diagnostic test reports etc supported by the prescription from attending medical practitioner ... viii.Sticker/invoices of the Implants, wherever applicable. ... ix. MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable. ... x. NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque. ... xi. KYC (Identity proof with Address) of the proposer, where claim liability is above `1 Lakh as per AML Guidelines ... Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":null,"heading":"1RWL¿FDWLRQRI&ODLP","page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-1rwlfdwlrqri-odlp"},{"clause":"4.2(b)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-vi"},{"clause":"13","heading":null,"page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-13"}],"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":"Within 15 days of receiving the necessary claim documents (other than cashless); interest at 2% above bank rate if payment is delayed.","display":"15 days from submission of necessary claim documents","note":"Cashless: pre-authorisation within 1 hour of the last complete document (CIS); the Company accepts or declines additional expenses at discharge within 3 hours of the complete documents (wording).","quote":"a) 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. ... 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 ... TAT for pre-authorization of cashless facility - within 1 hour from the last complete document. ... Company shall accept or decline such additional expenses within 3 (Three) hours of receiving the complete documents","sources":[{"clause":"4.2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-10"},{"clause":"4.2(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-9"},{"clause":null,"heading":"E 5HYLVLRQDQG0RGL¿FDWLRQRIWKH3ROLF\\3URGXFW","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-e-5hylvlrqdqg0rglfdwlrqriwkh3rolf-3urgxfw"},{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"}],"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 diseases until 36 months of continuous cover (24 months for the pre-existing disability)","Any illness in the first 30 days, except accidents","Listed conditions and surgeries until 24 months of continuous cover","Admission primarily for diagnostics and evaluation","Admission primarily for enforced bed rest, custodial care","Cosmetic or plastic surgery unless for reconstruction after accident, burns or cancer","Treatment due to participation as a professional in hazardous or adventure sports","Alcoholism, drug or substance abuse","Sterility and infertility","Childbirth expenses (except ectopic pregnancy), miscarriage and termination of pregnancy","Any medical treatment taken outside India","Hospitalization for donation of any body organs by an Insured","Outpatient treatment and Domiciliary hospitalization","Anti-Retroviral Treatment","Reconstructive/cosmetic/prosthesis or devices used at home for the existing disability"],"display":"Pre-existing diseases for 36 months (24 for the disability), first 30 days, listed conditions for 24 months, maternity, treatment outside India, OPD, anti-retroviral treatment and others","note":"The 30-day exclusion does not apply with more than twelve months of continuous coverage. The full list of permanent exclusions is under permanent_exclusions.","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 for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability ... 30 days for all claims except resulting from Accident ... This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months. ... Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 24 months ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Custodial care either at home or in a nursing facility ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. ... 1. Any medical treatment taken outside India. ... 2. Hospitalization for donation of any body organs by an Insured including complications arising from the donation of organs. ... Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered. ... This cover will exclude cost for any Anti-Retroviral Treatment. ... Any reconstructive/Cosmetic/prosthesis/external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living are/is excluded from the policy.","sources":[{"clause":"4.2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-2"},{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"},{"clause":"4.2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-3"},{"clause":"4.2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-4"},{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-5"},{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-6"},{"clause":"4.2(b)(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-iv"},{"clause":null,"heading":"6WHULOLW\\DQG,QIHUWLOLW\\&RGH([FO","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6whulolw-dqg-qihuwlolw-rgh-fo"},{"clause":null,"heading":"6SHFL¿F([FOXVLRQV","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-foxvlrqv"},{"clause":"4.2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-4"},{"clause":null,"heading":"6SHFL¿F&RQGLWLRQDSSOLFDEOHIRUSHUVRQVZLWK","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqdssolfdeohirushuvrqvzlwk"},{"clause":null,"heading":"6SHFL¿F&RQGLWLRQVDSSOLFDEOHIRUSHUVRQVZLWK","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqvdssolfdeohirushuvrqvzlwk"}],"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":"Contact ManipalCigna customer care (customercare@manipalcigna.com, toll free 1800-102-4462) or any branch grievance cell; if not satisfied, the Grievance Cell / grievance officer at headcustomercare@manipalcigna.com; then the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"ManipalCigna customer care (customercare@manipalcigna.com, 1800-102-4462), then the Grievance Cell (headcustomercare@manipalcigna.com)","note":"CIS lists levels: Health Relationship Managers (headcustomercare@manipalcigna.com), Grievance Redressal Officer (complaints@manipalcigna.com), Chief Grievance Redressal (Complaince@manipalcigna.com), then the Ombudsman. The Ombudsman can also be approached if a complaint is open for more than 30 days.","quote":"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 ... Insured Person may also approach the grievance cell at any of company’s branches with the details of the grievance. ... ‘The Grievance Cell, ManipalCigna Health Insurance Company Limited, Techweb center 2nd Floor New Link Rd, Anand Nagar, Jogeshwari West, Mumbai, Maharashtra 400102, India or Email - headcustomercare@manipalcigna.com. ... Insurance Ombudsman of the respective area/ region for redressal of grievance as per Insurance Ombudsman Rules 2017. ... Grievance may also be lodged at IRDAI complaints management system - https://bimabharosa.irdai. gov.in/ You may also approach the Insurance Ombudsman if your complaint is open for more than 30 days from ... Email us at: headcustomercare@manipalcigna.com ... Email us at: complaints@manipalcigna.com ... Email us at: Complaince@manipalcigna.com","sources":[{"clause":null,"heading":"5HGUHVVDORI*ULHYDQFH","page":15,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-5hguhvvdori-ulhydqfh"},{"clause":null,"heading":"Level 1","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-level-1"},{"clause":null,"heading":"LEVEL 2","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-level-2"},{"clause":null,"heading":"LEVEL 3","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-level-3"}],"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":"Rs 4 lacs or Rs 5 lacs, per individual.","display":"Rs 4 lacs and Rs 5 lacs","note":null,"quote":"`4 lacs and `5 lacs ... On Individual basis - Sum insured shall apply to each individual member","sources":[{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"}],"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":"Not for accidents; not applied with more than twelve months of continuous coverage; applies afresh to an enhanced sum insured. HIV/AIDS cover also carries a 30-day initial waiting period.","quote":"30 days for all claims except resulting from Accident ... This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months. ... The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently. ... Initial waiting period of 30 days will be applicable for Indemnity basis cover","sources":[{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"},{"clause":"4.2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-3"},{"clause":"4.2(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-3"}],"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":36},"display":"36 months (24 months for pre-existing disability)","note":"24 months for the pre-existing disability covered. HIV/AIDS is outside the 36-month rule. Only PEDs declared and accepted are covered; reduced by prior continuous cover under the portability norms.","quote":"excluded until the expiry of 24 months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability(as mentioned in Policy Schedule) of continuous coverage ... then waiting period for the same would be reduced to the extent of prior coverage. ... Only PEDs declared in the Proposal Form and accepted for coverage by the company shall be covered.","sources":[{"clause":"4.2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-2"},{"clause":"4.2(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-2"},{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"}],"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":"Single tier; not applied to claims arising from an accident. Applies afresh to any increase in sum insured.","quote":"a) Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 24 months as (mentioned in Policy Schedule) of continuous coverage ... shall not be applicable for claims arising due to an accident. ... 24 Months waiting period","sources":[{"clause":"4.2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-4"},{"clause":"7(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-7-b-i"}],"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":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age-related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non-Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy","Varicose Veins and Varicose Ulcers"],"display":"Hernia, cataract, hysterectomy, benign tumours, joint and spine conditions, piles, stones, varicose veins and others","note":null,"quote":"Benign ENT disorders ... Tonsillectomy ... Adenoidectomy ... Mastoidectomy ... Tympanoplasty ... Hysterectomy ... All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps. ... Benign prostate hypertrophy ... Cataract and age-related eye ailments ... Gastric/ Duodenal Ulcer ... Gout and Rheumatism ... Hernia of all types ... Hydrocele ... Non-Infective Arthritis ... Piles, Fissures and Fistula in anus ... Pilonidal sinus, Sinusitis and related disorders ... Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident. ... Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy. ... Varicose Veins and Varicose Ulcers","sources":[{"clause":"4.2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-4"}],"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 date of enhancement on the enhanced limit only.","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, misrepresentation, except on grounds of established fraud.","sources":[{"clause":null,"heading":"0RUDWRULXP3HULRG","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-0rudwrulxp3hulrg"}],"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 policy can be ported to the same product of other insurers; waiting periods are reduced by the years of prior continuous cover, up to the previous sum insured and accrued bonus.","display":"Yes, to the same product of other insurers, with waiting-period credit","note":"CIS: request 30 days before the renewal date. Migration within ManipalCigna is allowed only on withdrawal of the product.","quote":"The Insured Person will have the option to port the Policy to same product of other insurers as per extant Guidelines related to portability ... reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy. ... sum of previous sum insured and accrued bonus ... Customer can share for portability of the policy 30 days prior to the renewal date ... iii. Migration under this product shall be allowed only due to withdrawal of the product subject to IRDAI Regulations","sources":[{"clause":null,"heading":"3RUWDELOLW\\","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3ruwdelolw"},{"clause":null,"heading":"LEVEL 3","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-level-3"},{"clause":null,"heading":"0LJUDWLRQ","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-0ljudwlrq"}],"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":"not-stated","value":null,"display":null,"note":"The policy 'shall ordinarily be renewable except on grounds of established fraud, misrepresentation, non-disclosure'; no maximum renewal age is printed, but lifelong renewal is not stated in words.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"Renewal cannot be denied because of claims, but the documents do not say whether the premium can be loaded for claims. Premium depends on sum insured, age and pre-existing HIV/AIDS or disability.","quote":null,"sources":[],"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 and 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","Treatments received in heath hydros, nature cure clinics, spas","Dietary supplements and substances that can be purchased without prescription","Refractive error less than 7.5 dioptres","Unproven treatments","Sterility and infertility","Maternity (childbirth, miscarriage, termination of pregnancy)","Any medical treatment taken outside India","Hospitalization for donation of any body organs by an Insured","Nuclear damage","War, invasion, civil war and similar perils","Circumcision unless necessary for treatment","Alternative medicines and experimental treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy and aromatherapy","Suicide, Intentional self-injury","Vaccination or inoculation except post bite treatment","Convalescence, general debility, rest cure, Congenital external illness","Outpatient treatment, hormone replacement therapy and Domiciliary hospitalization","Dental treatment unless requiring Hospitalization after accidental Bodily Injury","Venereal/ Sexually Transmitted disease (excluding HIV/AIDS)","Stem cell storage","Service charge, surcharge levied by the hospital","Personal comfort and convenience items","Non-Payable items under List-I of Annexure-II","Treatment not medically necessary or not performed by a Medical Practitioner","Anti-Retroviral Treatment","Reconstructive/cosmetic/prosthesis or devices used at home for the existing disability"],"display":"Standard exclusions (investigation, rest cure, obesity, gender change, cosmetic, sports, alcohol, infertility, maternity...) plus treatment outside India, organ donation, OPD, dental, anti-retroviral treatment and others","note":"The Excl codes are garbled in the wording headings; the prospectus prints them. Obesity surgery is excluded only when the listed clinical conditions (BMI 40, or 35 with co-morbidities) are not met; sex reassignment surgery for transgender persons is not excluded.","quote":"Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Excl06 Obesity/Weight Control ... greater than or equal to 40 or ... greater than or equal to 35 in conjunction with any of the following severe co-morbidities ... Excl07 Change of Gender treatments ... except for sex reassignment surgery for transgender persons. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres. ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. ... 1. Any medical treatment taken outside India. ... 2. Hospitalization for donation of any body organs by an Insured including complications arising from the donation of organs. ... 3. Nuclear damage caused by, contributed to, by or arising from ionizing radiation or contamination by radioactivity ... 4. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war ... 6. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder ... 7. Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath ... 8. Suicide, Intentional self-injury ... 9. Vaccination or inoculation except as post bite treatment for animal bite. ... 10.Convalescence, general debility, “Run-down” condition, rest cure, Congenital external illness/ disease/defect. ... 11.Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered. ... 12.Dental treatment or Surgery of any kind unless requiring Hospitalization as a result of accidental Bodily Injury. ... 13.Venereal/ Sexually Transmitted disease (excluding HIV/AIDS) ... 14.Stem cell storage. ... 15.Any kind of service charge, surcharge levied by the hospital. ... 16.Personal comfort and convenience items or services ... 17.Non-Payable items: The expenses that are not covered in this Policy are placed under List-I of Annexure-II ... 18.Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner. ... This cover will exclude cost for any Anti-Retroviral Treatment. ... Any reconstructive/Cosmetic/prosthesis/external or internal device implanted/ used at home for the purpose of treatment of existing disability ... 22. Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy, ... aromatherapy.","sources":[{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-5"},{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-6"},{"clause":"Excl06","heading":"Obesity/Weight Control (Code - Excl 06)","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-excl06"},{"clause":"Excl07","heading":"Change of Gender treatments (Code - Excl 07)","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-excl07"},{"clause":"4.2(b)(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-iv"},{"clause":null,"heading":"5HIUDFWLYH(UURU&RGH([FO","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-5hiudfwlyh-uuru-rgh-fo"},{"clause":null,"heading":"8QSURYHQ7UHDWPHQWV&RGH([FO","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-8qsuryhq7uhdwphqwv-rgh-fo"},{"clause":null,"heading":"6WHULOLW\\DQG,QIHUWLOLW\\&RGH([FO","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6whulolw-dqg-qihuwlolw-rgh-fo"},{"clause":null,"heading":"6SHFL¿F([FOXVLRQV","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-foxvlrqv"},{"clause":"4.2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-4"},{"clause":null,"heading":"6SHFL¿F&RQGLWLRQDSSOLFDEOHIRUSHUVRQVZLWK","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqdssolfdeohirushuvrqvzlwk"},{"clause":null,"heading":"6SHFL¿F&RQGLWLRQVDSSOLFDEOHIRUSHUVRQVZLWK","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqvdssolfdeohirushuvrqvzlwk"},{"clause":"Excl12(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-excl12-a"},{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"}],"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":"On 7 days' written notice: if no claim was made, a proportionate refund for the unexpired days; if a claim was made, no refund. No refund if the insurer cancels for misrepresentation, non-disclosure or fraud.","display":"Pro-rata refund for unexpired days if no claim; nothing if a claim was made","note":"The insurer may cancel on 15 days' written notice for misrepresentation, non-disclosure or fraud.","quote":"The Insured may cancel this Policy by giving 7 days' written notice ... a) 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. ... b) If a claim has been made during the Policy period, no refund will be given to the Policyholder. ... There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud. ... 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.","sources":[{"clause":"4.2(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-11"},{"clause":"4.2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-a-11"},{"clause":"4.2(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-10"}],"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: medical treatment taken outside India is excluded.","display":"India only","note":null,"quote":"1. Any medical treatment taken outside India.","sources":[{"clause":null,"heading":"6SHFL¿F([FOXVLRQV","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-foxvlrqv"}],"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 porting. Refund less proportionate risk premium, medical examination and stamp duty costs, within 7 days of the request.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. ... the insured shall be entitled to a refund of the premium paid 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.","sources":[{"clause":null,"heading":"3RVVLELOLW\\ RI 5HYLVLRQ RI WHUPV RI WKH 3ROLF\\","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3rvvlelolw-ri-5hylvlrq-ri-whupv-ri-wkh-3rolf"}],"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 payment)","note":"15 days for monthly mode; 30 days for half-yearly and quarterly, and thirty days in all other cases (yearly) per the definition. The benefit-table grace row has its figures lost in the PDF text.","quote":"i. Grace Period of 30 days would be given for. Halfyearly and Quarterly mode of payment and grace period of 15 days for monthly mode of payment would be given to pay the instalment premium due for the Policy. ... monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"3UHPLXP3D\\PHQWLQ,QVWDOPHQWV","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3uhplxp3d-phqwlq-qvwdophqwv"},{"clause":"Row 1(a)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-a-iv"}],"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":"Adults 18 to 65 years; children from newborn (0 days) to 17 years. The policy is designed for persons with disability (not less than forty percent of a specified disability) and has an HIV/AIDS cover.","display":"Adults 18 to 65 years; children 0 days to 17 years","note":"Children are covered only if a parent is the proposer. The eligibility clause naming individuals with HIV/AIDS is unreadable in the PDF text.","quote":"This policy is specially designed for. A) Covering Persons with Disability as per The Rights of Persons with Disabilities Act, 2016 ... Disability for the purpose of this policy means a person with not less than forty percent of a ... Age eligibility for adults: 18 years to 65 years Age eligibility for Children: Newborn (0 days) to 17 years ... For HIV/AIDS cover: ... Children will only be covered if one of the parents is the proposer.","sources":[{"clause":"1","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-1"},{"clause":"Row 1(b)","heading":"Disability for the purpose of this policy","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-b"},{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"},{"clause":"7(l)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-7-l-i"}],"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":["Yearly","Half yearly","Quarterly","Monthly"],"display":"Yearly, half-yearly, quarterly, monthly","note":"Loading on premium: monthly 5.5%, quarterly 3.5%, half-yearly 2.5%. Mode can be changed only at a policy anniversary.","quote":"Premium can be paid on Yearly, Half yearly, Quarterly or Monthly basis. ... Monthly | 5.5% ... Quarterly | 3.5% ... Half yearly | 2.5% ... The premium payment mode can be changed only on a policy anniversary","sources":[{"clause":"7(l)(iv)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-7-l-iv"}],"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":"not-stated","value":null,"display":null,"note":"No optional covers are described. The prospectus mentions an employee discount of 10%, which is not a cover.","quote":null,"sources":[],"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":"Yes for instalment payers: cover is available during the grace period. For other cases, the definition says coverage need not be available for the period for which no premium is received.","display":"Yes, for instalment premiums","note":null,"quote":"ii. If the premium is paid in instalments during the Policy Period, coverage will be available during such Grace Period. ... Coverage need not be available during the period for which no premium is received.","sources":[{"clause":null,"heading":"3UHPLXP3D\\PHQWLQ,QVWDOPHQWV","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3uhplxp3d-phqwlq-qvwdophqwv"},{"clause":"Row 1(a)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-a-iv"}],"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":"Up to 1% of the sum insured per day for room rent, boarding and nursing.","display":"1% of sum insured per day","note":"A higher room category leads to proportionate deduction of associated medical expenses.","quote":"i) Room Rent, Boarding, Nursing Expenses as provided by the Hospital/Nursing Home up to maximum of 1% of the Sum Insured per day. ... Policyholder/Insured Person shall bear a ratable proportion of the total Associated Medical Expenses","sources":[{"clause":"Row 1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-c-2"},{"clause":null,"heading":"2WKHUH[SHQVHV","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-2wkhuh-shqvhv"}],"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":"not-stated","value":null,"display":null,"note":"The limit is a rupee amount (1% of sum insured per day), not a room type.","quote":null,"sources":[],"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":"Up to 2% of the sum insured per day.","display":"2% of sum insured per day","note":null,"quote":"ii) Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU) expenses up maximum of to 2% of Sum Insured per day.","sources":[{"clause":"Row 1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-c-2"}],"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 entitled category, the insured bears a ratable proportion of the total associated medical expenses; pharmacy and consumables, implants and medical devices, and diagnostics are not part of associated medical expenses.","display":"Yes, except pharmacy, consumables, implants and diagnostics","note":null,"quote":"If the Insured Person is admitted in a room category that is higher than the one that is ... Policyholder/Insured Person shall bear a ratable proportion of the total Associated Medical Expenses (including surcharge or taxes thereon) ... Associated Medical Expenses will not include: ... a) Cost of pharmacy and consumables. ... b) Cost of implants and medical devices ... c) Cost of diagnostics","sources":[{"clause":null,"heading":"2WKHUH[SHQVHV","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-2wkhuh-shqvhv"},{"clause":null,"heading":"6SHFL¿F'H¿QLWLRQV","page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-hqlwlrqv"},{"clause":"Row 1(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-a-5"},{"clause":"Row 1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-b-4"},{"clause":"Row 1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-1-c-2"}],"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":"20% of every admissible claim, at all ages.","display":"20% on every claim","note":null,"quote":"Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy.","sources":[{"clause":"4.2(b)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-b-vi"}],"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.","display":"None","note":"From the CIS; the wording prints no deductible.","quote":"4. Deductible - Not Applicable","sources":[{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"}],"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":["Cataract: Rs 40,000 per eye per policy year","Listed modern treatments: 50% of sum insured"],"display":"Cataract Rs 40,000 per eye per year; modern treatments 50% of sum insured","note":"Modern treatment cap conflicts: wording and CIS say 50% of sum insured, the prospectus benefit table says 'up to 100% of sum insured' (see modern_treatments).","quote":"The company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of a40,000/-, per each eye in one policy year. ... Up to 40,000/- per each eye in one policy year ... either as Inpatient or as part of Day Care Treatment in a Hospital up to 50% of Sum ... Covered for listed procedures up to 100% of sum insured","sources":[{"clause":"4.2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2"},{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"},{"clause":null,"heading":"0RGHUQ7UHDWPHQW","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-0rghuq7uhdwphqw"},{"clause":null,"heading":"9,,:KDWDUHWKHSODQEHQH¿WV\"","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-9-kdwduhwkhsodqehqhwv"}],"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":30},"display":"30 days","note":"Reimbursement only.","quote":"period of 30 days prior to the date of admissible Hospitalization covered under the Policy during the policy period.","sources":[{"clause":null,"heading":"3UH+RVSLWDOL]DWLRQ0HGLFDO([SHQVHV","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3uh-rvslwdol-dwlrq0hglfdo-shqvhv"}],"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":60},"display":"60 days","note":"Reimbursement only.","quote":"period of 60 days from the date of discharge from the Hospital, following an admissible hospitalization covered under the Policy during the policy period.","sources":[{"clause":null,"heading":"3RVW+RVSLWDOL]DWLRQ0HGLFDO([SHQVHV","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3rvw-rvslwdol-dwlrq0hglfdo-shqvhv"}],"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 are covered; the policy attaches an indicative list.","display":"All day care treatments","note":null,"quote":"iv. All day care treatments","sources":[{"clause":null,"heading":"2WKHUH[SHQVHV","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-2wkhuh-shqvhv"}],"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":"Not covered.","display":"Not covered","note":null,"quote":"expenses related to Domiciliary hospitalization shall not be covered.","sources":[{"clause":"4.2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-4"}],"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":"Inpatient AYUSH treatment in an AYUSH Hospital is covered up to 100% of the sum insured per policy year.","display":"Covered in-patient, up to 100% of sum insured","note":"The percentage is lost in the wording and prospectus PDF text; the 100% figure is from the CIS. The prospectus says 'Inpatient care/day care treatment'.","quote":"The Company shall indemnify medical expenses incurred for Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each ... in the policy schedule in any AYUSH Hospital. ... Homeopathy systems of medicines during each Policy Year up to 100% of sum insured. ... Inpatient care/day care treatment under Ayurveda","sources":[{"clause":null,"heading":"2WKHUH[SHQVHV","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-2wkhuh-shqvhv"},{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"},{"clause":"2","heading":"AYUSH Treatment","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-2"}],"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":"conflicting","value":"Listed procedures, including robotic surgeries, oral chemotherapy, immunotherapy and stem cell therapy, are covered as inpatient or day care up to 50% of the sum insured.","display":"Covered up to 50% of sum insured","note":"Prospectus benefit table says: 'Covered for listed procedures up to 100% of sum insured'. The wording (clause and benefit table) and the CIS say 50%; the figure in the prospectus clause is lost in the PDF text.","quote":"either as Inpatient or as part of Day Care Treatment in a Hospital up to 50% of Sum ... d) Oral chemotherapy ... e) Immunotherapy-Monoclonal Antibody to be given as injection. ... g) Robotic surgeries ... l) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. ... Covered for listed procedures up to 50% of sum insured available for Inpatient Hospitalization Care ... Modern Treatment | Covered for listed procedures up to 100% of sum insured available for Inpatient Hospitalization Care ... Modern treatments methods and Advancements in technology - Up to 50% of the Sum Insured","sources":[{"clause":null,"heading":"0RGHUQ7UHDWPHQW","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-0rghuq7uhdwphqw"},{"clause":"4.2(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-d"},{"clause":"4.2(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-e"},{"clause":"4.2(g)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-g"},{"clause":"4.2(l)","heading":"Stem cell therapy","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-l"},{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"},{"clause":null,"heading":"9,,:KDWDUHWKHSODQEHQH¿WV\"","page":14,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359#c-9-kdwduhwkhsodqehqhwv"},{"clause":null,"heading":"SECUREHEALTH, MANIPALCIGNA CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360#c-securehealth-manipalcigna-customer-information-s-2"}],"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":"not-stated","value":null,"display":null,"note":"Donor expenses for a transplant to the insured are not addressed. Hospitalisation of the insured for donating an organ is excluded.","quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance up to Rs 2,000 per hospitalisation, in an emergency, linked to an accepted inpatient claim.","display":"Road ambulance up to Rs 2,000 per hospitalisation","note":"Air ambulance is not mentioned.","quote":"The medical condition of the Insured Person requires immediate ambulance services ... ii. Expenses incurred on road Ambulance subject to a maximum of 2000/- per hospitalization. ... The Company has accepted a claim under Section 4.1 (Inpatient Care) above in respect of the same period of Hospitalization","sources":[{"clause":null,"heading":"6SHFL¿F&RQGLWLRQV","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqv"}],"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":"not-stated","value":null,"display":null,"note":"No restoration of sum insured is described.","quote":null,"sources":[],"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":"No no-claim bonus is described.","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 covered: items such as gloves are in the list of non-payable items.","display":"Not covered (non-payable list)","note":"Gloves sit in the first numbered list (items 1 to 68) of the non-medical expenses annexure; the list headings are unreadable in the PDF text.","quote":"17.Non-Payable items: The expenses that are not covered in this Policy are placed under List-I of Annexure-II ... 56 | GLOVES","sources":[{"clause":"4.2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-4"},{"clause":"Row 8","heading":"EMAIL/INTERNET CHARGES","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-row-8"}],"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 expenses, miscarriage and termination of pregnancy are excluded, except ectopic pregnancy.","display":"Not covered (ectopic pregnancy excepted)","note":null,"quote":"i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. ... ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":null,"heading":"6WHULOLW\\DQG,QIHUWLOLW\\&RGH([FO","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6whulolw-dqg-qihuwlolw-rgh-fo"}],"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":"No automatic newborn cover is described. A child can be enrolled as an insured from newborn (0 days) if a parent is the proposer and the child meets the disability or HIV/AIDS eligibility.","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":"Mental Illness is one of the conditions the policy covers persons for; in-patient hospitalisation for the pre-existing disability covered is paid after a 24-month waiting period.","display":"Covered in-patient; 24-month wait if it is the pre-existing disability","note":"No separate mental illness benefit or limit; in-patient cover follows the policy terms, 20% co-pay and sub-limits.","quote":"Covering Persons with Disability as per The Rights of Persons with Disabilities Act, 2016 and The Mental Healthcare Act, 2017. The cover under this policy is available for persons with the following ... 15. | Mental Illness ... The Company will indemnify reasonable and customary charges for medical expenses incurred towards Inpatient Hospitalization arising due to the pre-existing disability covered ... i) Any treatment for the pre-existing disability covered, will have a waiting period of 24 months","sources":[{"clause":"1","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-1"},{"clause":"2","heading":"Operative clause","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-2"},{"clause":null,"heading":"6SHFL¿F&RQGLWLRQVDSSOLFDEOHIRUSHUVRQVZLWK","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6shflf-rqglwlrqvdssolfdeohirushuvrqvzlwk"}],"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":"not-stated","value":null,"display":null,"note":"No preventive health check-up benefit. The pre-policy medical check-up at entry is an underwriting step, not a benefit.","quote":null,"sources":[],"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: outpatient treatment is excluded.","display":"Not covered","note":null,"quote":"11.Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered.","sources":[{"clause":"4.2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-4-2-c-4"}],"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":"not-stated","value":null,"display":null,"note":"No zone is mentioned. The prospectus says premium depends on sum insured, age and pre-existing HIV/AIDS/disability, and the 20% co-pay applies to every claim.","quote":null,"sources":[],"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 providers or common empanelment hospitals, subject to pre-authorisation by the Company or its TPA. Pre- and post-hospitalisation are reimbursement only.","display":"Yes, at network hospitals with pre-authorisation","note":null,"quote":"i. Treatment may be taken in a network provider or common empanelment of hospital/healthcare ... subject to preauthorization by the Company or its authorized TPA, ... Pre-hospitalization Medical Expenses can be claimed under this Section on a Reimbursement basis only. ... Post-hospitalization Medical Expenses can be claimed under this Section on a Reimbursement basis only.","sources":[{"clause":null,"heading":"E 5HYLVLRQDQG0RGL¿FDWLRQRIWKH3ROLF\\3URGXFW","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-e-5hylvlrqdqg0rglfdwlrqriwkh3rolf-3urgxfw"},{"clause":null,"heading":"3UH+RVSLWDOL]DWLRQ0HGLFDO([SHQVHV","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3uh-rvslwdol-dwlrq0hglfdo-shqvhv"},{"clause":null,"heading":"3RVW+RVSLWDOL]DWLRQ0HGLFDO([SHQVHV","page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-3rvw-rvslwdol-dwlrq0hglfdo-shqvhv"}],"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":"A third-party administrator (TPA) processes cashless and reimbursement claims; claim settlement and rejection stay with the Company.","display":"TPA processes claims; insurer decides","note":null,"quote":"Cashless and Reimbursement Claim processing and access to network hospitals is through our service partner/TPA ... i. Claim settlement and claim rejection.","sources":[{"clause":null,"heading":"6HUYLFHV2ႇHUHGE\\73$","page":18,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-6huylfhv2huhge-73"}],"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":false,"display":"No, individual sum insured only","note":null,"quote":"Individual basis only ... On Individual basis - Sum insured shall apply to each individual member","sources":[{"clause":null,"heading":"7DEOHRIEHQH¿WV","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358#c-7deohriehqhwv"}],"law":[]}],"documents":[{"kind":"wording","label":"SecureHealth Policy Terms & Conditions","pages":31,"fetched_at":"2026-10-19 17:10:38.162614+00","source_url":"https://www.manipalcigna.com/documents/20124/0/SecureHealth-TnC/34f5982f-2e16-bb69-8a05-48eeb9c4c6e3?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/358"},{"kind":"prospectus","label":"SecureHealth Policy Prospectus","pages":15,"fetched_at":"2026-10-19 17:10:38.162614+00","source_url":"https://www.manipalcigna.com/documents/20124/0/SecureHealth-Prospectus/2fc4240c-2805-5bbb-77fc-da2b100ce960?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/359"},{"kind":"cis","label":"SecureHealth Policy CIS","pages":9,"fetched_at":"2026-10-19 17:10:38.162614+00","source_url":"https://www.manipalcigna.com/documents/20124/0/SecureHealth-CIS/dc0f4e27-64ce-6449-a599-652cd0391bf0?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/360"},{"kind":"benefit-illustration","label":"SecureHealth Policy Annexure to CIS","pages":1,"fetched_at":"2026-10-17 19:50:43+00","source_url":"https://www.manipalcigna.com/documents/20124/0/SecureHealth-Annexure-CIS-Benefit-Illustration/182b14df-f1ed-0382-58f3-c47c3091d8ef?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223/document/12754"}],"versions":[],"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":"SecureHealth Policy (UIN MCIHLIP23194V012223), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/securehealth-policy-mcihlip23194v012223"}