{"uin":"MCIHLIP26038V022526","name":"ManipalCigna Sarvah","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526","insurer":{"slug":"manipal-cigna-health-insurance","name":"Manipal Cigna Health Insurance Company Limited","url":"https://indiainsurances.com/insurer/manipal-cigna-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ManipalCigna Sarvah Uttam is an individual or family floater health indemnity policy, India only, with Base Sum Insured from ₹5 Lacs to ₹300 Lacs, rooms up to a Single Private AC Room and 90 days pre and 180 days post hospitalisation cover. Waiting periods are 30 days initial, 24 months for listed illnesses and 36 months for pre-existing diseases, while restoration, the Gullak bonus, maternity, health check-ups and personal accident cover are optional covers.","analysis":{"state":"extracted","analysed_at":"2026-10-19 17:10:39.010934+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Uttam"],"display":"Uttam","note":"The wording, prospectus and CIS read here are all for the Uttam plan and name no other plan.","quote":"Identify your Plan | ManipalCigna Sarvah - Uttam","sources":[{"clause":null,"heading":"Ombudsman","page":61,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-ombudsman"}],"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":"1, 2 or 3 years, renewable for life.","display":"1, 2 or 3 years","note":"Policy period options are printed in the prospectus; the wording refers to 1, 2 and 3 year tenures in its cancellation and wellness clauses.","quote":"You can buy the policy for 1, 2 or 3 continuous years at the option of the Insured. ... The Policy is ordinarily renewable on mutual consent for life","sources":[{"clause":null,"heading":"3. Policy Period option","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/365#c-3-policy-period-option"},{"clause":null,"heading":"F. II . 8 Renewal Terms","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-8-renewal-terms"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Planned hospitalisation: at least 48 hours before admission. Emergency hospitalisation: within 24 hours of admission.","display":"48 hours before a planned admission; within 24 hours of an emergency admission","note":"A stay beyond 10 days not intimated within 10 days of admission may attract an extra 10% co-payment. Temporary Total Disablement claims (optional cover) must be intimated within 14 days of the injury. Live donor transplants: inform at least 7 days in advance; cadaveric transplants no later than 48 hours from admission.","quote":"Planned Hospitalization- You/the Insured Person must intimate such admission at least 48 hours prior to the planned date of admission. ... Emergency Hospitalization- You/the Insured Person must intimate such admission within 24 hours of such admission. ... If we do not receive intimation within 10 days from the date of admission, we may apply an additional cumulative co-payment of 10% on the final admissible claim amount. ... All claims under this benefit must be intimated to Us within the 14 days post the date of Accidental Injury leading to a claim under this benefit ... For live donor organ transplants, we kindly request that you inform us at least 7 days in advance","sources":[{"clause":null,"heading":"G.I.3 Claim Intimation","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-g-i-3-claim-intimation"},{"clause":"4(a)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-9"},{"clause":null,"heading":"Specific Conditions applicable to Temporary Total Disablement","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-specific-conditions-applicable-to-temporary-tota"},{"clause":"4(a)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-10"}],"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":["Claim form duly signed","Copy of photo ID of patient","KYC documents of the policyholder (photo ID, address proof, recent passport size photograph)","Cancelled cheque for NEFT payment of the policyholder","Payment receipt","Hospital discharge summary","Operation theatre notes/ICP papers","Hospital main bill and break up bill","Investigation reports, X Ray, MRI, CT films, HPE, ECG","Doctors reference slip for investigation","Pharmacy bills, prescription and invoices","Copy of FIR/Panchnama/Police Inquest Report in case of accident"],"display":"Signed claim form, ID and KYC, cancelled cheque, payment receipt, discharge summary, bills, reports and prescriptions; FIR for accidents","note":"Reimbursement documents are due within 15 days of discharge (originals, except attested photocopies where a deductible applies). Extra documents are listed for pre/post hospitalisation, ambulance, maternity, domiciliary, accident and air ambulance claims.","quote":"• Claim form duly signed • Copy of photo ID of patient • KYC documents of Policyholde (Photo ID proof, address proof, recent passport size photograph) • Cancelled cheque for NEFT payment of Policyholder • Payment receipt ... • Hospital Discharge summary • Operation Theatre notes/ICP papers • Hospital Main Bill • Hospital Break up bill • Investigation reports • Original investigation reports, X Ray, MRI, CT films, HPE, ECG etc. • Doctors reference slip for investigation • Pharmacy bills, prescription and invoices • Copy of FIR/Panchnama/ Police Inquest Report (if conducted) duly attested by the concerned Police Station in case of Accident. ... no later than 15 days from the date of discharge from the Hospital","sources":[{"clause":"4(a)","heading":null,"page":57,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-15"},{"clause":"Row 1","heading":"In-Patient Hospitalization","page":57,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-1-2"},{"clause":"4(a)(i)","heading":null,"page":57,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-i-2"}],"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":"Reimbursement claims are settled or rejected within 15 days from submission of the necessary claim documents; interest at 2% above bank rate for delay. Cashless authorisation within 1 hour of request, final discharge authorisation within 3 hours.","display":"15 days from the last necessary document (cashless: 1 hour pre-authorisation, 3 hours at discharge)","note":null,"quote":"The Company shall settle or reject the claim, as the case may be, within 15 days (other than cashless) from date of submission of necessary claim documents. ... the Company shall be liable to pay interest to the policyholder from date of submission of necessary claim documents to the date of payment of claim at a rate 2% above the bank rate. ... All authorizations will be issued within a period of 1 (One) hour from the receipt of request. ... We shall accept or decline such additional expenses within 3 (Three) hours of receipt of request for final discharge from Network provider.","sources":[{"clause":"4(b)(i)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-i"},{"clause":"4(b)(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-ii"},{"clause":"4(a)(v)","heading":null,"page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-v"},{"clause":"4(a)(vii)","heading":null,"page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-vii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 36 months of continuous cover","Listed diseases and procedures for 24 months (36 months if the extension option is chosen)","Any illness in the first 30 days, except accidents","Admission primarily for diagnostics and evaluation","Rest cure, rehabilitation and respite care","Cosmetic or plastic surgery, unless reconstruction after accident, burns or cancer","Treatment needed from professional participation in hazardous or adventure sports","Alcoholism, drug or substance abuse","Sterility and infertility","Maternity expenses (unless the optional maternity cover is bought)","Dental treatment unless necessitated by an accident with 24 hours hospitalisation","Treatment received outside India","Out patient treatment expenses","Multi-focal lenses and Femto laser assisted surgeries for cataract","Treatments or medicines not approved by CDSCO or other Indian authorities, or used off-label"],"display":"Waiting periods for pre-existing and listed diseases, standard exclusions, OPD, treatment abroad, premium cataract lenses, off-label drugs","note":"The full lists are under permanent_exclusions and specific_waiting_list. Section E does not apply to the optional Personal Accident and Temporary Total Disablement covers, which carry their own exclusions.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (36 months in case ‘Extension of Specific Disease Waiting Period’ is opted) ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... E.I.5 Rest Cure, rehabilitation and respite care-Code-Excl 05 ... 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 ... E.I.12 Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to sterility and infertility. ... E.I.18 Maternity: Code-Excl 18 ... Exclusion E.I.18 (maternity related exclusion) shall not apply to the extent of coverage provided through this optional cover ... E.II.2 Dental Treatment, orthodontic treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... E.II.8 Treatment received outside the geographical limits of India. ... E.II.18 Out patient treatment expenses. ... E.II.16 Expenses incurred towards all types of Multi-focal Lenses, Multi-focal toric lenses and Femto Laserassisted Surgeries for the treatment of Cataract ... Any treatment, medicine not approved by CDSCO, FDA and other appropriate authorities in India shall not be covered under the policy. ... Treatments or medications used outside their approved purpose (often called “off-label” or extra usage) shall not be covered under the policy","sources":[{"clause":"4(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a"},{"clause":"4(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-2"},{"clause":"4(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-3"},{"clause":"4(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-4"},{"clause":null,"heading":"E.I.5 Rest Cure, rehabilitation and respite care-Code-Excl 05","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-5-rest-cure-rehabilitation-and-respite-care"},{"clause":null,"heading":"Table of Contents","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-table-of-contents"},{"clause":null,"heading":"E.I.17 Sterility and Infertility: Code-Excl 17","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-17-sterility-and-infertility-code-excl-17"},{"clause":null,"heading":"E.I.18 Maternity: Code-Excl 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-18-maternity-code-excl-18"},{"clause":"Row 3(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-3-b-3"},{"clause":null,"heading":"E.II Specific Exclusions E.II.1 Personal Waiting period","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-ii-specific-exclusions-e-ii-1-personal-waiting"},{"clause":"4(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-5"},{"clause":"4(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-8"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First contact ManipalCigna customer care (website, customercare@manipalcigna.com, toll free 1800-102-4462, or any branch grievance cell); if not satisfied, the Grievance Cell grievance officer (headcustomercare@manipalcigna.com), then the Insurance Ombudsman.","display":"ManipalCigna customer care (customercare@manipalcigna.com, 1800-102-4462), then the Grievance Cell officer","note":"The wording gives +91 22 61703600 as the contact number; the prospectus prints +91 22 71781300. The CIS lists Level 1 headcustomercare@manipalcigna.com, Level 2 Grievance Redressal Officer complaints@manipalcigna.com and Level 3 Chief Grievance Redressal Officer Compliance@manipalcigna.com (022-61703600). Senior citizens: seniorcitizensupport@manipalcigna.com.","quote":"Online (Website): www.manipalcigna.com Email: customercare@manipalcigna.com, Senior Citizens may write to us at: seniorcitizensupport@manipalcigna.com Toll Free: 1800-102-4462 ... You may also approach the grievance cell at any of the Company’s branches with the grievance details. If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at, The Grievance Cell, ManipalCigna Health Insurance Company Limited ... Email: headcustomercare@manipalcigna.com ... the Insured Person may also approach the office of Insurance Ombudsman of the respective area/region","sources":[{"clause":null,"heading":"F. I . 16. Redressal of Grievance","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-16-redressal-of-grievance"}],"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":"₹5 Lacs, ₹7.5 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹50 Lacs, ₹100 Lacs, ₹200 Lacs, ₹300 Lacs","display":"₹5 Lacs to ₹300 Lacs","note":"Base Sum Insured per person (individual) or shared (floater). Uttam plan.","quote":"Identify your Opted Sum Insured (in ₹) | ₹5 Lacs, ₹7.5 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹50 Lacs, ₹100 Lacs, ₹200 Lacs, ₹300 Lacs","sources":[{"clause":null,"heading":"Ombudsman","page":61,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-ombudsman"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are covered from day one. Does not apply with continuous prior coverage of more than twelve months; applies afresh to an enhanced Base Sum Insured.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... 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 Base Sum Insured in the event of granting higher Base Sum Insured subsequently.","sources":[{"clause":"4(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-3"},{"clause":"4(b)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-3"},{"clause":"4(c)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-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","note":"With the optional Sarathi or Sarathi 2.0 cover (only at inception), declared and accepted asthma, diabetes, dyslipidemia, obesity and hypertension are covered after 30 days. Applies afresh to an enhanced Base Sum Insured; reduced by prior continuous coverage under portability. A personal waiting period of up to 36 months may also be applied for specific ailments.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Insurer. ... any condition, illness, complication or ailment arising out of the below mentioned pre-existing diseases that have been declared by You and accepted by Us, shall not be subject to the standard Pre-Existing Disease waiting period [Exclusion E.I.1]. Such conditions will be covered after a 30 day waiting period ... In case of enhancement of Base Sum Insured, the exclusion shall apply afresh to the extent of Base Sum Insured increase. ... then waiting period for the same would be reduced to the extent of prior coverage. ... A special Waiting Period, not exceeding 36 months, may be applied to individual Insured Persons for specific medical Ailments","sources":[{"clause":"4(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a"},{"clause":null,"heading":"D.III.8 Sarathi","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-8-sarathi"},{"clause":"4(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b"},{"clause":"4(c)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-c"},{"clause":null,"heading":"E.II Specific Exclusions E.II.1 Personal Waiting period","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-ii-specific-exclusions-e-ii-1-personal-waiting"}],"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":"36 months if the optional Extension of Specific Disease Waiting Period is chosen. Not applicable to accidents. Listed mental illnesses (ICD F05 to F99 codes in the wording) also carry a 24 month wait.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (36 months in case ‘Extension of Specific Disease Waiting Period’ is opted) of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident. ... For the below- mentioned ICD Codes, the Insured Person must have been continuously covered under this Policy for at least 24 months before availing of this benefit.","sources":[{"clause":"4(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-2"},{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Cataract","Endometriosis, dilatation and curettage, hysterectomy for menorrhagia, fibromyoma or prolapse of uterus, myomectomy for fibroids (unless malignancy)","Knee replacement surgery (other than accident)","Non-infectious arthritis, gout, rheumatism, osteoarthritis and osteoporosis","Joint replacement surgery (other than accident)","Prolapse of intervertebral discs (other than accident)","All vertebrae disorders, including spondylitis, spondylosis, spondylolisthesis","Congenital internal","Removal of implants","All diseases of ligament, tendon, meniscal tear (other than accident or malignancy)","Varicose veins and varicose ulcers","Stones in the urinary, genito-urinary and biliary systems","Benign prostate hypertrophy, all types of hydrocele","Fissure, fistula in anus, piles, all types of hernia, pilonidal sinus, hemorrhoids, anal abscess","CSOM, deviated nasal septum, sinusitis, surgery on tonsils/adenoids, tympanoplasty and other benign ENT disorders or surgery","Gastric and duodenal ulcer","Cysts, nodules, polyps, internal tumors, skin tumors and breast lumps (unless malignant)","Polycystic ovarian diseases","Any surgery of the genito-urinary and biliary system unless necessitated by malignancy"],"display":"Cataract, hysterectomy, joint and knee replacement, spine disorders, hernia, piles, stones, ENT, ulcers, cysts and others","note":"Mental illnesses with the ICD codes listed in the in-patient cover (for example F20 schizophrenia, F31 bipolar disorder, F32 depressive episode) separately need 24 months of continuous cover.","quote":"i) Cataract, ... ii) Endometriosis, Dilatation and curettage, Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus or myomectomy for fibroids unless necessitated by malignancy ... iii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), ... all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal, Removal of Implants and all diseases of Ligament, tendon, meniscal tear (other than caused by accident or malignancy). ... iv) Varicose Veins and Varicose Ulcers, ... v) Stones in the urinary genito-urinary and biliary systems including calculus diseases and complications thereof, ... vi) Benign Prostate Hypertrophy, all types of Hydrocele, ... vii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region. ... viii) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery. ... ix) gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases, ... x) Any surgery of the genito-urinary & biliary system unless necessitated by malignancy.","sources":[{"clause":"4(f)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-f"}],"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 Base Sum Insured, the 60 months run from the date of enhancement on the enhanced limit.","quote":"After completion of 60 continuous months of coverage (including Portability and Migration) in health insurance policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. ... subsequently completion of 60 continuous months would be applicable from date of enhancement of Base Sum Insured only on the enhanced limits","sources":[{"clause":null,"heading":"F. I . 12 Moratorium Period","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying at least 30 days, but not earlier than 60 days, before renewal; continuity benefits (Base Sum Insured, No Claim Bonus, specific and pre-existing disease waiting periods, moratorium) carry over as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried over","note":"Migration to another ManipalCigna product is also allowed, applying at least 30 days before renewal.","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date as per IRDAI guidelines related to Portability. ... the proposed Insured Person will get the accrued continuity benefits to the extent of the Base Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, moratorium period as per IRDAI guidelines on portability.","sources":[{"clause":null,"heading":"F. I . 9 Portability","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-9-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, renewable for life","note":null,"quote":"The Policy is ordinarily renewable on mutual consent for life, subject to application of Renewal and realization of Renewal premium. ... Renewals will not be denied except on grounds of misrepresentation, established fraud, non-disclosure of material facts by You.","sources":[{"clause":null,"heading":"F. II . 8 Renewal Terms","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-8-renewal-terms"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies at renewal based on individual claims experience.","display":"No","note":"A claim does reset the No Claim Discount (2.5% to 7.5% renewal discount for claim-free years) to zero.","quote":"iv. No loading shall apply on Renewals based on individual claims experience. ... Renewal premium will not alter based on individual claims experience. ... In case of any claim, the claim-free count will reset and will start afresh from the subsequent Policy Year.","sources":[{"clause":null,"heading":"F. I . 10 Renewal of Policy","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-10-renewal-of-policy"},{"clause":null,"heading":"F. II . 8 Renewal Terms","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-8-renewal-terms"},{"clause":null,"heading":"Lifetime Discounts","page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-lifetime-discounts"}],"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":["Admission primarily for investigation and evaluation","Rest cure, rehabilitation and respite care","Surgical treatment of obesity not meeting the listed conditions","Change-of-gender treatments","Cosmetic or plastic surgery (except reconstruction after accident, burns or cancer)","Hazardous or adventure sports as a professional","Breach of law with criminal intent","Excluded providers (except stabilisation in emergencies)","Alcoholism, drug or substance abuse or any addictive condition","Health hydros, nature cure clinics, spas","Dietary supplements and substances bought without prescription","Refractive error less than 7.5 diopters","Unproven treatments","Sterility and infertility, contraception, assisted reproduction, surrogacy","Maternity (unless the optional maternity cover is bought)","Dental treatment unless due to an accident with 24 hours hospitalisation","Circumcision unless medically necessary or due to accident","CPAP, CPAD, oxygen concentrator, infusion pump and other external devices","External congenital anomaly","Prostheses and appliances not required intra-operatively","Hospital stay without treatment","Treatment outside India","Donor screening costs and transplants of organs not harvested from a human body","Non-allopathic treatment (except AYUSH), hydrotherapy, acupuncture, reflexology, chiropractic","Nuclear, chemical or biological contamination","War, invasion, hostilities, riots","Non-medical expenses and items in Annexure III List I","Deductible or co-pay amounts","Multi-focal lenses and Femto laser assisted cataract surgery","Modern and advanced treatments other than those covered","Out patient treatment","Intentional self-injury or attempted suicide","Preventive care, vaccination, immunisation","Hearing aids, spectacles, contact lenses","Alopecia, baldness, wigs, hair replacement","Treatment not of reasonable charge and not medically necessary","Drugs or treatments without prescription","Permanent exclusions named in the Policy Schedule","Treatment at a facility that is not a Hospital or Day Care Centre","Treatment by a practitioner outside his discipline","Treatments or medicines not approved by CDSCO or other Indian authorities, or used off-label"],"display":"Standard IRDAI exclusions plus the policy's own list (OPD, treatment abroad, premium cataract lenses, external devices, off-label drugs and others)","note":"Vaccination is payable when part of hospitalisation after an animal bite. External devices, non-medical items and maternity become payable only under the matching optional covers. The optional Personal Accident covers have their own exclusions (adventure sports, intoxication and others).","quote":"Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... E.I.5 Rest Cure, rehabilitation and respite care-Code-Excl 05 ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... E.I.7 Change-of-Gender treatments: Code-Excl 07 ... E.I.8 Cosmetic or Plastic Surgery: Code-Excl 08 Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... E.I.9 Hazardous or Adventure sports: Code-Excl 09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... E.I.10 Breach of law: Code-Excl 10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... E.I.11 Excluded Providers: Code-Excl 11 ... However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable. ... E.I.12 Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code-Excl 12 ... E.I.13 Treatments received in heath hydros, nature cure clinics, spas ... E.I.14 Dietary supplements and substances that can be purchased without prescription ... Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters. ... E.I.16 Unproven Treatments: Code-Excl 16 ... Expenses related to sterility and infertility. This includes: ... i. Any type of contraception, sterilization ... ii. Assisted Reproduction services ... iii) Gestational Surrogacy ... E.I.18 Maternity: Code-Excl 18 ... Exclusion E.I.18 (maternity related exclusion) shall not apply to the extent of coverage provided through this optional cover ... E.II.2 Dental Treatment, orthodontic treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... E.II.3 Circumcision unless necessary for treatment of an illness or injury not excluded hereunder or due to an accident. ... E.II.4. Instrument used in treatment of Sleep Apnea Syndrome (C.P.A.P.) and Continuous Peritoneal Ambulatory Dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial Asthmatic condition, Infusion pump or any other external devices used during or after treatment. ... E.II.5 External Congenital Anomaly or defects or any complications or conditions arising therefrom. ... E.II.6 Prostheses, corrective devices and medical appliances, which are not required intra-operatively ... E.II.7 Any stay in Hospital without undertaking any treatment ... E.II.8 Treatment received outside the geographical limits of India. ... E.II.9 Costs of donor screening or costs incurred in an organ transplant surgery involving organs not harvested from a human body ... E.II.10 Any form of Non-Allopathic treatment (except AYUSH Treatment), Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment ... E.II.11 All Illness/expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel, chemical or biological attack ... E.II.12 All expenses caused by or arising from or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations ... active participation in riots ... E.II.13 All non-medical expenses ... please refer to the Annexure III List - I “Items for which Coverage is not available in the Policy” ... E.II.14 Any deductible amount or percentage of admissible claim under co-pay ... E.II.16 Expenses incurred towards all types of Multi-focal Lenses, Multi-focal toric lenses and Femto Laserassisted Surgeries for the treatment of Cataract ... E.II.17 Expenses related to any Modern & Advanced Treatments other than those covered under this Policy shall not be payable. ... E.II.18 Out patient treatment expenses. ... E.II.19 Expenses related to an Insured Person committing or attempting to commit intentional self-injury or attempted suicide or suicide. ... E.II.20 Preventive care, vaccination, inoculation, or immunization, except when administered as part of hospitalization required for post‐animal bite treatment. ... E.II.21 Expenses related to the provision or fitting of hearing aids, spectacles or contact lenses. ... E.II.22 Any treatment and associated expenses for alopecia, baldness including cortico steroids and topical immuno therapy wigs, toupees, hair pieces, any non-surgical hair replacement methods ... E.II.23 Any treatment or part of a treatment that is not of a reasonable charge and not Medically Necessary. ... E.II.24 Drugs or treatments which are not supported by a prescription. ... E.II.25 Any permanent exclusion applied on any medical or physical condition or treatment of an Insured Person as specifically mentioned in the Policy Schedule ... E.II.26 Treatment at a healthcare facility which is NOT a Hospital or Day Care Centre. ... E.II.27 Treatment rendered by a Medical Practitioner which is outside his discipline ... Any treatment, medicine not approved by CDSCO, FDA and other appropriate authorities in India shall not be covered under the policy. ... Treatments or medications used outside their approved purpose (often called “off-label” or extra usage) shall not be covered under the policy","sources":[{"clause":"4(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-4"},{"clause":null,"heading":"E.I.5 Rest Cure, rehabilitation and respite care-Code-Excl 05","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-5-rest-cure-rehabilitation-and-respite-care"},{"clause":null,"heading":"Table of Contents","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-table-of-contents"},{"clause":null,"heading":"E.I.15 Refractive Error: Code-Excl 15","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-15-refractive-error-code-excl-15"},{"clause":null,"heading":"E.I.16 Unproven Treatments: Code-Excl 16","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-16-unproven-treatments-code-excl-16"},{"clause":null,"heading":"E.I.17 Sterility and Infertility: Code-Excl 17","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-17-sterility-and-infertility-code-excl-17"},{"clause":null,"heading":"E.I.18 Maternity: Code-Excl 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-18-maternity-code-excl-18"},{"clause":"Row 3(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-3-b-3"},{"clause":null,"heading":"E.II Specific Exclusions E.II.1 Personal Waiting period","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-ii-specific-exclusions-e-ii-1-personal-waiting"},{"clause":"Annexure A(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-annexure-a-a-6"},{"clause":"4(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-5"},{"clause":"4(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-8"}],"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":"The policyholder may cancel any time with 7 days written notice. 1 year policy: proportionate refund for unexpired days if no claim; no refund if a claim was made or any benefit availed. Longer policies: proportionate refund if no claim in the current policy year (or claim only in a previous year); refund of premium for remaining complete policy years if a claim was made in the current year.","display":"Pro-rata refund if no claim; nothing back on a 1 year policy after a claim","note":"The insurer may cancel on 15 days notice for misrepresentation, non-disclosure or proven fraud, with no refund. Free-look cancellation has its own refund rule.","quote":"The Policyholder may cancel this policy anytime during the policy term by providing 7 days' written notice. ... A. Policy Tenure of 1 Year: ... • No claim made: A proportionate refund of the premium will be issued based on the number of unexpired days. ... • Claim made: No refund will be given if a claim has been made or any benefit has been availed during the Policy period. ... B. If Policy Tenure is more than 1 year: ... • No claim in the current policy year: ... i. A proportionate refund of the premium will be issued for the unexpired period upon cancellation. ... • Claim made in the current policy year: ... i. Premium for the remaining complete policy year(s) will be refunded on cancellation. ... • Claim made in a previous policy year:","sources":[{"clause":null,"heading":"F. I . 7 Cancellation","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-7-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":null,"quote":"The geographical coverage of this policy and all its benefit is limited to events/perils occurring within India only. All admitted or payable claims shall be settled in India and payable in Indian Rupees only.","sources":[{"clause":null,"heading":"F. II . 5 Geography","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-5-geography"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund less proportionate risk premium, medical examination and stamp duty costs, if no claim was made; not available on renewals, porting or migration.","quote":"The Insured Person shall be allowed a 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 Free Look period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the Policy.","sources":[{"clause":null,"heading":"F. I . 15 Free Look period","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-15-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly.","quote":"in no case later than the Grace Period of 30 days from the expiry of the Policy. ... Grace Period of 30 days would be given for Half-yearly and Quarterly mode of payment and 15 days for monthly mode of payment to pay the instalment premium due for the Policy.","sources":[{"clause":null,"heading":"F. II . 7 Grace Period","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-7-grace-period"},{"clause":null,"heading":"F. I . 13 Premium Payment in Instalments (Wherever applicable)","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-13-premium-payment-in-instalments-wherever-a"}],"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":"Minimum 91 days for children and 18 years for adults; no maximum entry age.","display":"91 days (children) / 18 years (adults); no maximum","note":"From the prospectus; the wording does not print entry ages. Children up to 30 years can be covered in a floater.","quote":"The minimum entry age under this policy is 91 days for children and 18 years for adults. There is no maximum limit for entry under this policy. ... a) Children from 91 days to 17 years will only be covered if one of the parents is the proposer.","sources":[{"clause":null,"heading":"1. Eligibility","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/365#c-1-eligibility"},{"clause":"18(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/365#c-18-a-4"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Single","Half yearly","Quarterly","Monthly"],"display":"Single, half-yearly, quarterly or monthly","note":"Instalments (half-yearly, quarterly, monthly) only for a 1 year policy, with loadings of 2.50%, 3.50% and 5.50% respectively.","quote":"Premium can be paid on Single, Half yearly, Quarterly and Monthly basis. ... Instalment facility shall not be available for the policy tenure more than 1 year. ... Monthly | 5.50 ... Quarterly | 3.50 ... Half yearly | 2.50","sources":[{"clause":null,"heading":"F. II . 9 Premium calculation","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-9-premium-calculation"},{"clause":null,"heading":"F. I . 13 Premium Payment in Instalments (Wherever applicable)","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-13-premium-payment-in-instalments-wherever-a"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Personal Accident Cover","Temporary Total Disablement","Health Check Up","Air Ambulance","Restoration","Gullak (Guaranteed Cumulative Bonus)","Maternity & New Born Hospitalization Expenses","Sarathi","Room Rent Modification","Surplus Benefit","Shakti","Anant","Deductible","Voluntary Co-Payment","Coverage for Non-Medical Items and Durable Medical Equipment","Extension of Specific Disease Waiting Period","Sarathi 2.0","Personal Accident Plus"],"display":"Personal accident, TTD, health check-up, air ambulance, restoration, Gullak bonus, maternity, Sarathi, room upgrade, Surplus, Shakti, Anant, deductible, co-pay and others","note":"Add-on/rider: ManipalCigna Health 360-OPD. Surplus Benefit and Shakti are mutually exclusive; Sarathi, Anant and the waiting period extension can be chosen only at first purchase.","quote":"D.III.1Personal Accident Cover ... D.III.2Temporary Total Disablement (TTD) ... D.III.3Health Check Up ... D.III.4 Air Ambulance ... D.III.5 Restoration ... D.III.6.Gullak (Guaranteed Cumulative Bonus) ... D.III.7.Maternity & New Born Hospitalization Expenses ... D.III.8 Sarathi ... D.III.9. Room Rent Modification ... D.III.10 Surplus Benefit ... D.III.11 Shakti ... D.III.12 Anant ... D.III.13 Deductible ... D.III.14. Voluntary Co-Payment ... D.III.15 Coverage for Non-Medical Items and Durable Medical Equipment ... D.III.16. Extension of Specific Disease Waiting Period ... D.III.17 Sarathi 2.0 ... D.III.18. Personal Accident Plus ... Add on cover (Rider) This section lists the Add on cover available under your plan | ManipalCigna Health 360- OPD","sources":[{"clause":null,"heading":"D.III.1Personal Accident Cover","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-1personal-accident-cover"},{"clause":null,"heading":"D.III.2Temporary Total Disablement (TTD)","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-2temporary-total-disablement-ttd"},{"clause":null,"heading":"D.III.3Health Check Up","page":22,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-3health-check-up"},{"clause":null,"heading":"D.III.4 Air Ambulance","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-4-air-ambulance"},{"clause":null,"heading":"D.III.5 Restoration","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-5-restoration"},{"clause":null,"heading":"D.III.6.Gullak (Guaranteed Cumulative Bonus)","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-6-gullak-guaranteed-cumulative-bonus"},{"clause":null,"heading":"D.III.7.Maternity & New Born Hospitalization Expenses D.III.7.A. Maternity Expenses","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-7-maternity-new-born-hospitalization-expen"},{"clause":null,"heading":"D.III.8 Sarathi","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-8-sarathi"},{"clause":null,"heading":"D.III.9. Room Rent Modification","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-9-room-rent-modification"},{"clause":null,"heading":"D.III.10 Surplus Benefit","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-10-surplus-benefit"},{"clause":null,"heading":"D.III.11 Shakti","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-11-shakti"},{"clause":null,"heading":"D.III.12 Anant","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-12-anant"},{"clause":null,"heading":"D.III.13 Deductible","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-13-deductible"},{"clause":null,"heading":"D.III.14. Voluntary Co-Payment","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-14-voluntary-co-payment"},{"clause":null,"heading":"D.III.15 Coverage for Non-Medical Items and Durable Medical Equipment D.III.15.A Non-Medical Items","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-15-coverage-for-non-medical-items-and-dura"},{"clause":null,"heading":"D.III.16. Extension of Specific Disease Waiting Period","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-16-extension-of-specific-disease-waiting-p"},{"clause":null,"heading":"D.III.17 Sarathi 2.0","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-17-sarathi-2-0"},{"clause":null,"heading":"D.III.18. Personal Accident Plus","page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-18-personal-accident-plus"},{"clause":null,"heading":"Coverage Options (Choose any one)","page":71,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-coverage-options-choose-any-one"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No for renewal: claims for events during the renewal grace period are not paid. Yes when premium is paid in instalments: cover continues during the instalment grace period.","display":"Not covered during the renewal grace period; covered during an instalment grace period","note":null,"quote":"We will not be liable to pay for any claim arising out of an Illness/Injury/ Accident/ Condition that occurred during the Grace Period subject to section F.I.13 ‘Premium Payment in Instalments’. ... Coverage is not available during the Grace Period. ... ii. If the premium is paid in instalments during the Policy Period, coverage will be available during such Grace Period.","sources":[{"clause":null,"heading":"F. II . 7 Grace Period","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-7-grace-period"},{"clause":null,"heading":"F. I . 10 Renewal of Policy","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-10-renewal-of-policy"},{"clause":null,"heading":"F. I . 13 Premium Payment in Instalments (Wherever applicable)","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-i-13-premium-payment-in-instalments-wherever-a"}],"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 a Single Private AC Room (unless the schedule says otherwise), within the Sum Insured; no rupee cap. A costlier room means proportionate deduction of associated medical expenses.","display":"Single Private AC Room, no rupee cap","note":"Optional Room Rent Modification changes this to Any Room or a Twin Sharing AC room.","quote":"Room category coverage under this policy is limited to a Single Private AC Room (unless otherwise specified in the Policy Schedule), subject to the maximum Sum Insured. ... If the Insured Person is admitted to a room category higher than that specified in the Policy Schedule, the Policyholder/Insured Person shall bear a proportionate share of the total Associated Medical Expenses","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Single Private AC Room by default; Any Room or Twin Sharing AC Room with the Room Rent Modification option.","display":"Single Private AC Room","note":"Single Private AC Room means the most economical air-conditioned single room in the hospital, excluding suites.","quote":"Room category coverage under this policy is limited to a Single Private AC Room (unless otherwise specified in the Policy Schedule) ... We offer the option to modify the eligible room category limit to either “Any Room” or “Twin Sharing AC room” as per the Policyholder’s choice","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"},{"clause":null,"heading":"D.III.9. Room Rent Modification","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-9-room-rent-modification"}],"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":"Covered up to the Sum Insured; no separate ICU limit.","display":"Up to Sum Insured (no limit)","note":null,"quote":"For ICU accommodation, expenses will be covered up to the Sum Insured. ... ICU – No limit","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"},{"clause":"41(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/366#c-41-iii"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. In a room above the eligible category, the insured bears a proportionate share of associated medical expenses (nursing, OT, doctor fees), excluding pharmacy, consumables, implants, devices and diagnostics; not applied to ICU.","display":"Yes, on associated medical expenses (not pharmacy, implants, diagnostics or ICU)","note":"Applies only in hospitals with differential billing by room category.","quote":"If the Insured Person is admitted to a room category higher than that specified in the Policy Schedule, the Policyholder/Insured Person shall bear a proportionate share of the total Associated Medical Expenses (including surcharge or taxes as applicable). ... Associated Medical Expenses shall include nursing charges, operation theatre charges, fees of Medical Practitioner/surgeon/ anesthetist/ Specialist, excluding cost of pharmacy and consumables, cost of implants and medical devices, cost of diagnostics conducted within the same Hospital where the Insured Person has been admitted. It shall not be applicable for Hospitalization in ICU.","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"},{"clause":null,"heading":"4. Associated Medical Expenses","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-associated-medical-expenses"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"None unless the voluntary co-payment (10%, 20% or 30%) is chosen.","display":"None unless opted (voluntary 10%, 20% or 30%)","note":"Penalty co-payments: extra 10% if a stay beyond 10 days is not intimated within 10 days of admission; extra 20% for an organ transplant at a non-network hospital without the required intimation or biopsy. The voluntary co-pay cannot be combined with a deductible. The CIS co-payment line is a placeholder (\"XXX%\").","quote":"Options of 10%, 20% or 30% will be applicable on each and every claim ... Irrespective of the Age and number of claims made by the Insured Person, and subject to the Co-payment option chosen by You and specified in the Policy Schedule. ... If we do not receive intimation within 10 days from the date of admission, we may apply an additional cumulative co-payment of 10% on the final admissible claim amount. ... If treatment is taken at a non-network hospital and we do not receive the required intimation or the biopsy report as outlined above, an additional 20% co-payment may be applicable on the admissible claim amount.","sources":[{"clause":"Row 13(b)(iii)","heading":"Mental Illness","page":65,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-13-b-iii"},{"clause":null,"heading":"D.III.14. Voluntary Co-Payment","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-14-voluntary-co-payment"},{"clause":"4(a)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-9"},{"clause":"4(d)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-d-4"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional deductible is chosen: aggregate ₹10K to ₹10L a policy year, or ₹1K to ₹5K per day of hospitalisation.","display":"None unless opted (aggregate ₹10K to ₹10L, or ₹1K to ₹5K per day)","note":"Aggregate options: ₹10K, ₹25K, ₹50K, ₹1L, ₹2L, ₹3L, ₹4L, ₹5L, ₹10L. The prospectus benefit table omits the ₹5L aggregate option.","quote":"Insured has option to choose either Option 1 – Aggregate Deductible of ₹10K, ₹25K, ₹50K, ₹1L, ₹2L, ₹3L, ₹4L, ₹5L or ₹10L or Option 2 – Per Day Deductible of ₹1K, ₹2K, ₹3K, ₹4K or ₹5K per day of Hospitalization on all admissible claims","sources":[{"clause":"Row 13(b)(iii)","heading":"Mental Illness","page":65,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-13-b-iii"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["No disease-wise sub-limits"],"display":"None","note":"From the CIS; the wording prints no disease-wise sub-limits. A sub-limit may be applied to a declared condition as an underwriting special condition. Multi-focal and toric lenses and Femto laser cataract surgery are excluded.","quote":"The policy will pay only up to the limits specified for the following diseases/procedures: Not Applicable ... Specified Disease: No sublimit applies ... We may apply a specific sub-limit on a medical condition/ailment depending on the past history and declarations","sources":[{"clause":"41(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/366#c-41-iii"},{"clause":null,"heading":"F. II . 11 Loadings & Special Conditions","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-11-loadings-special-conditions"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":"30 days for domiciliary hospitalisation and for the organ donor.","quote":"We will reimburse, Pre-hospitalization Medical Expenses, upto the Sum Insured, incurred during the 90 days immediately prior to the date the Insured was admitted in the Hospital.","sources":[{"clause":null,"heading":"D.I.3 Pre-hospitalization Medical Expenses","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-3-pre-hospitalization-medical-expenses"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":180},"display":"180 days","note":"30 days for domiciliary hospitalisation and for the organ donor.","quote":"We will reimburse, Post-hospitalization Medical Expenses, upto the Sum Insured, incurred during the 180 days immediately post the date the Insured was discharged from the Hospital.","sources":[{"clause":null,"heading":"D.I.4 Post-hospitalization Medical Expenses","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-4-post-hospitalization-medical-expenses"}],"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 up to the Sum Insured; OPD and diagnostic services are not.","display":"All day care procedures, up to Sum Insured","note":null,"quote":"All Day Care Procedure covered up to Sum Insured. ... c) Out-Patient (OPD) Treatment and diagnostic services are not covered under this benefit.","sources":[{"clause":"Row 13(b)(iii)","heading":"Mental Illness","page":65,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-13-b-iii"},{"clause":null,"heading":"D.I.2 Day Care Treatment","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-2-day-care-treatment"}],"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":"Covered up to the Sum Insured when the patient cannot be moved to hospital or no bed is available, if treatment lasts at least 3 consecutive days; pre and post expenses 30 days each. Asthma, bronchitis, arthritis, diabetes, epilepsy, hypertension, diarrhoea, fever of unknown origin and similar conditions are excluded.","display":"Yes, up to Sum Insured, minimum 3 days","note":"Restoration does not apply to this benefit. Chronic nephritis and nephritic syndrome are also excluded.","quote":"i) The condition of the Insured Person does not allow transfer to a Hospital; or ... ii) A Hospital bed is unavailable. Provided that the treatment continues for a minimum period of 3 consecutive days ... Post- hospitalization Medical Expenses for up to 30 days each. ... i) asthma, COPD, bronchitis, tonsillitis and upper and lower respiratory tract infection ... ii) arthritis, gout and rheumatism ... iv) all types of Diarrhea and dysenteries ... v) diabetes mellitus and Diabetes Insipidus, ... vi) epilepsy / Seizure disorder, ... vii) hypertension, ... viii) pyrexia of unknown origin. ... We will reimburse Medical Expenses of an Insured Person, up to the Sum Insured","sources":[{"clause":null,"heading":"D.I.5 Domiciliary Hospitalization","page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-5-domiciliary-hospitalization"}],"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":"Covered up to the Sum Insured in an AYUSH Hospital; pleasure, rejuvenation and preventive treatments such as Panchakarma are excluded.","display":"Yes, up to Sum Insured in an AYUSH Hospital","note":null,"quote":"We will indemnify the Medical Expenses incurred during the Policy Year, up to the Sum Insured specified in the Policy Schedule, for an Insured Person in the event of Medically Necessary Treatment taken for AYUSH Treatment ... provided such treatment is undertaken in an AYUSH Hospital. ... Expenses incurred on facilities and services availed for purpose of pleasure, rejuvenation, or as a preventive aid, including but not limited to beauty treatments, Panchakarma, purification, detoxification and rejuvenation therapies.","sources":[{"clause":null,"heading":"D.I.8 AYUSH Treatment","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-8-ayush-treatment"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered up to the Sum Insured, in-patient or day care: uterine artery embolisation and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy (monoclonal antibody injections), intra vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, vaporisation of the prostate, IONM and stem cell therapy for haematological conditions.","display":"Covered up to Sum Insured","note":"Other modern treatments are excluded (E.II.17). Treatments not approved by CDSCO or used off-label are not covered.","quote":"The following Modern and Advanced procedures will be indemnified (wherever medically indicated) either as In- patient or Day Care Treatment in a Hospital, up to the limit specified in the Policy Schedule within a Policy Year. ... a) Uterine Artery Embolization and HIFU (High intensity focused ultrasound) ... b) Balloon Sinuplasty ... c) Deep Brain stimulation ... d) Oral chemotherapy ... e) Immunotherapy - Monoclonal Antibody to be given as injection ... f) Intra vitreal injections ... g) Robotic surgeries ... h) Stereotactic radio surgeries ... i) Bronchial Thermoplasty ... j) Vaporization of the Prostate ... k) IONM - (Intra Operative Neuro Monitoring) ... l) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions ... i. Modern and Advanced Treatments: Covered up to Sum Insured","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"},{"clause":null,"heading":"Ombudsman","page":61,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-ombudsman"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. Donor hospitalisation for organ harvesting up to the Sum Insured, donor pre and post hospitalisation 30 days each, donor screening once a policy year for a successful transplant, and donor complications within 30 days up to 25% of Base Sum Insured (max ₹2 Lac) over and above the Sum Insured. Organ acquisition cost is not covered.","display":"Yes, up to Sum Insured, plus donor complications up to 25% of Base Sum Insured (max ₹2 Lac)","note":null,"quote":"We will indemnify In-patient Hospitalization Medical Expenses incurred during the Policy Period, upto the Sum Insured, in respect of organ harvesting from the donor where an Insured Person shall be the recipient ... only during the immediate 30 days prior to admission and only during the immediate 30 days post discharge from the hospital. ... Such expenses shall be covered upto an additional benefit limit amounting to 25% of the Base Sum Insured subject to a maximum of ₹2Lac in a policy year. This shall be an independent limit over and above the Sum Insured. ... Claim under Donor Screening Expenses shall be paid only if the organ transplant surgery is successful and only for one such incidence in a policy year. ... We shall not cover any expenses towards the cost of acquisition of the organ from the donor.","sources":[{"clause":null,"heading":"A. Organ Harvesting Expenses","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-a-organ-harvesting-expenses"},{"clause":null,"heading":"B. Organ Donor Medical Expenses","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-b-organ-donor-medical-expenses"},{"clause":null,"heading":"C. Organ Donor Complication Support","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-c-organ-donor-complication-support"},{"clause":null,"heading":"D. Donor Screening Expenses","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-donor-screening-expenses"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance covered up to the Sum Insured for emergencies, including transfer to a better-equipped hospital. Air ambulance only with the optional cover, up to ₹10 Lacs a policy year over the Sum Insured, within India.","display":"Road: up to Sum Insured; air: optional, up to ₹10 Lacs","note":"Road ambulance needs an admissible in-patient claim and a doctor's certificate. Return air transport home is not covered.","quote":"We will reimburse the Reasonable and Customary expenses, up to the Sum Insured specified in the Policy Schedule, incurred for the road transportation of an Insured Person ... ii) The cost of transferring the Insured Person to another hospital with better facilities due to lack of super specialty treatment in the existing Hospital. ... D.III.4 Air Ambulance ... for transfer between healthcare facilities within India, by an Air Ambulance ... subject to a maximum of ₹10 Lacs in a Policy Year, and is payable in addition to the Sum Insured.","sources":[{"clause":null,"heading":"D.I.6 Road Ambulance","page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-i-6-road-ambulance"},{"clause":null,"heading":"D.III.4 Air Ambulance","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-4-air-ambulance"},{"clause":"Row 3(vii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-3-vii"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Not in the base cover; available only with the optional Restoration cover.","display":"Not in the base cover (optional Restoration cover)","note":"Optional Restoration: 100% of the Base Sum Insured restored unlimited times in a policy year, for the same or unrelated illness, not for the first admissible claim; only for in-patient, day care, pre and post hospitalisation, road ambulance, donor, AYUSH and the optional non-medical items cover. Unused restoration is not carried forward.","quote":"The following optional covers shall be available under the policy, if specifically opted and mentioned in the policy schedule. ... D.III.5 Restoration ... We will provide 100% restoration of the Base Sum Insured unlimited times in a Policy Year, whether for the same or unrelated illness/condition and Injury ... will not apply to the first admissible claim in the Policy Year. Restoration shall be available only for: ... Any unutilized Restored amount will not be carried forward to subsequent Policy Years.","sources":[{"clause":null,"heading":"D.III. Optional covers","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-optional-covers"},{"clause":null,"heading":"D.III.5 Restoration","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-5-restoration"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"No bonus in the base cover; a cumulative bonus comes only with the optional Gullak (Guaranteed Cumulative Bonus) cover.","display":"None in the base cover (optional Gullak bonus)","note":"Optional Gullak: 100% of the Base Sum Insured added each policy year irrespective of claims, up to 1500% of the Base Sum Insured, if renewed without a break; forfeited if the cover is dropped at renewal. Separately, a No Claim Discount on renewal premium (2.5%, 5%, 7.5% for 1, 2, 3 claim-free years) resets after a claim.","quote":"The following optional covers shall be available under the policy, if specifically opted and mentioned in the policy schedule. ... D.III.6.Gullak (Guaranteed Cumulative Bonus) ... On completion of each Policy Year, we shall provide 100% of the Base Sum Insured as Bonus irrespective of claims made during the expiring Policy Year. ... The total accumulated Gullak (Guaranteed Cumulative Bonus) shall never exceed 1500% of the Base Sum Insured ... If You opt out of this Optional Cover at the time of Policy renewal, all the accumulated Gullak (Guaranteed Cumulative Bonus) under the expiring Policy shall be forfeited. ... Claim free years Discount 1 year 2.5% 2 years 5% 3 years 7.5% Note: i. In case of any claim, the claim-free count will reset and will start afresh from the subsequent Policy Year.","sources":[{"clause":null,"heading":"D.III. Optional covers","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-optional-covers"},{"clause":null,"heading":"D.III.6.Gullak (Guaranteed Cumulative Bonus)","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-6-gullak-guaranteed-cumulative-bonus"},{"clause":null,"heading":"Lifetime Discounts","page":49,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-lifetime-discounts"}],"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 in the base policy: non-medical items in Annexure III List I (gloves, masks and others) are excluded. Covered up to the Sum Insured with the optional Non-Medical Items cover.","display":"Not covered unless the optional Non-Medical Items cover is bought","note":"Drugs and consumables used intra-operatively are part of the in-patient cover.","quote":"List I - Items for which Coverage is not available in the Policy ... GLOVES ... Exclusion with respect to any of the Non-Medical Items listed in Annexure III List-1 shall not apply under this benefit. ... Non-Medical Items Covered up to the Sum Insured opted under the policy ... MASK","sources":[{"clause":null,"heading":"G.IV Annexure III","page":71,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-g-iv-annexure-iii"},{"clause":null,"heading":"D.III.15 Coverage for Non-Medical Items and Durable Medical Equipment D.III.15.A Non-Medical Items","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-15-coverage-for-non-medical-items-and-dura"},{"clause":"Row 13(b)(iii)","heading":"Mental Illness","page":65,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-13-b-iii"}],"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 in the base policy (maternity exclusion); covered only with the optional Maternity & New Born cover.","display":"Not covered unless the optional Maternity cover is bought","note":"Optional Maternity & New Born cover: up to 20% of Base Sum Insured, max Rs 5 Lac, in addition to the Base Sum Insured, after 36 months of continuous cover, max 2 deliveries or terminations; pre and post-natal expenses within the limit; restoration does not apply. In floaters only for female insured (self, spouse, live-in partner). Ectopic pregnancy is covered under the base in-patient cover.","quote":"E.I.18 Maternity: Code-Excl 18 ... Covered up to 20% of Base Sum Insured opted subject to a maximum of ₹5 Lac in addition to the Base Sum Insured opted. ... The female adult Insured Person should have been continuously covered under the Policy for at least 36 months before availing this benefit. ... subject to a maximum of 2 deliveries/terminations during the lifetime of an Insured Person with Us.","sources":[{"clause":null,"heading":"E.I.18 Maternity: Code-Excl 18","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-e-i-18-maternity-code-excl-18"},{"clause":"Row 13(b)(iii)","heading":"Mental Illness","page":65,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-13-b-iii"},{"clause":null,"heading":"D.III.7.Maternity & New Born Hospitalization Expenses D.III.7.A. Maternity Expenses","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-7-maternity-new-born-hospitalization-expen"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Covered only under the optional Maternity & New Born cover, after a maternity claim is paid.","display":"Only with the optional Maternity cover","note":"With the optional cover: the new born's treatment during and after birth up to 90 days from delivery, within the maternity limit, plus first year vaccinations until 12 months of age. Beyond 90 days the baby must be added to the policy for premium.","quote":"Subject to a claim being paid under the Maternity Cover under Section D.III.7.A, We will cover: ... Reasonable and Customary Charges incurred on the New Born Baby during and post birth, up to 90 days from the date of delivery, within the limits specified in the Policy Schedule under Maternity Expenses ... vaccination expenses for the New Born Baby as per the National Immunization Scheme (India) listed below, until the child completes 12 months of age","sources":[{"clause":null,"heading":"D.III.7.B New Born Baby Expenses","page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-7-b-new-born-baby-expenses"},{"clause":null,"heading":"D.III.7.C First Year Vaccinations","page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-7-c-first-year-vaccinations"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"In-patient treatment of mental illness is covered up to the Sum Insured under the Mental Healthcare Act 2017; listed ICD conditions (such as schizophrenia, bipolar disorder, depressive episode) need 24 months of continuous cover.","display":"Covered up to Sum Insured; 24 month wait for listed conditions","note":null,"quote":"Indemnification of Medical Expenses upto the Sum Insured incurred for the Medically Necessary treatment of the Insured Person for In-patient Hospitalization arising from or associated with Mental illness ... Such coverage will be provided in accordance with The Mental Health Care Act, 2017 ... For the below- mentioned ICD Codes, the Insured Person must have been continuously covered under this Policy for at least 24 months before availing of this benefit. ... F20 | Schizophrenia ... F31 | Bipolar disorder ... F32 | Depressive episode","sources":[{"clause":null,"heading":"D. Benefits covered under the policy D.I. Basic covers D.I.1. In-patient Hospitalization","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-benefits-covered-under-the-policy-d-i-basic-co"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"No check-up in the base cover; available only with the optional Health Check Up cover.","display":"Only with the optional Health Check Up cover","note":"With the optional cover: once a policy year (including the first) for adult insured persons, cashless at network providers; Package 1 for Rs 5 Lacs, Package 2 for Rs 7.5 and 10 Lacs, Package 3 above Rs 10 Lacs. Not available during the free look period.","quote":"The following optional covers shall be available under the policy, if specifically opted and mentioned in the policy schedule. ... D.III.3Health Check Up ... We will provide a Health Check-Up to all Insured Persons covered as adults under this policy (excluding dependent children in floater policy) ... i) This benefit is available once in a Policy Year, including the first Policy Year. ... iv) We shall cover health check-up on a cashless basis only.","sources":[{"clause":null,"heading":"D.III. Optional covers","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-optional-covers"},{"clause":null,"heading":"D.III.3Health Check Up","page":22,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-iii-3health-check-up"},{"clause":"Row 3(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-3-i"},{"clause":"Row 3(iv)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-row-3-iv"}],"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":"Out patient treatment is not covered. Unlimited tele-consultations with a network General Physician are included; OPD cover is available only through the ManipalCigna Health 360-OPD add-on.","display":"Not covered (unlimited GP tele-consultations; OPD via add-on)","note":null,"quote":"E.II.18 Out patient treatment expenses. ... An Insured Person may avail unlimited tele-consultations with our network General Physician in India during the Policy Year. ... ManipalCigna Health 360- OPD | Coverage available for OPD as per package opted.","sources":[{"clause":"4(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-b-5"},{"clause":null,"heading":"D.II Value added covers D.II.1 Tele-Consultation","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-d-ii-value-added-covers-d-ii-1-tele-consultation"},{"clause":null,"heading":"Coverage Options (Choose any one)","page":71,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-coverage-options-choose-any-one"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium depends on the zone (Zone 1 to Zone 4) of the proposer's city pin code in the KYC documents. No zone-based co-payment is mentioned.","display":"Yes, premium varies by zone (4 zones) of the proposer's pin code","note":"Zone 1 includes Delhi NCR, Mumbai, Ahmedabad, Hyderabad; Zone 2 includes Chennai, Bangalore, Kolkata, Pune. A mismatch in the declared address may delay or deny a claim.","quote":"Premium will be calculated based on the Base Sum Insured opted, Age, risk classification, optional cover selected, family combination and Zone classification. Zone classification will be based on Proposer’s citylocation pin code as mentioned in KYC documents. ... Zone 1 | Delhi & NCR ... Zone 4 | Rest of India","sources":[{"clause":null,"heading":"F. II . 9 Premium calculation","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-f-ii-9-premium-calculation"},{"clause":null,"heading":"Zone Classification","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-zone-classification"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network hospitals only, on presenting the health card and photo ID; pre-authorisation within 1 hour.","display":"Yes, at network hospitals only","note":null,"quote":"Cashless facility is available only at our Network Hospital. ... by presenting the health card as provided by Us with this Policy, along with a valid photo identification proof ... All authorizations will be issued within a period of 1 (One) hour from the receipt of request.","sources":[{"clause":null,"heading":"G.I.4 Cashless Facility","page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-g-i-4-cashless-facility"},{"clause":"4(a)(v)","heading":null,"page":55,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-4-a-v"}],"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":"The insurer. Claim processing and network access may be facilitated by a service partner/TPA, but all customer contact (intimation, settlement, disputes) is with ManipalCigna.","display":"ManipalCigna, with a TPA/service partner facilitating","note":null,"quote":"Cashless and Reimbursement Claim processing and access to network hospitals may be facilitated through our service partner/TPA. ... Wherever a TPA is used, the TPA will only work to facilitate claim processing. All customer contact points will be with Us, including claim intimation, submission, settlement, and dispute resolutions.","sources":[{"clause":null,"heading":"G. Other terms and conditions G.I. Claim process & management G.I.1. Condition Preceding","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364#c-g-other-terms-and-conditions-g-i-claim-process-m"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Floater covers self, spouse or live-in partner, dependent children up to 30 years, parents or parents-in-law; maximum 2 adults and 3 children.","quote":"The policy can be purchased on an Individual/ Multi-Individual basis or a Family floater basis. ... A floater cover can cover a maximum of 2 adults and 3 children’s under a single policy.","sources":[{"clause":null,"heading":"2. Individual and Family Floater","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/365#c-2-individual-and-family-floater"},{"clause":"18(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/365#c-18-b-5"}],"law":[]}],"documents":[{"kind":"wording","label":"ManipalCigna Sarvah Uttam TnC","pages":75,"fetched_at":"2026-10-19 17:10:38.734216+00","source_url":"https://www.manipalcigna.com/documents/20124/0/Sarvah-Uttam-TnC/f56e1522-7056-076a-4113-cb31141d91db?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/364"},{"kind":"wording","label":"ManipalCigna Sarvah Param TnC","pages":73,"fetched_at":"2026-10-17 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19:48:13+00","source_url":"https://www.manipalcigna.com/documents/20124/0/Sarvah-Pratham-Annexure-to-Prospectus-Benefitillustration/2b9d3cdb-9c20-3c8f-d225-2db5c69b3837?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526/document/12671"}],"versions":[{"uin":"MCIHLIP27040V032627","version":null,"approved_on":null},{"uin":"MCIHLIP25035V012425","version":null,"approved_on":null},{"uin":"MCIHLIP26038V022526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Manipal Cigna Health Insurance official website","url":"https://www.manipalcigna.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://claim.manipalcigna.com/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.manipalcigna.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew online","url":"https://online.manipalcigna.com/erenewal/renew?source=NWEB","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ManipalCigna Sarvah (UIN MCIHLIP26038V022526), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-sarvah-mcihlip26038v022526"}