{"uin":"MCIHLIP27044V012627","name":"ManipalCigna Infinix","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627","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 Infinix is an India-only individual or family floater health indemnity policy with Core, Now and Active variants, covering hospital stays of 2 hours or more, with a Rs 10 lakh or Unlimited Base Sum Insured outside the Active variant and lifelong renewal. A co-payment of 10% or 25% applies outside the chosen hospital package, the default room is a single private AC room, and the Core plan waiting periods are 30 days, 36 months for pre-existing diseases and 36 months for specified diseases.","analysis":{"state":"extracted","analysed_at":"2026-10-19 17:10:39.664548+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":["Infinix Core","Infinix Now","Infinix Active"],"display":"Core, Now and Active","note":"The wording does not list the variants in one place: the CIS names the Core plan, and the wording refers to Infinix Now and Infinix Active where benefits or waiting periods differ (for example the 30-day, pre-existing disease and specified disease waiting periods are marked 'Not Applicable for Infinix Now'). Only the Core plan CIS was available.","quote":"ManipalCigna Infinix – Core ... Wellness Program (Not available in Infinix Active) ... 11. QuickAccess (Not Available with Infinix Now & Infinix Active)","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371#c-customer-information-sheet-know-your-policy"},{"clause":"10","heading":"Wellness Program (Not available in Infinix Active)","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-10"},{"clause":null,"heading":"11. QuickAccess (Not Available with Infinix Now & Infinix Active)","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-11-quickaccess-not-available-with-infinix-now-in"}],"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.","display":"1, 2 or 3 years","note":"Long term discount: 10% on the 2nd policy year premium, and 12.5% on the 3rd year for a 3-year policy.","quote":"If you have chosen a 1 year policy tenure ... Everytime you opt for a 2-year policy enjoy a discount of 10% on the premium of the 2nd policy year. Everytime you opt for a 3-year policy enjoy a discount of 10% on the premium of the 2nd policy year and 12.5% discount on the premium of the 3rd policy year. ... i) Your policy can typically be renewed for life","sources":[{"clause":"13(f)","heading":null,"page":81,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-f"},{"clause":"10(d)(ii)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-10-d-ii"},{"clause":"8(i)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-i"}],"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 planned admission; within 24 hours of emergency admission","note":"Modern treatments need prior intimation and prior approval. Live donor organ transplants: inform at least 7 days in advance; cadaveric transplants: within 48 hours of admission (else up to 20% extra co-pay at a non-network hospital). Hospital stays beyond 10 days not intimated within 10 days of admission may attract an extra 10% co-payment. Home Treatment needs prior approval.","quote":"a) Planned Hospitalization: Inform Us at least 48 hours before the planned date of admission ... b) Emergency Hospitalization: Inform Us within 24 hours from the time of admission.","sources":[{"clause":"3(a)","heading":"Planned Hospitalization","page":73,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-3-a"},{"clause":"3(b)","heading":"Emergency Hospitalization","page":73,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-3-b"}],"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 verified by the hospital","KYC documents of Policyholder","Cancelled cheque for NEFT payment of Policyholder","Hospital Discharge summary","Operation Theatre notes / Indoor Case Papers","Hospital Main Bill","Hospital Break up bill","All Investigation and diagnostic reports","Pharmacy bills, prescription by treating medical practitioner and invoices","Copy of FIR/ MLC / Panchnama in case of Accident","Invoice with payment receipt and implant stickers for all implants"],"display":"Claim form, photo ID, KYC, cancelled cheque, discharge summary, bills, reports, pharmacy bills, FIR/MLC for accidents","note":"Table F lists further documents per benefit (pre/post hospitalisation, ambulance, New Beginnings, domiciliary, home treatment, PA+, air ambulance, DME, high-end diagnostics). Documents are required in original. Submit within 15 days of discharge; delay can be condoned with reasons.","quote":"a. Claim form duly signed ... b. Copy of photo ID of patient verified by the hospital c. KYC documents of Policyholder (Photo ID proof, age proof, address proof, recent passport size photograph) d. Cancelled cheque for NEFT payment of Policyholder ... a. Hospital Discharge summary b. Operation Theatre notes / Indoor Case Papers c. Hospital Main Bill d. Hospital Break up bill e. All Investigation and diagnostic reports ... h. Pharmacy bills, prescription by treating medical practitioner and invoices i. Copy of FIR/ MLC / Panchnama / Police Inquest Report (if conducted) duly attested by the concerned Police Station in case of Accident. ... l. Invoice with payment receipt and implant stickers for all implants used during Surgeries","sources":[{"clause":null,"heading":"TABLE F","page":76,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-table-f"},{"clause":"Row 1","heading":"In-Patient Hospitalization","page":77,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-row-1-3"}],"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 of submission of the necessary documents, with interest at 2% above bank rate for delay. Cashless authorisation within 1 hour and final discharge authorisation within 3 hours.","display":"15 days from last necessary document (cashless: 1 hour pre-authorisation, 3 hours at discharge)","note":null,"quote":"a) The Company shall settle or reject the claim, as the case may be, within 15 days (other than cashless) from date of submission of the necessary documents. ... at a rate 2% above the bank rate ... All authorization decisions will be communicated within 1 (one) hour of receipt of the request. ... within 3 (three) hours of receiving the final discharge request from the Network Hospital","sources":[{"clause":"3","heading":"Claim Settlement (provision for Penal Interest)","page":91,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-3-5"},{"clause":"4","heading":"Cashless Facility","page":74,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-4-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing Disease Waiting Period: 36 months","Specified disease/procedure Waiting Period: 36 months or 24 months (as per plan variant opted)","30 days Waiting Period for any illness, except accidents","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Alcoholism, drug, or substance abuse","Sterility and Infertility","Maternity","Dental Treatment unless necessitated due to an Accident","Treatment received outside the geographical limits of India","Any kind of Out-Patient Treatment expenses","Non-medical expenses mentioned in List I of Annexure 2","Cataract treatment involving all types of Multi-focal Lenses"],"display":"Waiting periods (36 months PED, 36 or 24 months specified diseases, 30 days initial), standard exclusions and product exclusions such as treatment outside India, OPD, dental and non-medical items","note":"The three waiting periods are marked 'Not Applicable for Infinix Now'. Maternity is covered only through the optional New Beginnings cover; non-medical items only through the optional Non-Medical Expenses cover.","quote":"Pre-existing Disease Waiting Period ... shall be excluded until the expiry of 36 months of continuous coverage ... Specified disease/procedure Waiting Period ... shall be excluded until the completion of 36 months or 24 months (as per plan variant opted) of continuous coverage ... 3. 30 days Waiting Period ... Expenses related to the treatment of any illness within 30 days from the date of commencement of the first policy shall be excluded, except for claims arising due to an accident ... Investigation & Evaluation ... Rest Cure, rehabilitation and respite care ... Cosmetic or Plastic Surgery ... Hazardous or Adventure sports ... Expenses incurred towards treatment for Alcoholism, drug, or substance abuse ... Sterility and Infertility ... Maternity: Code Excl 18 ... Expenses incurred towards Dental Treatment, orthodontic treatment, dentures, or dental Surgery of any kind shall be excluded, unless such treatment is necessitated due to an Accident ... Expenses incurred towards treatment received outside the geographical limits of India shall be excluded. ... Any kind of Out-Patient Treatment expenses ... Non-medical expenses mentioned in List I of Annexure 2. ... Expenses related to cataract treatment involving all types of Multi-focal Lenses","sources":[{"clause":"1","heading":"Pre-existing Disease Waiting Period – Code - Excl. 01 (Not Applicable for Infinix Now)","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-3"},{"clause":"2","heading":"Specified disease/procedure Waiting Period","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-3"},{"clause":"4","heading":"Investigation & Evaluation- Code- Excl 04","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care- Code- Excl 05","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-5-3"},{"clause":"8","heading":"Cosmetic or Plastic Surgery: Code- Excl 08","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-2"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl 09","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-9-2"},{"clause":"12","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-12-2"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl 17","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-17"},{"clause":"18","heading":"Maternity: Code Excl 18","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-18"},{"clause":null,"heading":"1. Personal Waiting period","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-personal-waiting-period"}],"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 through the website, customercare@manipalcigna.com (seniorcitizensupport@manipalcigna.com for senior citizens) or toll free 1800-102-4462. If not satisfied, write to The Grievance Cell, ManipalCigna Health Insurance Company Limited, Goregaon (East), Mumbai, or headcustomercare@manipalcigna.com.","display":"customercare@manipalcigna.com or 1800-102-4462, then the Grievance Cell (headcustomercare@manipalcigna.com)","note":"The CIS gives a different ladder: Level 1 headcustomercare@manipalcigna.com and 1800-102-4462; Level 2 Grievance Redressal Officer complaints@manipalcigna.com, 022-61703600; Level 3 Chief Grievance Redressal Officer Compliance@manipalcigna.com; Level 4 Ombudsman. The Ombudsman can be approached if a complaint is open for more than 30 days.","quote":"Email: customercare@manipalcigna.com, Senior Citizens may write to us at – seniorcitizensupport@manipalcigna.com ... Toll Free: 1800-102-4462 ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at, ... The Grievance Cell, ManipalCigna Health Insurance Company Limited, 401/402, 4th Floor, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai ... Or Email – headcustomercare@manipalcigna.com.","sources":[{"clause":"16","heading":"Redressal of Grievance","page":96,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-16-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs 10 lakh or Unlimited Base Sum Insured; the Active variant has bands from below Rs 7.5 lakh to above Rs 25 lakh.","display":"Rs 10L or Unlimited (Active variant: below 7.5L to above 25L)","note":"The documents give no full list of Base Sum Insured amounts; the bands come from the deductible discount grid (Active: <7.5L, 7.5L to 10L, 15L to 25L, >25L). Several benefits (Home Treatment, High-End Diagnostics, room upgrades, NRI/OCI discount) need Unlimited Base Sum Insured.","quote":"Plan Variant | Other than active | Active Eldest member age / BSI (₹) | 10L | Unlimited | <7.5L | 7.5L to 10L | 15L to 25L | >25L ... • 60 days (₹10L Sum Insured) ... • 90 days (Unlimited Sum Insured) before hospital admission.","sources":[{"clause":null,"heading":"Deductible - ₹ 1L","page":34,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-deductible-1l"},{"clause":"3","heading":"Pre-Hospitalization Medical Expenses","page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371#c-3"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Not applicable for Infinix Now. Does not apply where the person was continuously covered for more than 12 months. CIS: 'Initial Waiting Period: 30 days'.","quote":"3. 30 days Waiting Period - Code- Excl. 03 (Not Applicable for Infinix Now) ... a) Expenses related to the treatment of any illness within 30 days from the date of commencement of the first policy shall be excluded, except for claims arising due to an accident","sources":[{"clause":"2","heading":"Specified disease/procedure Waiting Period","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-3"}],"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":"Not applicable for Infinix Now. Optional Reduction of Waiting Period cuts it to 24 months; optional QuickAccess covers declared and accepted diabetes, hypertension, obesity, dyslipidaemia, asthma, hypothyroidism, migraine and leucoderma from the 31st day. A personal waiting period of up to 36 months may be applied by underwriting.","quote":"Pre-existing Disease Waiting Period – Code - Excl. 01 (Not Applicable for Infinix Now) ... shall be excluded until the expiry of 36 months of continuous coverage","sources":[{"clause":"1","heading":"Pre-existing Disease Waiting Period – Code - Excl. 01 (Not Applicable for Infinix Now)","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-3"}],"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 or 36 months by plan variant (Core plan: 36 months)","note":"The wording sets 36 or 24 months as per plan variant; the Core plan CIS says 36 months. Not applicable for Infinix Now. Where the default is 36 months, the optional Reduction of Waiting Period or QuickAccess cuts it to 24 months. Not applied to accident claims. Inside the wording, the Annexure 4 definition says 'a period up to 24 months', which contradicts the 36-month figure.","quote":"shall be excluded until the completion of 36 months or 24 months (as per plan variant opted) of continuous coverage ... b. Specified diseases/procedure Waiting Period: 36 months","sources":[{"clause":"2","heading":"Specified disease/procedure Waiting Period","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-3"},{"clause":"42","heading":null,"page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371#c-42"}],"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 or Fibromyoma or prolapse of Uterus or myomectomy for fibroids unless necessitated by malignancy","Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery","Prolapse of Intervertebral discs, all Vertebrae Disorders","All diseases of Ligament, tendon, meniscal tear","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","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery","Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, Breast lumps (unless malignant), Polycystic Ovarian Diseases","Any surgery of the Genito-urinary & biliary system unless necessitated by malignancy","Ailments listed in Table B under In-patient Hospitalization for Mental Illnesses"],"display":"Cataract, hysterectomy, joint replacement, spine disorders, hernia, piles, stones, ENT surgery, listed mental illnesses and others","note":"Item iii also lists Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal and Removal of Implants. Accident claims are not subject to this waiting period.","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 ... all diseases of Ligament, tendon, meniscal tear ... iv) Varicose Veins and Varicose Ulcers, ... v) Stones in the urinary genito-urinary and biliary systems ... vi) Benign Prostate Hypertrophy, all types of Hydrocele, ... vii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids ... 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. ... xi) Ailments listed in Table B under In-patient Hospitalization for Mental Illnesses","sources":[{"clause":"2","heading":"Specified disease/procedure Waiting Period","page":50,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-3"}],"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 amount.","quote":"After completion of 60 continuous months of coverage (including Portability and Migration) in health insurance policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"12","heading":"Moratorium Period","page":95,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-12-5"}],"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 with all family members can be ported to another insurer by applying at least 30 days, but not earlier than 60 days, before renewal, keeping accrued credit for waiting periods.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried over","note":"Migration to other ManipalCigna products is also allowed (apply at least 30 days before renewal). Free look does not apply on porting.","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 ... 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","sources":[{"clause":"9","heading":"Portability","page":94,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-9-5"}],"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","note":"Annexure 3: 'The policy shall ordinarily be renewable except on grounds of established fraud, non-disclosure, misrepresentation'. No maximum renewal age is stated.","quote":"i) Your policy can typically be renewed for life ... Renewal may only be declined in cases of misrepresentation, proven fraud, or non-disclosure of important facts.","sources":[{"clause":"8(i)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-i"},{"clause":"8(ii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-ii"}],"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. The renewal premium is not affected by individual claims experience, though the No Claim Discount resets after a claim.","display":"No loading for claims","note":"Contradiction inside the wording: the premium calculation clause lists 'claims history' among premium factors. No Claim Discount (2.5% to 7.5%, not in Infinix Active) resets after a claim.","quote":"Please be assured that your renewal premium will not be affected by your individual claims experience. ... d) No loading shall apply on Renewals based on individual claims experience. ... 1. If you make a claim, your claim-free year count will reset to zero.","sources":[{"clause":"8(iv)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-iv"},{"clause":"10","heading":"Renewal of Policy","page":95,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-10-5"},{"clause":"10(b)","heading":null,"page":62,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-10-b-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Alcoholism, drug, or substance abuse","Treatments received at heath hydros, nature cure clinics, spas","Dietary supplements and substances that can be purchased without a prescription","Refractive Error","Unproven Treatments","Sterility and Infertility","Maternity","Dental Treatment unless necessitated due to an Accident","Circumcision unless medically necessary","Instruments or devices used for the treatment of Sleep Apnea Syndrome","External Congenital Anomaly","Treatment received outside the geographical limits of India","Non-Allopathic treatments except AYUSH","Ionizing radiation, nuclear, chemical or biological attack","War, hostilities, rebellion, riots","Non-medical expenses mentioned in List I of Annexure 2","Cataract treatment involving Multi-focal Lenses","Any kind of Out-Patient Treatment expenses","Intentional self-injury or attempted suicide or suicide","Stem cell harvesting","Vaccination (except post animal bite treatment)","Hearing aids, spectacles or contact lenses","Alopecia, baldness","Artificial life maintenance after a vegetative state is certified","Prostheses, corrective devices or medical appliances not required intra-operatively","Hospital stay where no treatment is undertaken","Donor screening, or transplants of organs not harvested from a human body, except under Donor Expenses","Hospitalisation at a facility that is not a Hospital, Day Care Centre or AYUSH Hospital","Treatment by a Medical Practitioner outside his discipline","Treatment not of a reasonable charge or not Medically Necessary","Drugs or treatments not supported by a prescription"],"display":"Standard exclusions Excl 04 to Excl 18 and the product's own permanent exclusions","note":"Standard codes Excl 04 to Excl 18. Some are overridden by optional covers (maternity and vaccinations by New Beginnings, non-medical items by the Non-Medical Expenses cover, AYUSH by the AYUSH benefit). Underwriting may add a permanent exclusion in the Policy Schedule.","quote":"Investigation & Evaluation ... Rest Cure, rehabilitation and respite care ... Obesity/ Weight Control ... Change-of-Gender treatments ... Cosmetic or Plastic Surgery ... Hazardous or Adventure sports ... Breach of law ... Excluded Providers ... Expenses incurred towards treatment for Alcoholism, drug, or substance abuse ... Expenses incurred towards treatments received at heath hydros, nature cure clinics, spas ... Expenses incurred towards Dietary supplements and substances that can be purchased without a prescription ... Refractive Error ... Unproven Treatments ... Sterility and Infertility ... Maternity: Code Excl 18 ... Expenses incurred towards Dental Treatment, orthodontic treatment, dentures, or dental Surgery of any kind shall be excluded, unless such treatment is necessitated due to an Accident ... Expenses incurred towards circumcision shall be excluded, unless such procedure is medically necessary ... Expenses incurred towards Instruments or devices used for the treatment of Sleep Apnea Syndrome ... Expenses incurred towards the treatment of any External Congenital Anomaly ... Expenses incurred towards treatment received outside the geographical limits of India shall be excluded. ... Expenses incurred on Non-Allopathic treatments except AYUSH ... attributable to ionizing radiation, contamination by radioactivity from any nuclear fuel ... resulting from any chemical or biological attack ... foreign invasion, act of foreign enemies, hostilities or warlike operations ... rebellion, revolution, insurrection, military or usurped power, active participation in riots ... Non-medical expenses mentioned in List I of Annexure 2. ... Expenses related to cataract treatment involving all types of Multi-focal Lenses ... Any kind of Out-Patient Treatment expenses ... Expenses related to an Insured Person committing or attempting to commit intentional self-injury or attempted suicide or suicide. ... Stem cell harvesting. ... Vaccination including inoculation and immunisations (except post animal bite treatment). ... Expenses related to the provision or fitting of hearing aids, spectacles or contact lenses. ... Any treatment and associated expenses for alopecia, baldness ... Expenses incurred towards artificial life maintenance, including life support, after the patient has been certified to be in a vegetative state ... Expenses incurred towards prostheses, corrective devices, or medical appliances that are not required intra-operatively ... Expenses incurred towards any stay in a Hospital where no treatment is undertaken ... Expenses incurred towards donor screening, or costs incurred in organ transplant surgery involving organs not harvested from a human body, shall be excluded except for conditions covered under ‘Donor Expenses’ benefit. ... Hospitalization at a healthcare facility which is NOT a ... Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed. ... Any treatment or part of a treatment that is not of a reasonable charge or not Medically Necessary. ... Drugs or treatments which are not supported by a prescription. ... Investigation & Evaluation- Code- Excl 04 ... Maternity: Code Excl 18","sources":[{"clause":"4","heading":"Investigation & Evaluation- Code- Excl 04","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care- Code- Excl 05","page":51,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-5-3"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl 06","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-6-3"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl 07","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-2"},{"clause":"8","heading":"Cosmetic or Plastic Surgery: Code- Excl 08","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-2"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl 09","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-9-2"},{"clause":"10","heading":"Breach of law: Code- Excl 10","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-10-2"},{"clause":"11","heading":"Excluded Providers: Code- Excl 11","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-11-2"},{"clause":"12","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-12-2"},{"clause":"13","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-2"},{"clause":"14","heading":null,"page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-14-2"},{"clause":"15","heading":"Refractive Error: Code- Excl 15","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-15-2"},{"clause":"16","heading":"Unproven Treatments: Code- Excl 16","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-16"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl 17","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-17"},{"clause":"18","heading":"Maternity: Code Excl 18","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-18"},{"clause":null,"heading":"1. Personal Waiting period","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-personal-waiting-period"}],"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 can cancel any time with 7 days' written notice. For a 1-year policy with no claim, a proportionate refund for the unexpired days; no refund if a claim was made or any benefit availed. For longer policies, a proportionate refund if no claim in the current policy year; if a claim was made in the current year, only the premium for the remaining complete policy years is refunded.","display":"Proportionate refund if no claim; no refund for a 1-year policy after a claim","note":"Insurer may cancel on 15 days' notice for misrepresentation, non-disclosure or proven fraud (subject to moratorium) with no refund.","quote":"The Policyholder may cancel this policy anytime during the policy term by providing 7 days’ written notice. ... 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: ... 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.","sources":[{"clause":"7","heading":"Cancellation","page":92,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-5"},{"clause":"7(i)","heading":null,"page":93,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-i"},{"clause":"7(ii)","heading":null,"page":93,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-ii"}],"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":"Treatment outside India is also a listed exclusion. NRI/OCI discount exists but cover is still India only.","quote":"The geographical scope for all benefits (base and optional) under this Policy is restricted to incidents, medical expenses and treatments incurred or availed within India.","sources":[{"clause":"5","heading":"Geography","page":58,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-5-4"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only, not renewals, porting or migration. Refund less proportionate risk premium, medical examination and stamp duty costs, within 7 days of the request.","quote":"The Insured Person shall be allowed a free look period of 30 days from the date of receipt of the policy document to review the terms and conditions of the Policy and to return the same if not acceptable.","sources":[{"clause":"15","heading":"Free Look period","page":96,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-15-4"}],"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 instalment premiums)","note":"15 days for 3, 6, 9, 12, 24 or 36 monthly instalments. Continuity is kept only if renewed within the grace period.","quote":"Single | 30 days | No ... 12 monthly instalments | 15 days | Yes","sources":[{"clause":"7","heading":"Grace Period","page":58,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-3"}],"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":"not-stated","value":null,"display":null,"note":"The wording and Core CIS do not state minimum or maximum entry ages. The deductible discount grid starts at an age band of '91 days to 30 years' and the optional Personal Accident Plus cover allows entry from 18 to 65 years, but these are not the policy's entry ages.","quote":null,"sources":[],"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 premium","Monthly instalments (3, 6, 9, 12, 24 or 36 instalments)"],"display":"Single premium or monthly instalments (3 to 36)","note":"Instalments need standing instruction / NACH / auto-debit, carry a premium loading, and the EMI tenure cannot exceed the policy period. No yearly, half-yearly or quarterly mode is described.","quote":"The premium of your policy can be paid either as a single premium OR in accelerated instalments. ... EMIs will be payable on a monthly basis as per the EMI option selected by you, such as 3, 6, 9, 12, 24, 36 monthly instalments. ... Instalment option is available only if standing instruction / NACH / e-NACH / auto-debit authorization is provided. ... In case premium payment mode other than single payment is opted, a premium loading shall apply","sources":[{"clause":"13","heading":"Accelerated Instalments","page":80,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-4"},{"clause":"13(f)","heading":null,"page":81,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-f"},{"clause":"13(c)","heading":"Standing Instruction","page":81,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-c"},{"clause":"13","heading":"Premium Payment in Instalments (Wherever applicable)","page":95,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-5"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Personal Accident Plus (PA+)","Health Check-up","High-End Diagnostic Tests","Air Ambulance","Annual Aggregate Deductible","One-time Aggregate Deductible","Room Rent Modification","Coverage for Non-Medical Expenses & Durable Medical Equipment","New Beginnings","Reduction of Waiting Period","QuickAccess"],"display":"PA+, health check-up, high-end diagnostics, air ambulance, deductibles, room rent modification, non-medical expenses and DME, New Beginnings, reduced waiting, QuickAccess","note":"Wording says some optional covers may be inbuilt in a plan (see the prospectus plan chart). Reduction of Waiting Period and QuickAccess are mutually exclusive; the two deductibles and the GMC discount are mutually exclusive.","quote":"1. Personal Accident Plus (PA+) (Not available in Infinix Active) ... 2. Health Check-up (Not Applicable for Infinix Active) ... 3. High-End Diagnostic Tests (Not Applicable for Infinix Active) ... 4. Air Ambulance ... 5. Annual Aggregate Deductible ... 6. One-time Aggregate Deductible (Not Applicable for Infinix Active) ... 7. Room Rent Modification ... 8. Coverage for Non-Medical Expenses & Durable Medical Equipment ... 9. New Beginnings (Not Applicable for Infinix Active) ... 10. Reduction of Waiting Period (Not Available with Infinix Now & Infinix Active) ... 11. QuickAccess (Not Available with Infinix Now & Infinix Active)","sources":[{"clause":null,"heading":"1. Personal Accident Plus (PA+) (Not available in Infinix Active)","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-personal-accident-plus-pa-not-available-in-inf"},{"clause":null,"heading":"2. Health Check-up (Not Applicable for Infinix Active)","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-health-check-up-not-applicable-for-infinix-act"},{"clause":null,"heading":"3. High-End Diagnostic Tests (Not Applicable for Infinix Active)","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-3-high-end-diagnostic-tests-not-applicable-for-i"},{"clause":null,"heading":"4. Air Ambulance","page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-4-air-ambulance"},{"clause":null,"heading":"5. Annual Aggregate Deductible","page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-5-annual-aggregate-deductible"},{"clause":null,"heading":"6. One-time Aggregate Deductible (Not Applicable for Infinix Active)","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-6-one-time-aggregate-deductible-not-applicable-f"},{"clause":null,"heading":"7. Room Rent Modification","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-room-rent-modification"},{"clause":null,"heading":"8. Coverage for Non-Medical Expenses & Durable Medical Equipment","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-8-coverage-for-non-medical-expenses-durable-medi"},{"clause":null,"heading":"9. New Beginnings (Not Applicable for Infinix Active)","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-9-new-beginnings-not-applicable-for-infinix-acti"},{"clause":null,"heading":"What is not covered under New Beginnings","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-is-not-covered-under-new-beginnings"},{"clause":null,"heading":"11. QuickAccess (Not Available with Infinix Now & Infinix Active)","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-11-quickaccess-not-available-with-infinix-now-in"}],"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":"Not for single premium: no claim is covered during the grace period. Yes for instalment premiums: cover continues during the grace period.","display":"No for single premium; yes for instalment premiums","note":"Inside the wording, Annexure 3 (Renewal of Policy) says 'Coverage is not available during the Grace Period' without separating instalment payers.","quote":"b) If the premium payment mode is ‘Single’, kindly note that we will not be able to cover any claim for an illness, injury, accident, condition, or service that occurs or is availed during the Grace Period. ... c) If the premium payment mode is ‘instalment’, coverage shall be available during the Grace Period. ... ii) Coverage will be available during such Grace Period.","sources":[{"clause":"7","heading":"Grace Period","page":58,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-7-3"},{"clause":"13","heading":"Premium Payment in Instalments (Wherever applicable)","page":95,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-13-5"}],"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 by default (most economical single AC room); no rupee cap. Optional: Twin Sharing AC room (save) or upgrades to any room (Unlimited Base Sum Insured only).","display":"Up to Single private AC room","note":"Taking a costlier room triggers proportionate deduction. The 'no rupee cap' is because the limit is a room type.","quote":"By default you are covered upto Single AC private room. ... Upgrade | Any hospital room | Can be opted only with Unlimited Base Sum Insured ... Save | Upto Twin Sharing AC room | Can be opted with any Base plan variant ... 45. Single Private AC Room refers to the most economical air-conditioned single room with any rating available in the Hospital","sources":[{"clause":null,"heading":"What we cover","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-18"},{"clause":"46(d)(ii)","heading":null,"page":106,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-46-d-ii"}],"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; Twin Sharing AC room if the 'save' option is chosen; any room except suite or above, or any room, as upgrades with Unlimited Base Sum Insured.","display":"Single private AC room (options: twin sharing AC, any room excluding suite, any room)","note":"Room Rent Modification is an optional cover chosen at policy level at inception or renewal.","quote":"By default you are covered upto Single AC private room. ... Upgrade | Any hospital room | Can be opted only with Unlimited Base Sum Insured Upgrade | Upto Any hospital room (except a suite category room or above) | Can be opted only with Unlimited Base Sum Insured Save | Upto Twin Sharing AC room | Can be opted with any Base plan variant","sources":[{"clause":null,"heading":"What we cover","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-18"}],"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":"ICU or ICCU room charges are paid at actuals, whatever the room category.","display":"At actuals","note":"The at-actuals sentence sits in the Room Rent Modification key service terms; Table A lists ICU charges as covered with no limit.","quote":"2 | Intensive Care Unit (ICU) accommodation charges ... 1. ICU Coverage: If you are admitted in an ICU or ICCU, room charges will be covered at actuals, irrespective of your chosen room category. ... Proportionate deduction shall not be applicable to ‘ICU charges’.","sources":[{"clause":null,"heading":"TABLE A - List of Covered Medical Expenses","page":3,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-table-a-list-of-covered-medical-expenses"},{"clause":null,"heading":"Key Service Terms","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-23"},{"clause":null,"heading":"II. Specific Definitions","page":104,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-ii-specific-definitions"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. If a room above the eligible category is chosen, room rent and associated medical expenses are reduced in the ratio of eligible to actual room rent; pharmacy, consumables, implants, medical devices, diagnostics and ICU charges are not reduced.","display":"Yes, on room rent and associated medical expenses","note":null,"quote":"2. If you choose a hospital room that is higher than your eligible room category, you will need to pay a proportionate share of the associated medical expenses. ... 3. The proportionate deduction will apply to accommodation charges and associated medical expenses ... Such associated medical expenses do not include Cost of pharmacy and consumables, Cost of implants and medical devices and Cost of diagnostics. Proportionate deduction shall not be applicable to ‘ICU charges’.","sources":[{"clause":null,"heading":"Key Service Terms","page":3,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms"},{"clause":null,"heading":"II. Specific Definitions","page":104,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-ii-specific-definitions"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"A co-payment of 10% or 25% applies to each admissible claim when in-patient, day care or AYUSH treatment is taken at a hospital outside the opted PPN package (Classic, Premier, Premier +); 0% within the package, and none in life threatening emergencies.","display":"0% within your chosen hospital package; 10% or 25% outside it","note":"Extra 10% co-payment may apply if a stay beyond 10 days is not intimated within 10 days of admission; extra 20% for transplants at a non-network hospital without the required intimation or biopsy. The PPN clause does not apply to New Beginnings, domiciliary, home treatment and several other benefits.","quote":"2. If you choose a hospital that is not part of the opted PPN package, an additional co-payment will apply to each such admissible claim. This will be added on top of any other co-payment already applicable under the policy. However, this co-payment will not apply in life threatening medical emergencies. ... Classic | Classic | 0% Classic | Premier | 10% Classic | Premier + | 25% Premier | Premier OR Classic | 0% Premier | Premier + | 25% Premier + | Premier + OR Premier OR Classic | 0%","sources":[{"clause":null,"heading":"Key Service Terms","page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-11"},{"clause":null,"heading":"TABLE C","page":13,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-table-c"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional Annual Aggregate Deductible or One-time Aggregate Deductible is chosen.","display":"None unless opted","note":"Annual Aggregate Deductible: Rs 1L, 2L, 3L, 4L, 5L or 10L per policy year, with premium discounts. One-time Aggregate Deductible (not in Infinix Active): Rs 25,000, 50,000 or 1L once per block of 10 policy years, then waived. Aggregate basis.","quote":"The policy holder opts for them at the time of inception or renewal ... 5. Annual Aggregate Deductible ... 6. One-time Aggregate Deductible","sources":[{"clause":null,"heading":"II. Optional Benefits","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-ii-optional-benefits"},{"clause":null,"heading":"5. Annual Aggregate Deductible","page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-5-annual-aggregate-deductible"},{"clause":null,"heading":"6. One-time Aggregate Deductible (Not Applicable for Infinix Active)","page":36,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-6-one-time-aggregate-deductible-not-applicable-f"}],"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":"not-stated","value":null,"display":null,"note":"No named-treatment caps are printed. Modern Treatments are 'covered up to the limit specified in the Policy Schedule' (pointer only). Underwriting may apply a specific sub-limit on a declared condition as a special condition. Cataract with multi-focal lenses is excluded rather than capped.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days (90 days with Unlimited SI)","note":"From the Core plan CIS; the wording only says 'the number of days mentioned in your policy schedule'. Paid only if the in-patient or day care claim is paid; not for expenses before first inception. Other variants may differ.","quote":"• 60 days (₹10L Sum Insured) ... • 90 days (Unlimited Sum Insured) before hospital admission.","sources":[{"clause":"3","heading":"Pre-Hospitalization Medical Expenses","page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371#c-3"}],"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":90},"display":"90 days (180 days with Unlimited SI)","note":"From the Core plan CIS; the wording only says 'the number of days mentioned in your Policy Schedule'. Paid only if the in-patient or day care claim is paid. Other variants may differ.","quote":"• 90 days (₹10L Sum Insured) ... • 180 days (Unlimited Sum Insured) after discharge.","sources":[{"clause":"4","heading":"Post-Hospitalization Medical Expenses","page":2,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371#c-4"}],"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.","display":"All day care treatments covered","note":"Must be advised in writing and done at a registered hospital or day care centre. OPD treatment is not covered.","quote":"Under this benefit we’ll cover the medical expenses you incur during the Policy Period for all Day Care Treatments","sources":[{"clause":null,"heading":"What we cover","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-5"}],"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 when the patient cannot be moved to a hospital or no bed is available, for at least 3 consecutive days, with pre and post hospitalisation up to 30 days each.","display":"Yes, at least 3 days; pre/post 30 days each","note":"Excludes asthma, respiratory infections, arthritis, diabetes, epilepsy, hypertension, diarrhoea, pyrexia of unknown origin and others. Separate Home Treatment benefit (Unlimited Base Sum Insured only, up to 60 days per year, prior approval) covers listed conditions.","quote":"1. Your medical condition must be such that you are unable to move to a hospital, or circumstances must be such that there’s no hospital bed available. ... 2. The Domiciliary Hospitalization treatment must continue for at least 3 consecutive days. ... we will also cover pre-hospitalization medical expenses up to 30 days and post-hospitalization medical expenses up to 30 days","sources":[{"clause":null,"heading":"Key Service Terms","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-8"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient AYUSH treatment at a registered AYUSH Hospital is covered up to the Base Sum Insured, for stays of at least 24 consecutive hours.","display":"Covered up to Base Sum Insured; 24-hour stay needed","note":"Wellness, rejuvenation, detox and Panchakarma treatments are not covered.","quote":"we will cover the medical expenses specified in Table A above that you incur during the policy period for an AYUSH Hospitalization (Ayurveda, Yoga & Naturopathy, Unani, Siddha, or Homeopathy) taken at a registered AYUSH Hospital. ... 1. The treatments listed under this benefit are covered only if the hospital stay is at least 24 consecutive hours ... 12 | AYUSH Treatment | Both Cashless and Reimbursement | Base SI","sources":[{"clause":null,"heading":"What Is Covered","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-is-covered"},{"clause":null,"heading":"Key Service Terms","page":12,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-10"},{"clause":null,"heading":"TABLE D","page":70,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-table-d"}],"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":"Listed modern treatments are covered during hospitalisation (including robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy for bone marrow transplant), up to the limit in the Policy Schedule and only with prior approval.","display":"Listed treatments covered up to the Policy Schedule limit, prior approval needed","note":"The cap itself is not printed (Policy Schedule). Without prior approval the claim may be limited to the cost of conventional treatment. Others listed: UAE and HIFU, balloon sinuplasty, deep brain stimulation, intra vitreal injections, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporisation, IONM.","quote":"4. Oral chemotherapy 5. Immunotherapy - Monoclonal Antibody to be given as injection ... 7. Robotic surgeries ... 12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered. ... 1. Expenses incurred towards Modern Treatments and Procedures shall be covered up to the limit specified in the Policy Schedule. ... It is mandatory to provide prior intimation to Us for both cashless and reimbursement claims and to obtain prior approval from Us before commencement of the treatment.","sources":[{"clause":null,"heading":"What we cover","page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-2"},{"clause":null,"heading":"Key Service Terms","page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. Organ harvesting costs, donor pre and post hospitalisation up to 30 days each, donor screening, and donor complications up to Rs 2 lakh per policy year over the Base Sum Insured.","display":"Yes; donor complications up to Rs 2 lakh extra","note":"Screening only if the organ is harvested and the transplant succeeds, one donor per policy year. Cost of buying an organ is not covered.","quote":"We will indemnify the medical expenses related to harvesting an organ from a donor incurred during the Policy Period, as long as the Insured Person is the one receiving the organ. ... 1. Pre-hospitalization expenses: up to 30 days before admission of the donor in a hospital. 2. Post-hospitalization expenses: up to 30 days after discharge of the donor from the hospital ... 1. Coverage for complications is available up to ₹2 lakh per policy year 2. This benefit is independent and over and above the Base Sum Insured ... We will reimburse medical expenses incurred during the Policy Period for donor screening required before an organ transplant.","sources":[{"clause":null,"heading":"A. Organ Harvesting Expenses","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-a-organ-harvesting-expenses"},{"clause":null,"heading":"B. Organ Donor Medical Expenses","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-b-organ-donor-medical-expenses"},{"clause":null,"heading":"C. Organ Donor Complication Support","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-c-organ-donor-complication-support"},{"clause":null,"heading":"D. Donor Screening Expenses","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#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 costs for an emergency are reimbursed from the Base Sum Insured, with no separate limit printed, when the hospitalisation claim is paid.","display":"Road ambulance covered, paid from Base Sum Insured","note":"Optional Air Ambulance: up to Rs 10 lakh per policy year over the Base Sum Insured, within India only.","quote":"We’ll reimburse costs for a road ambulance incurred for an emergency during the Policy Period in the following situations: ... 7 | Road Ambulance | Reimbursement only | Base SI","sources":[{"clause":null,"heading":"What we cover","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-9"},{"clause":null,"heading":"TABLE D","page":70,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-table-d"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"No restoration or refill of the sum insured is described. An Unlimited Base Sum Insured option exists.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"No bonus that increases the sum insured is described. There is a No Claim Discount on the renewal premium (2.5%, 5%, 7.5% after 1, 2, 3 claim-free years; not in Infinix Active) that resets after a claim. The New Beginnings benefit limit grows 100% a year after two years, up to 1000% of the base limit.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered in the base policy: items in List I of Annexure 2 (such as gloves) are excluded. Covered if the optional Non-Medical Expenses cover is chosen.","display":"Excluded unless the optional Non-Medical Expenses cover is chosen","note":"The optional cover pays from the Base Sum Insured. Table A covers consumables used intra-operatively during surgery.","quote":"Non-medical expenses mentioned in List I of Annexure 2. ... List I – Items for which Coverage is not available in the Policy ... GLOVES ... We will indemnify expenses for non-medical items, such as consumables, incurred during hospitalization in the Policy Period. These items are usually not covered under the policy and are listed in List I of Annexure 2.","sources":[{"clause":null,"heading":"1. Personal Waiting period","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-personal-waiting-period"},{"clause":"Annexure 2","heading":null,"page":87,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-annexure-2"},{"clause":null,"heading":"What we cover","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-20"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Excluded in the base policy. Covered only with the optional New Beginnings cover, after a 12-month waiting period, within its benefit limit (base limit Rs 5,000, 10,000 or 20,000, growing over time).","display":"Not covered unless optional New Beginnings is bought (12-month wait)","note":"New Beginnings (not in Infinix Active) covers delivery, lawful termination, pre-natal 270 days and post-natal 90 days, newborn and first year vaccinations; limit grows 100% a year after 2 policy years up to 1000% of base; maximum 2 events per lifetime. No waiting for those porting with prior maternity cover.","quote":"Maternity: Code Excl 18 ... a) Medical treatment expenses traceable to childbirth, including complicated deliveries and caesarean sections incurred during hospitalization, shall be excluded, except in case of ectopic pregnancy; ... you can choose a base benefit limit of ₹5,000, ₹10,000, or ₹20,000 ... 1. Waiting Period: A waiting period of 12 months applies from the date of commencement of this optional benefit.","sources":[{"clause":"18","heading":"Maternity: Code Excl 18","page":53,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-18"},{"clause":null,"heading":"Benefit Limit applicability for New Beginnings","page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-benefit-limit-applicability-for-new-beginnings"},{"clause":null,"heading":"Key Service Terms applicable to New Beginnings","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-applicable-to-new-beginnings"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Only with the optional New Beginnings cover: newborn in-patient or day care expenses for up to 90 days from birth, within the New Beginnings limit. The baby can be added to the policy after 90 days of birth.","display":"Only with optional New Beginnings, up to 90 days from birth","note":"First year vaccinations are also covered under New Beginnings.","quote":"We will indemnify In-patient Care hospitalization (24 hours or more) OR day care treatment expenses of the newborn baby for up to 90 days from birth, within the new beginnings benefit limit ... 2. The New-Born Baby can be added to the policy (subject to underwriting) as an Insured Person after 90 days of birth by paying the requisite additional premium","sources":[{"clause":null,"heading":"What we cover under New-Born Baby Expenses","page":46,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-under-new-born-baby-expenses"},{"clause":null,"heading":"Key Service Terms for New-Born Baby Expenses","page":46,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-for-new-born-baby-expenses"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"Covered: in-patient treatment for the listed mental health conditions (Table B), with a stay of at least 24 consecutive hours, up to the Base Sum Insured.","display":"Covered for listed conditions, 24-hour stay needed","note":"Table B lists ICD-10 codes F05 to F99 (delirium, schizophrenia, bipolar, depression, anxiety, OCD, ADHD and others). These conditions also carry the specified disease waiting period. Emotional Quotient adds psychologist tele-consultations (not in Infinix Active).","quote":"If hospitalization is required for the treatment of a mental illness or a condition affecting mental health, we will cover the eligible medical expenses listed in Table A above. ... 2. The treatments listed under this sub-benefit are covered only if the hospital stay is at least 24 consecutive hours","sources":[{"clause":null,"heading":"What we cover","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-4"},{"clause":null,"heading":"Key Service Terms","page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-4"}],"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":"Only with the optional Health Check-up cover: once every policy year for each insured aged 18 or above, from the first year, cashless at network providers.","display":"Optional: once a policy year for adults","note":"Not in Infinix Active. Unused check-ups lapse. Opted at policy level.","quote":"2. Health Check-up (Not Applicable for Infinix Active) ... every Insured Person who is 18 years or above at the start of a Policy Year can avail a Health Check-up once during every Policy Year, including the first Policy Year. ... 2. This benefit is available only on a cashless basis and must be taken only through our Network available for this benefit.","sources":[{"clause":null,"heading":"2. Health Check-up (Not Applicable for Infinix Active)","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-2-health-check-up-not-applicable-for-infinix-act"},{"clause":null,"heading":"What we cover","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-what-we-cover-13"},{"clause":null,"heading":"Key Service Terms","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-18"}],"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":"OPD treatment is not covered; unlimited tele-consultations with a General Physician are included (cashless only).","display":"Not covered; unlimited GP tele-consultations","note":"In-clinic consultations, tests and medicines are not covered under tele-consultation.","quote":"16. Any kind of Out-Patient Treatment expenses including fractures (not requiring any kind of hospitalization) ... a) You can avail this benefit unlimited times during the Policy Period. b) Tele-consultations are available only on a cashless basis.","sources":[{"clause":null,"heading":"1. Personal Waiting period","page":54,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-personal-waiting-period"},{"clause":null,"heading":"Key Service Terms","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-key-service-terms-13"}],"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 of the proposer's address (Mumbai, Delhi NCR, Hyderabad and others, down to Rest of India). No zone-based co-payment is stated.","display":"Yes, premium varies by zone of the proposer's address","note":"Zones run from Zone 1 (Mumbai, Navi Mumbai, Thane) to Zone 11 (Rest of India). Co-payment depends on the hospital package (PPN), not the zone.","quote":"Premium will be calculated based on the Base Sum Insured opted, Plan variant opted, age of each insured member, risk classification, optional covers chosen, claims history, and zone classification. The zone classification will be determined based on the proposer’s address details provided in the Proposal Form.","sources":[{"clause":"9","heading":"Premium calculation & Zone Classification","page":59,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-9-3"}],"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 the insurer's network hospitals. Hospitals in the chosen PPN package that are not network hospitals are paid by reimbursement only.","display":"Yes, at network hospitals","note":"Pre and post hospitalisation, road ambulance, domiciliary and home treatment are reimbursement only (Table D).","quote":"You can avail the cashless facility typically only at any of our Network Hospitals. ... However, the cashless claim facility is available only at Network Hospitals.","sources":[{"clause":"4","heading":"Cashless Facility","page":74,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-4-5"},{"clause":"46(d)(ii)","heading":null,"page":106,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-46-d-ii"}],"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":"ManipalCigna, which may use a service partner or a Third Party Administrator (TPA) named on the Health Card.","display":"Insurer, possibly through a TPA","note":null,"quote":"cashless and reimbursement claim processing, as well as access to our Network Hospitals, may be supported through our service partner or Third Party Administrator (TPA). Information about the applicable TPA will be available on the Health Card issued by Us and on our website.","sources":[{"clause":"1(c)","heading":"Claim Processing and Network Hospital Services","page":72,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-1-c"}],"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":null,"quote":"1. Your coverage may be on an individual basis or a family floater basis, as mentioned in your Policy Schedule.","sources":[{"clause":null,"heading":"B. Operative Clause","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370#c-b-operative-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"ManipalCigna Infinix TnC","pages":108,"fetched_at":"2026-10-19 17:10:39.424159+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix Policy Wordings/dfcbe918-f80e-c31a-c4f5-2f42c55085dd?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/370"},{"kind":"prospectus","label":"ManipalCigna Infinix Annexure to Prospectus Core Plan","pages":2,"fetched_at":"2026-10-17 19:47:21+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix - Annexure to Prospectus_Core Plan/66e277c5-74eb-9a8f-272b-798e8e450bfd?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12650"},{"kind":"prospectus","label":"ManipalCigna Infinix Annexure to Prospectus Now Plan","pages":2,"fetched_at":"2026-10-17 19:47:32+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix - Annexure to Prospectus_Now Plan/11e062bd-7f48-fdf8-a869-f21fb5353e7c?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12655"},{"kind":"prospectus","label":"ManipalCigna Infinix Prospectus","pages":119,"fetched_at":"2026-10-17 19:47:42+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix Prospectus/85b4d9f3-4230-5cf0-8881-11d6a0609e56?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12658"},{"kind":"cis","label":"ManipalCigna Infinix CIS Core Plan","pages":12,"fetched_at":"2026-10-19 17:10:39.424159+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/CIS_Core/9b361ffb-68c8-973a-a17c-43769889eb37?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/371"},{"kind":"cis","label":"ManipalCigna Infinix Annexure to CIS Core Plan","pages":2,"fetched_at":"2026-10-17 19:47:20+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix - Annexure to CIS_Core Plan/240e55c1-52d2-a24e-7eb9-c16a51b71d59?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12651"},{"kind":"cis","label":"ManipalCigna Infinix Annexure to CIS Now Plan","pages":2,"fetched_at":"2026-10-17 19:47:31+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/ManipalCigna Infinix - Annexure to CIS_Now Plan/9fadc897-2ce4-2cb7-6778-70d207785d8c?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12653"},{"kind":"cis","label":"ManipalCigna Infinix CIS Now Plan","pages":12,"fetched_at":"2026-10-17 19:47:51+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/CIS_Now/f2d0da51-25a2-8679-c0ad-d6f7eda2785d?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12661"},{"kind":"brochure","label":"ManipalCigna Infinix Infinix Brochure","pages":14,"fetched_at":"2026-10-17 19:47:54+00","source_url":"https://www.manipalcigna.com/documents/10140644/0/Infinix Brochure/b965bd3f-4ab4-0c37-eb15-15cfea371eae?t=28","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627/document/12663"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Manipal Cigna Health Insurance official website","url":"https://www.manipalcigna.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://claim.manipalcigna.com/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.manipalcigna.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew online","url":"https://online.manipalcigna.com/erenewal/renew?source=NWEB","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ManipalCigna Infinix (UIN MCIHLIP27044V012627), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-infinix-mcihlip27044v012627"}