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Sum Insured Options

Rs. 50000, 1 lac, 1.5 lacs, 2 lacs, 2.5 lacs, 3 lacs, 3.5 lacs, 4 lacs, 4.5 lacs, 5 lacs  

Policy Period

a) 3 ½ months    b) 6 ½ months   c) 9 ½ months

Entry Age

The minimum entry age is 1 day for children and 18 years for adults. Maximum entry age limit for adults is 65 years. Dependent Children will be covered up to 25 years in the policy. 

Premium Payment Options

Single premium payment mode available

Relationships Covered

Individual plan can be bought for self, lawfully wedded spouse, dependent children up to the age of 25 years, parents, parent in laws.

A family floater plan can cover self, lawfully wedded spouse, dependent children up to the age of 25 years, parents, parent in laws. A floater cover can cover a maximum of 2 adults and 3 dependent children under a single policy.

Basic Covers

Covid Hospitalisation Cover

We will cover the hospitalisation expenses of the Insured Person during the Policy period for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre. Expenses of hospitalisation for a minimum period of 24 consecutive hours only shall be admissible.

Ambulance Charges

Expenses on Road Ambulance will be covered subject to a maximum of Rs.2000/- per hospitalisation.

Home Care Treatment Expenses

We will cover cost of treatment incurred by the insured person on availing treatment at home for maximum up to 14 days per incident as per policy terms and conditions.

AYUSH Treatment
We will cover medical expenses incurred on hospitalisation for Covid under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) Treatment.

 

Pre-hospitalization

We will indemnify the pre-hospitalization/home care treatment medical expenses incurred, related to an admissible hospitalization/home care treatment, for a fixed period of 15 days prior to the date of admissible hospitalisation/home care treatment

    

Post-hospitalization

We will indemnify the post hospitalization//home care treatment medical expenses incurred, related to an admissible hospitalization//home care treatment, for a fixed period of 30 days from the date of discharge from the hospital.

Optional Cover
Hospital Daily Cash

We will pay 0.5% of sum insured per day for each 24 hours of continuous hospitalisation for treatment of Covid following an admissible hospitalisation claim under this policy, maximum up to 15 days during a policy period in respect of every insured person.

Discounts

5% discount in premium shall be provided to health care workers.

First 15 days Waiting Period

Expenses related to the treatment of Covid within 15 days from the first policy commencement date will not be covered.

Free-look Period

Free-look period is not applicable

 

Grace Period

Grace period is not applicable

 

Renewal

Renewal terms are not applicable

 

Portability

Portability clause is not applicable

 

Migration

Migration clause is not applicable

Cancellation

The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts fraud by the Insured Person by giving 7 days’ written notice.

Key Exclusions

We will not pay any claims arising out of or attributable to any of the following:

  • All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.

  • Any expenses incurred on Day Care treatment and OPD treatment.

  • Diagnosis /Treatment outside the geographical limits of India.

  • Any claim in relation to Covid where it has been diagnosed prior to policy start date.

The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions

(available in Downloads section) for complete details.

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Corona Kavach Policy, ManipalCigna UIN: MCIHLIP21070V012021. Launch Date: 10th July 2020.