*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Regarding international health care benefits, ManipalCignaHealth Insurance has tailored policies according to what an organization or its member needs. ManipalCigna Global Health Group plan is one such policy that offers comprehensive health and wellness programs with optional covers designed to fit the requirements of the Non-Employer Employee segment, Employer-Employee, Spouse, Parent, and Dependent Children.
The best part of this policy is that it covers the working population, whether working in their country or in foreign countries under a single base. Over 1 million service providers are catering to the needs and insurance issues of these employees and their dependents across the globe. The corporates bought this policy as a group policy to cover all their employees and immediate dependents.
It is a type of policy that permits an employer to extend the advantages of a health insurance policy to all its employees, whether they are Indians or expatriates. The plan covers inpatient and outpatient medical advantages, hospitalization, and daycare benefits. The plan's unique selling point is that it provides global coverage that allows corporates to cover their employees even while they are traveling and even for pregnancy and newborn baby-related medical issues.
Some of the key features of this ManipalCigna health insurance policy are:
Eligibility Age |
Minimum Entry age – 18 years and maximum age of the insured – 95 years |
Basis of the policy |
Individual basis – covers only the employee and his family members (dependents) |
Premium to be paid |
Premium Calculation is done on the following factors: • Zone and the city • The company taking the group insurance • Group size • At the discretion of the insurance company
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Policy Term |
1 year |
Coverage |
Coverage of children – Day 1 to age 25 Employees and dependents are covered under this plan |
Renewability |
In accordance with the age limits, it can be renewable every year. |
Sum Insured |
Minimum Sum Insured – Rs 50 lakh Maximum Sum Insured – Rs10 crore |
Medical screening |
Not required up to 65 years of age |
Deductible options |
Following Options are available: • 1st Option – Rs 15000 • 2nd Option – Rs30000 • 3rd Option – Rs 60000 |
Portability |
After having a continuous coverage policy with ManipalCigna Global Health Group Policy for one year, the policy can be ported to another insurer after submitting an application at least 45 days prior to the |
Co-Payment |
Not applicable in case of optional benefits. Otherwise, a co-payment of 20% is allowed, and the insurance company will be liable to pay only 80% of the medical expense amount.
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The policy offers the following benefits:
Things that are excluded from this ManipalCigna health insurance policy are:
The following eligibility criteria are to be met to buy this policy:
The Claims can be of two types – Planned hospitalization or emergency hospitalization, where cashless or reimbursement claim can be filed.
Details to be provided and submitted at the time of claiming ManipalCigna Global Health Group Insurance Plan are:
List of Documents to be provided to claim ManipalCigna Global Health Group Insurance Policy in case of a medical contingency:
There are two options which can be used to purchase a new plan or policy under ManipalCigna Global Health Group Insurance:
When the policy's tenure reaches its termination, the insured must get the policy renewed within 15 days of its expiry. 30 days grace period is provided to make the payment and renew the policy. In case the payment is not made within the grace period, the previous plan gets lapsed or canceled, and a fresh policy will have to be re-issued to the policyholder.
With 3 simple steps, ManipalCigna Global Health Group Insurance Policy can be renewed with Paisawiki.com:
Step 1 – The applicant needs to go online, and navigate through the official website of Paisawiki, then click on the ‘Renewal Tab’.
Step 2 – Then, he/she needs to mention the personal details like name, contact information, address, DOB, age, medical conditions, etc. and the policy number of the previous plan.
Step 3 – After filling all the details, the insured needs to make the online payment using his debit/credit card details or net banking details towards the policy's renewal. The policy will be renewed and processed, and an updated policy will be mailed to the policyholder immediately.
Ans: These groups are recommended and authorized by the company they are working for. As per the regulations and norms of IRDAI, these group policies can be purchased for a minimum of 7 people to be covered in a group, but this number is subject to change at any point in time. Also, the second condition is that the sole purpose or ultimate goal of purchasing the policy should not be to purchase insurance, but it should also cater to other benefits the employees and the group can gain from the insurance plan.
Ans: Inpatient hospitalization and the expenses regarding the same are as follows:
Ans: If the specialist or medical practitioner recommends and prescribed the insured to avail services of a home nurse after the discharge from the hospital, then all expenses related to the cost of the availed services come under the home nursing charges. A qualified and professional nurse will be arranged from the hospital to visit the policyholder, and the insurance company will bear the expenses.
Ans: Complementary medical services comprise the following:
Coverage details can be referred to as specified in the policy schedule.
Ans: There is no cumulative bonus or no claim bonus that can be availed under ManipalCigna Global Health Group Policy.
Ans: Any person may be added to the existing policy by charging an additional premium on a pro-rata basis (in case of addition) and as authorized by the employer and approved by the insurance company.
Any Insured person may be deleted if the employer requests so, and the refund of premium is again made on a pro-rata basis with the condition that no balance amount is pending regarding the policyholder or his dependents.
Ans: If the insured changes his job and is no more an employee of the employer who bought the policy, he/she can port his insurance document to the other insurer if the person meets the following conditions:
Ans: The group policy is available for
Covers Employee’s Dependent Partner or Spouse, Dependent Children, and Parents.