ManipalCigna Global Health Group Policy

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.

What’s ManipalCigna Global Health Group Policy?

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.

Features of ManipalCigna Global Health Group Policy

Some of the key features of this ManipalCigna health insurance policy are:

Benefits of ManipalCigna Global Health Group Policy

The policy offers the following benefits:

• Inpatient hospitalization
• Outpatient benefits
• Daycare benefits
• AIDS/HIV and Out of boundary emergency Medical expense cover
• Worldwide medical emergency services
• Maternity Cover and New-born Benefits
• Vision and Dental Treatment
• Psychological and Psychiatric Care
• Wellness and Health Benefits
• Limitation to pocket expenses of the insured
• Covers special services like Emergency Evacuation, Hospice, Travel vaccination, palliative care, Complementary treatments, Cancer cover, Repatriation, etc.

Exclusions of ManipalCigna Global Health Group Insurance Policy

Things that are excluded from this ManipalCigna health insurance policy are:

• HIV, AIDS or other sexually transmitted illness
• Death attributed to self-inflicted injury or suicide
• All pre-existing condition or disability which is a result of pre-existing diseases
• Genetic and mental disorder
• Illness or condition arising out of drug abuse, hazardous activities or any illegal activity
• Foreign invasion, war, participation in any naval, military or air-force operations
• Congenital diseases, defects or anomalies, or any related illness.

Eligibility Criteria to Purchase ManipalCigna Global Health Group Policy

The following eligibility criteria are to be met to buy this policy:

• Only those employees and dependents who are nominated by the company or organization (should be a registered organization in India) will be covered under this plan.
• The minimum age is 18 years, and the maximum age is 95 years.
• Employees and dependents who are above 65 years of age are covered after special approval and underwriting as per the norms, terms, and conditions of the policy and the insurance company.
• Although dependent parents are not eligible for coverage, dependent children from the age of 1-25 can be covered under the ManipalCigna Global Health Group Policy.

Claim Process of ManipalCigna Global Health Group Policy

The Claims can be of two types – Planned hospitalization or emergency hospitalization, where cashless or reimbursement claim can be filed.

• Planned Hospitalisation– The insurance company must be informed at least 3 days prior to the admission of the policyholder into the hospitals. The insured or the nominee needs to provide certain details and documents at the time of claim, which is mentioned below.
• Emergency Hospitalization: The insurance company must be informed either through a phone call or in written (email, letter, or direct information at the nearest branch) within 48 hours of the policyholder's hospitalization. Any claims that are registered after the discharge of the insured will not be taken into consideration.

Details to be provided and submitted at the time of claiming ManipalCigna Global Health Group Insurance Plan are:

• The insured must be ready with his policy number and health card in case he has that handy.
• Name and complete details of the policyholder like his contact number, address, email id, etc.
• Name and relation of the insured person on whose name the claim is being lodged.
• The nature and type of the illness, ailment, or disease he is suffering and the reasons how he contracted it.
• Name and address of the hospital and the professional medical team and practitioner who is treating the insured.
• The exact date of admission of the insured into the hospital.
• Any other necessary document that may be asked from the hospital or insurance company authorities at the time of hospitalization.
• As soon as the discharge from the hospital is done, these documents should be submitted to the company within 90 days so that they are properly verified, investigated, and authorized not to delay the claim settlement and approval procedures.

Claim Documents

List of Documents to be provided to claim ManipalCigna Global Health Group Insurance Policy in case of a medical contingency:

• Claim form which needs to be duly filled and signed by the insured
• The complete discharge summary from the hospital
• Notes of the doctor and operation theatre note assigned and declared by the professional practitioners
• The main and original bill received from the hospital
• The immediate break-up and the details of each and every expense as mentioned in the bill
• Original tests, investigation, and diagnostic reports like X Rays, MRI scan reports, CT scans, etc.
• Doctor’s prescription and reference slips as asked by the insurance company in the same format for further investigation
• All bills related to drugs, chemists, medicine, and pharmacy
• MLC, FIR Report, or a post-mortem report if applicable in case of an accident, unusual mishap, or death

How to Purchase ManipalCigna Global Health Group Insurance Policy?

There are two options which can be used to purchase a new plan or policy under ManipalCigna Global Health Group Insurance:

• Contact the local branch or appoint a professional agent to cater to the purchasing needs who can diligently explain all products of the company, inclusions, and exclusions and get the agreement and contract process between the insurance company and the buyer.
• The applicant also has the option to buy the policy online through an aggregator websites such as paisawiki.com, wherein the applicant needs to fill out a proposal form and fill in all the relevant details like personal information, salary, and health-related information , attach important documents, read and accept the terms and conditions, make an online payment and have the policy processed. A soft copy of the policy will be immediately mailed to the applicant, and is covered immediately by ManipalCigna Health Insurance.

Renewal of ManipalCigna Global Health Group Insurance Policy

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.

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