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A Guide to ManipalCigna Lifetime Health Plan

Life’s uncertainties can strike without warning. You have to prepare yourself to face them. In our busy lives, being healthy has become a challenging task for people. Stressful schedules can lead to several critical illnesses for which the treatments are very expensive.

It is imperative to avail a health insurance plan that gives you extensive coverage against all the major diseases. Having a health insurance plan means you will have the best medical care without any strain on your finances.

Since the COVID-19 pandemic, people have become more conscious of their lifestyles. Their purchasing behavior has changed from

“Why should I purchase health insurance?” to

“How can I get the best health insurance plan to suit me through the journey of life?”

They need a product that will protect them throughout their lives. To cater to customer demand and address the gaps currently existing in the Indian Insurance market, ManipalCigna has come up with ManipalCigna Lifetime Health, a remarkable health insurance plan designed to secure an individual’s and family’s domestic and global healthcare needs at every stage of life.

Things to Know About ManipalCigna Lifetime Health Plan

The ManipalCigna Lifetime Health plan has been carefully designed, keeping in mind customers’ anxieties about the future and the urge to protect themselves and their families from unfortunate circumstances. Through its comprehensive coverage, customizable features, and wide-ranging benefits, it aims to secure customers from the ups and downs of life–at any stage of their lives.

Let’s delve into the details and understand what this plan is about.

  • The ManipalCigna Lifetime Health plan is one of its kind product available in the Indian market offering separate and independent sum insured options for both domestic coverage (coverage within India) and global coverage (coverage outside India)
  • This plan comes with two variants – the Lifetime Health India Plan, which provides coverage for hospitalizations and related expenses in India whether due to illness or injury. The other one is the Lifetime Health Global Plan, which is a blend of domestic coverage (providing coverage for hospitalizations and related expenses in India whether due to illness or injury) and global coverage (outside India) within the opted Area of coverage, for hospitalization and related expenses for up to 27 major illnesses.
  • It comes with sum assured options ranging from INR 50 lakh to INR 3 crore.
  • In addition, this plan also comes with three packaged options comprising Health+, Women+, and Global+ along with the Critical Illness rider.

Eligibility for the ManipalCigna Lifetime Health Plan

  • The minimum age to avail of this product is 91 days for kids and 18 years for adults.
  • The maximum age to avail of this product is 25 years (for children under a floater) and 65 years for adults

Reasons for choosing the ManipalCigna Lifetime Health Plan

1. Comprehensive Coverage

Sum insured up to INR 3 Crore each, for domestic and global coverage. For a sum insured of INR 2 crore, any room category is available (except a suite or higher). For a sum insured of INR 3 crore, any room category, inclusive of a suite, is available. To make your life more peaceful, this plan also offers coverage for unrelated illnesses. Under the Global health insurance plan, there is no room rent capping for hospitalization outside India.

2. Rewarding Relationship

If you keep this plan continuing for years, the company will reward you with discount benefits. An insured person will get a 5% loyalty discount starting from the 4th policy year onwards to the 7th policy year. From the 8th policy year onwards, you will get a 10% loyalty discount on the applicable premium, every year till the lifetime of the insured. If you avail of the coverage for 2 or more family members in a single individual policy, you will receive a 15% family discount on premiums. If you renew the policy via NACH or Standing Instruction, you will get an additional discount of 3% on the renewal premium.

3. Personalized Plans

ManipalCigna is one of the few health insurance companies that give its customers the freedom to customize the plan to suit their needs. The choice of various need-based value packages comprising Health+, Women+, and Global+ along with Critical Illness rider.

4. Quality Access

This plan offers you lifetime access to quality healthcare in India and abroad. With this plan, you will get the power to avail advanced treatments without stressing about the costs. Having a plan that allows you to get quality treatment anywhere globally means it will make your life hassle-free.

5. Hospitalization Expenses

This plan will cover an insured person’s medical expenses in case of hospitalization. For treatment requiring hospitalization of less than 24 hours, the plan covers daycare treatment. Pre- and post-hospitalization costs are also covered under this plan.

6. Modern and Advanced Treatment Coverage

ManipalCigna believes everyone should get the best treatment and that’s why this plan will cover the medical expenses incurred towards the modern and advanced treatment in India and abroad.

7. Mental Care Cover

This plan will cover the medical expenses towards Medically Necessary treatment taken during inpatient hospitalization for mental illnesses, like depression, anxiety, mood swings, developmental disorders, or conditions impacting mental health.

8. Value Based Affordable Plan

Let’s say a high-value cover through a general comprehensive health insurance plan (Sum Insured of INR 10 lakh for a healthy male aged 40 years) will cost around INR 11,852  (including taxes), whereas ManipalCigna Lifetime Health plan will cost you just INR 14,213 for INR 1 crore of Sum Insured. By paying approx. INR 2,300 extra you will get the coverage of INR 90 lakh more with the ManipalCigna Lifetime Health plan.

Frequently Asked Questions

Q1. Can a foreign National buy a global plan?

The Global Plan is available to all Insured Persons provided they are residents of India at the inception of the Policy and at subsequent renewals of this plan, defined as those individuals who reside in India for 182 days or more in the preceding 365 days.

Q2. Why choose the ManipalCigna Lifetime Health Plan?

ManipalCigna Lifetime Health Insurance Plan comes with high coverage up to INR 3 Cr. It is a feature-rich plan that can be easily customized based on your unique needs and can be adapted to your changing requirements throughout your life.  In ManipalCigna Lifetime Health you will also get the continuity benefit on the entire Sum Insured for porting your existing health insurance Sum Insured (excluding bonus) of INR 10 lacs or more.

Q3. Does this plan cover the HIV/AIDS & STD cover?

Yes, this plan will take care of the medical expenses incurred towards treatment taken during inpatient hospitalization of an insured person due to HIV/AIDS & STD.

Final Thoughts

The Covid pandemic has revealed to all of us the importance of the best health insurance plan. It’s also essential to thoroughly research your plan before purchasing so that you are aware of its features and understand its coverage well. ManipalCigna’s Lifetime Health plan is currently one of the most exciting products in the market and is worth considering when shopping for a customizable, feature-rich, and value-based affordable plan.

Ajeet Sharma, the founder of Financegab and a well-known name in the field of financial blogging. Blogging since 2017, he has the expertise and excellent knowledge about personal finance. Financegab is all about personal finance which aims to create awareness among people about personal finance and help them to make smart, well-informed financial decisions.


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