Manipal Cigna Corona Kavach Policy

The Manipal Cigna Corona Kavach Policy is a standard health insurance plan which covers Coronavirus disease. This insurance policy is best suited for individuals, multi-individuals, and families. This insurance plan will cover all the COVID-19 related hospitalisation and home care treatment expenses. The Covid standard health policy has been developed by IRDAI and is made available by Manipal Cigna Health Insurance Company.

Manipal Cigna Corona Kavach Policy Features and Benefits

The features and benefits of the Manipal Cigna Corona Kavach Policy can be summed up as follows:

  • The Manipal Cigna Corona Kavach Policy offers all-India cover for Coronavirus
  • You can avail a special discount of 5% if you are a healthcare worker
  • Avail the benefits of hospital to home care treatment up to the sum insured
  • Avail the benefit of choosing hospital daily cash
  • Avail the benefits of pre-hospitalisation cover, post hospitalisation cover, and home care treatment expenses
  • Coverage for medical expenses under the AYUSH treatment scheme

Manipal Cigna Corona Kavach Policy Eligibility Criteria

Minimum age of entry For adults – 18 years For children – 1 day
Maximum age of entry For adults – 65 years For dependent children – 25 years
Policy tenure 105 days, 195 days, and 285 days
Type of coverage Individual and family floater
Premium payment frequency Single payment
Maximum sum insured Up to Rs.5 lakh

Manipal Cigna Corona Kavach Policy Coverage

The Manipal Cigna Corona Kavach Policy covers the following:

  • AYUSH treatment expenses
  • Charges for ambulance service
  • Expenses in regard to Home Care Treatment
  • Pre-hospitalization expenses
  • Post-hospitalization expenses
  • Hospitalisation cover for COVID
  • Optional Cover: Hospital Daily Cash

What is not covered under the Manipal Cigna Corona Kavach Policy?

The following are not covered under the Manipal Cigna Corona Kavach Policy:

  • Free-look period is not available
  • Renewal terms are not applicable
  • Grace period is not available
  • Portability clause is not applicable
  • Migration clause is not applicable
  • In case the insured person travels to any destination which is restricted by the Government of India, the cover under this policy will be withdrawn
  • All the expenses owing to Day Care treatment and OPD treatment are not covered
  • Diagnosis and/or treatment across the geographical boundaries of India are not covered
  • Any claim in regard to COVID-19 will not be covered in case the diagnosis takes place before the start date of the policy

How to buy the Manipal Cigna Corona Kavach Policy?

In order to buy the Manipal Cigna Corona Kavach Policy, you can follow the method mentioned below.

Step 1: Visit the official website of Manipal Cigna at https://www.manipalcigna.com/

Step 2: Navigate to the ‘Products’ tab from the top menu and click on the ‘Corona Kavach Policy’

Step 3: On the main page of the ‘Corona Kavach Policy’ you will be able to see two options:

  • Send me an expert:
  • Step 1: Click on the ‘SEND ME AN EXPERT’ button
  • Step 2: You will be redirected to a new webpage wherein you will be required to enter the required information in the designated fields
  • Step 3: Enter your first name, last name, email ID, and mobile phone number
  • Step 4: Check the box next to the ‘Privacy Statement’ agreement notice
  • Step 5: Click on the ‘Submit’ button.

After this procedure is done, an executive from Manipal Cigna will get in touch with you to find out your insurance requirement and help you through.

  • Quick Quote:
  • Step 1: Click on the ‘QUICK QUOTE’ button
  • Step 2: Select the ‘Corona Kavach’ tab
  • Step 3: Fill out the form as per your requirement
  • Step 4: Select the sum insured from the options provided
  • Step 5: Select the policy term from the options provided
  • Step 6: Enter your full name and mobile phone number
  • Step 7: Check the box next to the ‘Company Policy’ agreement notice
  • Step 8: Click on the ‘View Quote’ button to view the quotation and buy your insurance policy

How to place a claim under the Manipal Cigna Corona Kavach Policy

You can contact Manipal Cigna directly through the toll-free helpline number 1800 419 1159 to place a claim for your insurance policy.

Alternatively, you can also write an email in this regard at cigna@mediassistindia.com.

You will be required to provide the following details while intimating a claim with Manipal Cigna:

  • Insurance policy number
  • Name of the policyholder or the patient
  • Name of the insured person under whose relation the claim is being placed
  • Details of the nature of illness or injury
  • Details of the attending hospital and medical practitioner
  • Date of hospitalisation (if applicable)

Note: The details mentioned above are indicative. The policyholder might be required to provide other details as well as per the requirement of the insurance provider.

Frequently Asked Questions (FAQs)

1) What is the maximum number of children that can be added to a plan under the Manipal Cigna Corona Kavach Policy?

A: The maximum number of children that can be added to a plan under the Manipal Cigna Corona Kavach Policy is 3.

2) Are there any tax benefits for the Manipal Cigna Corona Kavach Policy?

A: Yes, a Manipal Cigna Corona Kavach policyholder will be eligible for tax benefits under Section 80D of the Income Tax Act.

3) What is the minimum and maximum sum insured under the Manipal Cigna Corona Kavach Policy?

A: The minimum sum insured under the Manipal Cigna Corona Kavach Policy is Rs.50,000. The maximum sum insured is Rs.5 lakh.

4) What is the minimum and maximum policy term under the Manipal Cigna Corona Kavach Policy?

A: Under the Manipal Cigna Corona Kavach Policy, the minimum policy term is 105 days while the maximum is 285 days.

5) Can I avail cashless facility under the Manipal Cigna Corona Kavach Policy?

A: Yes, you can avail the cashless facility under the Manipal Cigna Corona Kavach Policy in more than 6,500 network hospitals.

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