Key Highlights

Cashless Treatment at 4500+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 4500+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

Health Maintanence

You can claim upto Rs.500/- each year to cover out-patient expenses such as doctor’s consultation , pharmacy expenses or diagnostic tests, alternative forms of medicines (AYUSH) and more.

Health Check-Up

In order to encourage you to stay healthy, Cigna provides a comprehensive health check-up for all insured persons above 18 years once every 3 years

Key Product Benefits to Check

Worldwide Emergency Cover

You can get reimburserd for all the medical expenses incurred for emergency treatments for an illness or injury sustained or contracted outside of India which cannot be postponed until Insured Person has returned to India.

Expenses before and after Hospitalization

Get covered for all your claim related medical expenses 60 days before your hospitalization and upto 180 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,

Ambulance Cover

You can claim upto Rs.2000 for necessary transportation fares by Ambulance required for rescuing your health condition.

Organ Donor Cover

Medical expenses of organ donor are covered upto Sum Insured, in case of organ transplant.

Healthy Rewards

You can earn Reward Points for each year of premium paid and/or by enrolling the Online Wellness Programs. These earned Reward Points can be used to get a discount in premium from the 3rd Annual Premium OR they can be redeemed for equivalent value of Health Maintenance benefits.

E-Opinion on Critical Illness

You can avail an expert second opinion from Cigna's network of medical practitioners, for an Insured person who is diagnosed with a covered critical illness, during the policy period. Please note this benefit can be availed once, by each Insured person during an annual policy period and once during the lifetime for the same Critical Illness.

Exclusions to note

Pre exisiting diseases

In the first 2 years of subscription, Cigna will not pay for treating medical conditions that you may have been suffering from, before purchasing the policy.

30 days waiting period

You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

2 years waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins … only after 2 years.

Maternity

Maternity/ Pregnancy/ child birth related medical expenses are not covered in this Policy.

Additional Covers Available

Critical Illness

This cover will provide lump sum amount equal to Sum Insured in case of first diagnosis of the covered critical illnesses. In case of a family floater policy, once a claim has been paid for a critical illness under this benefit Cigna will provide for 100% reinstatement of Sum Insured once during the lifetime of the policy for the other person covered.

Cumulative Bonus Booster

This cover helps to increase your Sum Insured by 25% for each claim free year up to a maximum of 100% when there are no claims paid or outstanding in the expiring Policy Year provided that the policy is renewed without a break.

FAQ’s

What is the maximum number of claims allowed over a year?

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

What Identification proof do I have to carry for Hospitalisation?

You should carry thelHealth card provided by the company with this Policy, along with a valid photo identification proof (Voter ID card / Driving License / Passport / PAN Card / any other identity proof as approved by the Company).

What is Health Maintenance benefit ?

This benefit covers reimbursement of outpatient expenses incurred by Insured person upto the limits specified under the plan. It can be used to cover diagnostic tests, medical aids, drugs, prosthetics, dental treatments and alternative forms of medicines.

The list of hospitals change or remain the same ?

The Company - Cigna, at its sole discretion, reserves the right to modify, add or restrict any Network Hospital for Cashless services available under the Policy. Before availing the Cashless service, the Policyholder / Insured Person is required to check the applicable list of Network Hospital on the Company’s website.

What is the time limit to submit the claim in case I do not use cashless facility?

You should submit your claim within 15 days from date of discharge from the hospital

Is my claim payable in grace period?

Cigna will not be liable to pay for any claim arising out of an Injury/ Accident/ Condition that occurred during the Grace Period.