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ManipalCigna Corona Rakshak Health Insurance

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ManipalCigna Health Insurance
Corona Rakshak Policy
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna Corona Rakshak Health Insurance

Corona Rakshak Policy, ManipalCigna, is a standard medical insurance policy designed by the Insurance Regulatory and Development Authority of India (IRDA) and made available by ManipalCigna Health Insurance. It is a benefit based health insurance policy that provides you a lump sum benefit equal to 100% of the sum insured in case you are hospitalised due to positive diagnosis of COVID-19, provided the diagnosis is done at a government authorised diagnostic center. The policy can be purchased on individual basis only for sum insured options ranging between Rs. 50,000 and Rs. 2.5 Lakh, in multiples of Rs. 50,000. Corona Rakshak Policy is a short term term policy that can be purchased for 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days).

If you are aged between 18 years and 65 years, then you can purchase this policy online at InsuranceDekho by following a few easy steps. Under the policy, you can also include legally wedded spouse, son, daughter, parents, and parents in-laws, apart from self. Note that you are required to pay a single premium to own this policy. Also, as it is a short term policy, it does not offer lifetime renewability benefit. To continue availing coverage, you will be required to buy a new policy after the term ends.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • People aged between 18 years and 65 years are eligible to buy the policy
  • Lump sum benefit of 100% of the sum insured is provided on positive diagnosis of COVID-19
  • Sum insured options ranging between Rs. 50,000 and Rs. 2.5 Lakh
  • Available for tenure of 3.5 months, 6.5 months, and 9.5 months
  • No pre-insurance medical examination test is required

What's Not Included

  • Treatments not related to COVID-19 are not covered
  • Expenses arising due to admission for the purpose of evaluation or investigation
  • Any COVID-19 related treatment if the disease was contracted before the commencement of the policy
  • Any claim made during the 15 days waiting period
  • Treatment availed after diagnosis done at a non-authorized diagnostic center

8674 ManipalCigna Cashless Network Hospitals in India

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • What are the sum insured options available under ManipalCigna Corona Rakshak Policy?

    ManipalCigna Corona Rakshak Policy comes with sum insured options of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; Rs. 2 Lakh; and Rs. 2.5 Lakh. 

  • What are the options for policy terms available with ManipalCigna Corona Rakshak Policy?

    ManipalCigna Corona Rakshak Policy can be purchased for 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days).   

  • Can I avail tax benefits on the premium paid for ManipalCigna Corona Rakshak Policy?

    Yes. You can avail tax benefits on the premium paid for ManipalCigna Corona Rakshak Policy.

  • What is the waiting period for ManipalCigna Corona Rakshak Policy?

    ManipalCigna Corona Rakshak Policy comes with an initial waiting period of 15 days. It will be calculated from the date of commencement of the policy. 

  • Is pre-insurance medical examination test required to be covered under ManipalCigna Corona Rakshak Policy?

    No. There is no requirement of pre-insurance medical examination test, irrespective of sum insured and age of the insured, to be covered under ManipalCigna Corona Rakshak Policy.  

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