ManipalCigna Infinix offers flexible coverage options in two variants, with features designed to provide comprehensive health protection.
Plan Overview & Variants
Infinix Core: Designed for new health insurance buyers. It offers options to reduce waiting periods for pre-existing diseases and specific illnesses.
Infinix Now: Designed for existing policyholders porting their health policy into this plan. It provides continuity benefits and coverage from day one, subject to underwriting.
Sum Insured: Offers two coverage options, ₹10 lakh Sum Insured (SI) and unlimited SI.
Key Features & Benefits
Short Hospitalization: Covers necessary hospitalization for 2 hours or more.
Room Rent: Offers a Single Private AC Room by default with upgrade and downgrade options.
One-Time Aggregate Deductible: Allows a deductible payable once in 10 years with premium discounts.
High-End Diagnostics: Covers listed advanced diagnostic tests up to ₹50,000 under unlimited SI.
New Beginnings: Provides maternity, newborn hospitalization, and vaccination benefits with coverage growth over time.
For the first time, ManipalCigna health insurance is offering a health plan with no fixed upper limit on its base sum insured.
Launched in August 2026, the new ManipalCigna Infinix plan comes with two sum insured choices, ₹10 lakh or unlimited, making unlimited coverage the defining feature of the plan.
That sounds straightforward, but the details behind an unlimited cover matter. What happens to the coverage when room limits, waiting periods, exclusions, and optional benefits come into play? And does the plan’s structure make sense beyond the headline feature?
In this Infinix plan review, we break down the coverage, premiums, waiting periods, optional benefits, and limitations to understand what the plan actually offers.
ManipalCigna Infinix is a retail health insurance plan that provides flexible health coverage through two variants: Infinix Core and Infinix Now.
While both variants offer similar core benefits, they target different buyers based on their existing health insurance needs.
Variant
Who Is It For?
Key Difference
Infinix Core
Buyers purchasing a new health insurance plan
Standard variant with applicable waiting periods, which can be reduced through selected optional covers.
Infinix Now
Existing policyholders looking to port their health insurance policy into Manipal Cigna
Provides day 1 coverage by carrying forward waiting-period benefits. Special waiting periods may apply after underwriting.
Why Infinix Now Stands Out: When porting a health insurance policy and increasing coverage, most plans require you to serve waiting periods again on the enhanced portion of the SI.
Infinix Now removes this concern by extending continuity benefits to the enhanced cover as well, subject to underwriting and policy terms.
For example, if you currently have a ₹10 lakh health insurance policy and port to Infinix Now with an unlimited sum insured, the enhanced portion does not start with a fresh waiting period. Your existing policy continuity benefits can carry forward to the increased coverage, subject to the insurer’s underwriting and applicable terms.
Adult: 18 years onward. Child: 91 days onward (Renewable lifelong)
Maximum Entry Age
No maximum entry age
Family Floater Structure
Covers up to 8 members from 23 eligible family relationships, including immediate and extended family.
Base Sum Insured (SI) Options
₹10 lakh or unlimited base sum insured
Policy Tenure
1 year, 2 years, or 3 years
Note: ManipalCigna Infinix does not have an upper exit age limit for children under the family floater structure, allowing dependent children to continue under the same policy, subject to policy terms.
Key Features & Riders Under ManipalCigna Infinix Plan
Key Features of ManipalCigna Infinix Plan
Feature
Details
Hospitalization Cover
Covers medically necessary hospitalization for 2+ hours. AYUSH, mental illness, and HIV/AIDS require 24-hour hospitalization.
Waiting Periods
Infinix Core: 30-day initial waiting period and 36-month Pre-Existing Disease (PED) and specified illness waiting period. Infinix Now: Continuity benefits during porting, subject to underwriting.
Room Rent Limit
Covers a single private AC room by default. If you opt for unlimited base SI, you can upgrade room eligibility or choose a twin-sharing room option to optimize your premium.
ICU/ICCU Charges
Covered at actuals
Co-Payment & Disease-Wise Sub-Limits
The base plan does not have co-payment or disease-wise sub-limits.
Pre- and Post-Hospitalization
₹10 lakh SI: covers expenses for 60 and 90 days, respectively. Unlimited SI: covers expenses for 90 and 180 days, respectively.
Day Care, Domiciliary, & AYUSH Treatment
Covers eligible day care procedures, domiciliary hospitalization, and inpatient AYUSH treatments up to the sum insured, as per policy terms.
Home Treatment
For SI of ₹10 lakh, Home Treatment is not available. For unlimited SI, it is covered for listed conditions.
Additional In-built Benefits
Preferred Provider Network (PPN): Allows you to choose a hospital network package. Treatment outside the selected package may attract a 10% or 25% co-payment, except in life-threatening emergencies.
Road Ambulance: Covers emergency road ambulance expenses up to SI.
Tele-Consultation: Provides unlimited consultations with general physicians from the network.
Wellness Program: Offers rewards of up to 20% of expiring premium through the Healthy Life Management Program.
Emotional Quotient: Provides unlimited e-access to psychologists, mental wellness tools, fitness, yoga, meditation sessions, and other wellness resources.
NutriBoost: Provides unlimited e-consultations with nutritionists, along with personalized diet plans, weight-management guidance, and nutrition support.
Riders of ManipalCigna Infinix Plan
Rider
Details
One-Time Aggregate Deductible
Allows you to choose a ₹25,000, ₹50,000, or ₹1 lakh deductible payable once in 10 years, with the premium discount applicable for 10 continuous policy years.
New Beginnings
Provides maternity, newborn care, and first-year vaccination benefits. Choose ₹5,000, ₹10,000, or ₹20,000 cover, which grows annually after 2 years up to 10X. A 12-month waiting period applies for first-time maternity cover buyers.
QuickAccess (Infinix Core)
Provides coverage for 8 listed PEDs like diabetes and blood pressure from the 31st day and reduces the specific illness waiting period to 24 months.
High-End Diagnostic Tests
Covers listed advanced diagnostic tests up to ₹50,000 per policy year with unlimited SI.
Non-Medical Expenses (NME) & Durable Medical Equipment (DME) Cover
Covers NME up to SI and DME expenses up to ₹1 lakh per policy year.
The plan also offers additional optional covers, including Air Ambulance, Personal Accident Plus, Annual Aggregate Deductible, and Health Check-up, among others. Refer to the official prospectus for complete details and terms.
Ditto’s Key Insight: NME & DME Cover is worth adding to reduce out-of-pocket costs on eligible consumables and medical equipment. QuickAccess (Infinix Core) can help people with listed PEDs access coverage from day 31, subject to insurer acceptance. We also prefer Premier+ for broader hospital access, as Classic and Premier impose PPN-linked co-payments outside their eligible tiers, except in life-threatening emergencies.
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ManipalCigna Infinix Plan: Sample Premiums by Age & Cover
Profiles
ManipalCigna Infinix Core (Unlimited SI)
ManipalCigna Infinix Core (₹10 lakh SI)
(Individual Plan): Age 25
₹14,176.24
₹13,525.48
(Family Floater, 2A): Ages (31, 32)
₹19,454.36
₹18,245.24
(Family Floater, 2A, 1C): Ages (35, 34, 5)
₹26,588.16
₹24,901.20
(Family Floater, 2A): Ages (62, 63)
₹70,589.28
₹65,870.28
Note: Here, A stands for adult and C for child. These are indicative premiums for a Delhi resident (PIN code: 110010) and include recommended add-ons and discounts. Your premium can change based on age, city, medical history, plan variant, added discounts, and chosen add-ons.
Ditto’s Take
The premium difference between ₹10 lakh SI and unlimited SI is less than 10% across these profiles. If the additional premium fits your budget, choosing an unlimited SI can provide significantly higher protection against large medical expenses for a relatively small premium increase.
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What stands out is its approach to ported policies through Infinix Now, offering Day 1 coverage for customers looking to upgrade their existing health cover while retaining continuity benefits.
The plan also offers features such as reduced waiting periods, a One-Time Aggregate Deductible, and maternity benefits. However, some benefits need closer evaluation.
While New Beginnings can grow up to 10X, first-time maternity cover buyers start with only ₹5,000, ₹10,000, or ₹20,000 after a 12-month waiting period, with the benefit increasing only after two continuous policy years. For someone planning pregnancy soon, the initial coverage may be limited.
Overall, Infinix is an interesting option for buyers looking for high coverage, especially those exploring unlimited sum insured plans. However, compare its features, limitations, and suitability with other options before choosing a policy. You can explore our best health insurance plans in India guide to compare plans across coverage, features, and overall value.
Frequently Asked Questions
Is ManipalCigna Infinix Plan a good health insurance option?
ManipalCigna Infinix can be a suitable option for buyers looking for high coverage with features like unlimited SI, flexible family floater options, and unique benefits. It also provides access to cashless health insurance benefits through its network hospitals, subject to claim approval and policy terms. Infinix Now is particularly useful for customers porting an existing health insurance policy. However, buyers should compare premiums, riders, PPN rules, waiting periods, and insurer performance before selecting a plan.
What is covered under ManipalCigna Infinix Plan?
ManipalCigna Infinix offers two Sum Insured options, ₹10 lakh SI and unlimited SI. The key ManipalCigna Infinix features include hospitalization, day care treatments, domiciliary hospitalization, and AYUSH treatment up to the SI. It also covers pre- and post-hospitalization expenses for 60 and 90 days, respectively, with ₹10 lakh SI, and 90 and 180 days, respectively, with unlimited SI. Additional benefits include road ambulance, home treatment with unlimited SI, and optional covers like New Beginnings, QuickAccess, High-End Diagnostic Tests, and NME and DME coverage.
What are the room rent limits in ManipalCigna Infinix?
ManipalCigna Infinix provides a single private AC room by default. Customers opting for unlimited SI can choose room modification options, including any room, any room except suite category rooms, or a Twin Sharing AC Room to optimize their premium. ICU charges are covered at actuals irrespective of the selected room category.
Is ManipalCigna Infinix suitable for my family of 4?
Families looking for comprehensive coverage under one policy can consider ManipalCigna Infinix. The plan covers up to 8 members from 23 eligible family relationships, including immediate and extended family members. Whether it suits your family depends on factors such as members’ ages, healthcare needs, preferred hospitals, coverage requirements, and budget.
How much is the ManipalCigna Infinix premium by age?
ManipalCigna Infinix premiums vary based on age, location, sum insured option, policy tenure, selected benefits, and medical history. For example, a 25-year-old individual in Delhi with Unlimited SI may pay around ₹14,176 per year, compared to ₹13,525 for ₹10 lakh SI. A family floater with two adults aged 31 and 32 costs around ₹19,454 for Unlimited SI and ₹18,245 for ₹10 lakh SI. These are indicative premiums, and the final premium may vary based on underwriting and selected benefits.
What is the waiting period for pre-existing diseases in Infinix?
Infinix Core has a 36-month waiting period for pre-existing diseases. Customers can reduce this through optional covers like QuickAccess or Reduction of Waiting Period. Infinix Now is designed for customers porting an existing health insurance policy and provides continuity benefits, although special waiting periods may apply based on health declarations and underwriting.
How does ManipalCigna Infinix compare with Star Health and Care?
ManipalCigna Infinix competes with plans like Star Health Super Star and Care Ultimate, which also offer unlimited cover structures, though these benefits work differently across plans. Infinix stands out with features such as the Infinix Now variant designed specifically for porting customers, a One-Time Aggregate Deductible option, broad family floater eligibility with up to 8 members across 23 relationships, and a three-tier Preferred Provider Network. A fair comparison should consider coverage benefits, hospital access, waiting periods, insurer performance, and premiums.
What discounts are offered under the ManipalCigna Infinix plan?
ManipalCigna Infinix offers multiple discounts, including a 25% Non-Resident Indian (NRI)/Overseas Citizen of India (OCI) discount for eligible customers with unlimited base sum insured, No Claim Discount (NCD) of up to 7.5%, a long-term policy discount of 10% and 12.5% on 2-year and 3-year policies, and a 2.5% standing instruction discount. The NCD applies only while the eldest insured person is below 56 years and resets after a claim. The standing instruction discount is unavailable on installment payments.
What are the premium zones under the ManipalCigna Infinix plan?
ManipalCigna Infinix follows a zone-based premium structure, where premiums vary by city or region of residence. The plan categorizes locations into 11 zones. Major cities covered under these zones include Mumbai (Zone 1), Delhi NCR (Zone 2), Hyderabad (Zone 3), Ahmedabad (Zone 4), Jaipur and Chandigarh (Zone 6), cities such as Aligarh, Meerut, Panipat, Karnal, and other listed districts under Zone 5, Pune (Zone 7), Chennai (Zone 8), Bengaluru (Zone 9), Kolkata (Zone 10), and the rest of India (Zone 11). The applicable zone is determined based on the insured member’s location as per the policy terms.
