Overview
The ManipalCigna Lifetime Health Global plan offers premium, lifelong worldwide health coverage. It provides coverage up to ₹3 crore, unlimited restoration of sum insured (for unrelated illnesses), and covers 27 major illnesses for treatment abroad. Benefits include global emergency hospitalization, a guaranteed cumulative bonus, global travel vaccination, and continuity benefits, ensuring comprehensive protection.
Experts' Review
Written by Nikhil Nair
Senior Writer
If you're after top-tier, worldwide health coverage, the ManipalCigna Lifetime Health Global plan is worth considering. The policy’s standout feature is that it's designed to provide coverage for life, globally. Having the option to choose a sum insured up to ₹3 crore ensures you’re covered for significant medical expenses, no matter where you are.
One major plus is the plan’s coverage of 27 major illnesses that can be treated abroad, which is excellent if you want access to specialized care from around the globe. I also appreciate the inclusion of global travel vaccination charges, so you can travel with peace of mind knowing you're covered for necessary vaccinations. In addition, a 90 day waiting period and 30 days survival period is applicable to the critical illness add-on cover and pre-existing diseases only have a 2-year waiting period.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Offers Health 360 Advance, which makes this policy stand out.
Cons
No Bonus for being healthy and not claiming insurance, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Manipal Cigna
Key Insights
Founded
2014
Manipal Cigna was established 11 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
91% claims settled in 30 Days
Manipal Cigna settles 91% of all claims it receives demonstrating strong credibility.
Network Hospitals
8,500+
Manipal Cigna maintains a moderate network of 8,500 hospitals, offering reasonable coverage across key locations.
Complaints
24 complaints per 10,000 claims registered
Manipal Cigna experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Health 360 Advance
STANDOUT
With this rider, you get extended coverage with no room restriction, unlimited restoration of sum insured even for same illness along with air ambulance coverage.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Health 360 Shield
Recommended
Covers list of 68 non-medical items as per list I upto ₹1,00,000.
Health 360 Advance
Recommended
Get extended coverage with no room restriction, unlimited restoration of sum insured even for same illness along with air ambulance coverage.
Health 360 OPD cover
Get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.
Critical Illness
Get a lump sum payment in the event you are diagnosed with critical illnesses outlined in the policy document.
Global+
Get coverage for daily cash benefit of ₹25k/day if treatment is taken for a listed major illness outside India. Lump sum payout benefit of ₹10L per hospitalization of at least 15 consecutive days for treatment outside India. Upto ₹1L for Outpatient Medical Expenses towards Major Illnesses. Fixed Payout of ₹25k/sitting of Chemotherapy / Radiotherapy, conducted in a Day Care Treatment outside India. Lump sum payout for travel outside India for treatment of Major Illness. Global Second Opinion, once for each major illness outside India from Network providers.
Health+
Get coverage for Air Ambulance Upto ₹10, Medical Devices and Non-Medical Items upto ₹2L once in 3years. Domestic Second Opinion for major illnesses. Bariatric Surgery Cover upto ₹5L. Lumpsum payout benefit of ₹50k per hospitalization of at least 10 consecutive days in terms of convalescene benefit. Daily hospital cash benefit of ₹2.5k/day if treatment is taken for major illnesses. Fixed Payout of ₹2.5k/sitting of Chemotherapy / Radiotherapy, conducted in a Day Care Treatment. Accidental Hospital Cash benefit of ₹2.5k/day if treatment taken for an Injury due to an Accident. Domestic Concierge Services offered to insured members once a year. Tele -Consultations available through tele/chat mode from network facilities.
Woman+
Get coverage if you are a female aged 12 years or more for various services including screening for Breast Cancer, Cervical Cancer, Cervical Cancer Vaccination, Ovarian Cancer, Osteoporosis, 15 Gynaecological outpatient consultations and 5 Psychiatric & Psychological Consultations.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Hysterectomy for menorrhagia, fibromyoma, or prolapse of uterus (unless due to malignancy)
Myomectomy for fibroids
Non-infective arthritis
Gout
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
2 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
After a close look at the waiting periods, we can say that the waiting periods on this policy are excellent. Especially the PED waiting period which is better than usual.
What's missing in the policy
No Bonus for being healthy and not claiming insurance.
Maternity benefits not offered.
Customer Reviews
D
Darshan Sharma
Lifetime global coverage is exactly what I was looking for! Peace of mind for life, anywhere.
D
Deepti Verma
Sum insured up to ₹3 crore is massive, covers almost any major medical expense globally.
D
Dhruv Gupta
Coverage for 27 major illnesses that can be treated abroad is an excellent benefit.
H
Harsh Joshi
Need to ensure the global network and claim process are smooth and efficient.
G
Girish Khan
This is a premium plan, so the cost is definitely on the higher side. 'Big bucks' indeed.
G
Gaurav Patel
Critical illness add-on has a 90-day waiting period, which is standard and acceptable.
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Frequently Asked Questions
Does LifeTime Health Global have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
Does LifeTime Health Global have room rent restrictions?
Does LifeTime Health Global offer a restoration benefit?
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