Overview
The ManipalCigna SecureHealth Plan offers essential health coverage with a focus on core medical needs. Designed as an individual policy, it provides financial support for necessary medical treatments and emergencies. Above all, it is one of the few plans that are available for people with disabilities and those affected by mental illness or HIV.
Experts' Review
Written by Nikhil Nair
Senior Writer
The ManipalCigna SecureHealth Plan focuses on providing basic health coverage without a lot of frills, which isn't necessarily a bad thing if you're looking for a straightforward option. It covers the essentials like inpatient care, pre- and post-hospitalization expenses, and ambulance charges.
Beyond the basics, it includes AYUSH treatment and cataract treatment (with the standard 2-year waiting period), which can be important for many people. Also, modern treatments like robotic surgeries and oral chemotherapy are included (up to 50% of the sum insured), which shows they're trying to keep up with medical advancements.
One thing to keep in mind is that this plan is only available on an individual basis. The sum insured options are limited to ₹5 lakhs. It also has a co-payment clause and room rent restrictions, which cannot be removed via add-ons or riders.
Pros
Insurer has a solid track record with great claim and service metrics.
Offers HIV/AIDS & Disability Support, which makes this policy stand out.
Cons
Not very feature-rich.
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
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
Bad
HIV/AIDS & Disability Support
STANDOUT
This plan is available for people diagnosed with HIV/AIDS and disabilities like Blindness, Muscular Dystrophy, Low vision, Chronic Neurological conditions, Leprosy Cured persons, Specific Learning Disabilities, Hearing Impairment (deaf and hard of hearing), Multiple Sclerosis, Locomotor Disability, Speech and Language disability, Dwarfism, Thalassemia, Intellectual Disability, Haemophilia, Mental Illness, Sickle Cell disease, Autism spectrum disorder, Multiple Disabilities including deaf/ blindness, Cerebral Palsy, Acid Attack victim and Parkinson's disease.
Co-payment
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
Room Rent
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for cataracts, modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Pre existing diseases waiting
If you are already dealing with HIV/AIDS, then the insurer will cover you after 30 days. For Pre-Existing Disability, you will be covered after 2 years. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 3 years before they start covering these complications.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Venereal/ Sexually Transmitted disease (excluding HIV/AIDS)
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.
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.
Benign ENT disorders
Tonsillectomy
Adenoidectomy
Mastoidectomy
Tympanoplasty
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
No coverage if you are forced to hospitalize at home.
Maternity benefits not offered.
Doctor consultations are not covered.
Customer Reviews
R
Rohan Das
Great that this plan is available for people with disabilities. Very inclusive approach by ManipalCigna.
S
Sneha Rao
Covers essential medical treatments and emergencies well. Just what I needed for basic protection.
K
Karan Naidu
AYUSH treatment coverage is a good option to have. I prefer traditional remedies sometimes.
S
Sunita Kapoor
Only individual basis, no family floater option for this specific plan. Thoda inconvenient.
K
Kavita Dhawan
Sum insured options limited to ₹5 lakhs is a bit low, especially for major city expenses.
P
Pooja Bajaj
Coverage for modern treatments like robotic surgeries, even if up to 50% SI, is a forward-thinking feature.
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Frequently Asked Questions
Does SecureHealth 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 3-year waiting period for any pre-existing disease you may have while buying the policy.
- 30 days waiting period for HIV/AIDS and 2 years for Pre-Existing Disability.
Does SecureHealth have room rent restrictions?
Does SecureHealth offer a restoration benefit?
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