Claim Settlement Ratio 94.21%
Claim Settlement Facility 100%
Network Hospitals 7200
COVID-19 Cover Yes
Incurred Claim Ratio 60.68%
In case of diagnosis with any of the mentioned covered illnesses the customer can go for a second opinion in any of the network hospitals and the cost of consultation would be covered under the health insurance policy.
There are two parts of the sum insured in a health insurance policy. One is the basic sum insured and the other is the cumulative bonus sum insured. The basic sum insured would be utilized first in case of a claim followed by the cumulative bonus sum insured. If the entire sum insured is exhausted under the health insurance plan, then the reinstatement of the entire basic sum insured would be done under the policy. The reinstatement sum insured therefore cannot be utilized if the cumulative bonus is not exhausted as the reinstatement sum insured would not be available without the cumulative bonus sum insured getting exhausted.
Manipal Cigna health insurance provides the benefit to cover the medical expenses incurred for availing emergency medical assistance due to illness, injury sustainability jed or contracted outside the territorial limits of India even due to a terrorist attack.