Introduction

It is important to always provide for yourself and your partner and make appropriate arrangements such that they are always looked at even if you are no longer able to provide for them. By availing of the Spouse Benefit cover provided by Manipal Cigna Health Insurance, insured individuals can rest easy knowing that their spouse still has access to funds. Coverage is provided to your spouse in the event that you suffer from an illness, accidental death, permanent total disablement, permanent partial disablement or have an accident and are unable to earn a living. This way, your financials are not disturbed due to life’s uncertainties.

Plan Details 

Premium charged –

Insured individuals are required to pay a premium of INR 269 which includes GST such that they can be entitled to a sum assured amounting to up to INR 1 Lakh.

Eligibility –

This plan may be availed by individuals falling in the range of 18 to 65 years of age.

Validity –

This plan is valid for a timeframe of 1 year.

What is Covered

By availing of this policy, policyholders are provided with coverage for the following.

  • Permanent Total Disablement (or PTD)

    In the event that the insured individual suffers from an illness or injury arising from an accident leading to PTD, their spouse is entitled to a payment amounting to the sum assured. This holds true regardless of whether or not the spouse is listed as an insured individual under this policy.

  • Permanent Partial Disablement (or PPD)

    In the event that the insured individual suffers from an illness or injury arising from an accident leading to PPD, their spouse is entitled to a payment amounting to the sum assured. This holds true regardless of whether or not the spouse is listed as an insured individual under this policy.

  • Coverage Against Death

    In the unfortunate case that the insured individual dies owing to illness or injury, their spouse is entitled to a payment of the sum assured, irrespective of whether they themselves are included in the policy or are not.

What is Not Covered

Policyholders of this plan are not provided with coverage for the following.

  • Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.

  • In the event that the insured individual undergoes an illness or injury during the initial 30-day waiting period, they are not provided with coverage for the same.

In order to have an understanding of all exclusions, please peruse the policy wordings. 

How To Apply?

Those interested in the Flexi Group Health Insurance - Spouse Benefit policy are entitled to apply for this form of insurance by following the steps mentioned below.

  • Visit Finserv MARKETS

    Visit our website and go to the Pocket Insurance and VAS page

  • Select Product

    Choose Spouse Benefit policy from the wide array of products

  • Fill Details

    Fill in your details in the online form

  • Make your payment

    Make an instant payment and get your plan.

Claim Process 

In order to apply for a claim, you are encouraged to connect with our team put together to help serve you best. They are available via the following methods.

  • Email - servicesupport@manipalcigna.com

  • Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4462.

FAQs

  • ✔️If I pay for this insurance policy online, where will I receive details pertaining to my membership?

    These details will be sent to your registered email address or registered WhatsApp account.

  • ✔️Is there a waiting period in place should I choose to avail of this plan?

    Yes, there is a 30-day initial waiting period in place under this plan.

  • ✔️How long is this policy valid for?

    The time frame this policy is valid for is a single year.

  • ✔️Is there any age limit in place pertaining to who can apply for this policy?

    Yes, there is an age limit allowing only those aged between 18 and 65 years of age to apply for this plan.