ManipalCigna Infinix Plan
Claim Settlement Ratio of 88% Network Hospitals 10,000+
Claim Settlement Ratio of 88% Network Hospitals 10,000+
ManipalCigna Infinix Health Insurance Plan
ManipalCigna Infinix is a health insurance plan designed to provide financial protection against major medical and hospitalization expenses. It offers Unlimited Sum Insured options and is available in two variants Infinix Now and Infinix Core.
The plan covers expenses such as hospitalization, day-care treatments, modern treatments, domiciliary care and ambulance services. It also includes healthcare benefits such as teleconsultation, preventive health check-ups, and wellness support and nutrition guidance. Additional covers, including maternity, personal accident and high-end diagnostic tests, can be selected based on your requirements and applicable policy terms.
Eligibility Criteria of ManipalCigna Infinix Plan
The ManipalCigna Infinix eligibility criteria are simple and flexible. Adults can enter the plan from 18 years, while children can be covered from 91 days of age. The plan also has no maximum entry age, subject to the applicable policy terms and conditions.
| Eligibility criteria | Details |
| Minimum adult entry age | 18 years |
| Minimum child entry age | 91 days |
| Maximum entry age | No maximum entry age |
| Policy term | 1, 2 or 3 years |
| Sum Insured | ₹10 lakh or Unlimited |
| Plan variants | Infinix Now and Infinix Core |
The exact family composition, underwriting requirements and applicable terms can depend on the policy selected.
ManipalCigna Infinix Optional Covers & Add-ons
The ManipalCigna Infinix optional covers allow policyholders to extend their health insurance protection by paying an additional premium. The availability of these benefits depends on the plan variant and applicable conditions.
- High-End Diagnostic Tests: This optional cover provides up to ₹50,000 per policy year for eligible advanced diagnostic tests such as PET CT/MRI, coronary angiography and endoscopic ultrasound. It is available with Unlimited Base Sum Insured.
- New Beginnings (Maternity Cover): The New Beginnings optional cover provides maternity-related benefits, first-year vaccinations and newborn baby care. Customers can choose a base benefit of ₹5,000, ₹10,000 or ₹20,000, with the benefit increasing by 100% annually after completion of the second year, subject to the stated maximum and policy terms. A one-year waiting period applies.
- Personal Accident Plus: Personal Accident Plus can provide coverage of up to ₹3 crore for accidental death, permanent disablement, or both, depending on the option selected.
- Air Ambulance: Air ambulance is available as an optional cover, subject to the applicable limit and policy conditions.
- Annual Aggregate Deductible: Policyholders can choose an annual deductible of ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Once the selected deductible is exhausted during the policy year, eligible coverage applies according to the policy terms.
- One-Time Aggregate Deductible: This option allows a deductible of ₹25,000, ₹50,000 or ₹1 lakh. The deductible is exhausted only once in 10 years, while the applicable discount continues during that period, subject to the terms.
- Waiting Period Modification: For Infinix Core, policyholders can choose between Quick Access and Reduction of Waiting Period as optional covers. These options cannot be selected together.
ManipalCigna Infinix Exclusions & Limitations
Like other health insurance policies, ManipalCigna Infinix has certain exclusions. Some of the important exclusions mentioned in the brochure include:
- Out-patient treatment expenses, unless specifically covered under the policy
- Treatment arising from criminal conduct or illegal activities
- Health conditions arising from war, armed conflict or civil unrest
- Medical treatment received outside India
- Cosmetic or appearance-enhancing procedures, except eligible reconstruction following an accident, burns, cancer or where medically necessary
- Expenses that fall outside the policy's defined coverage
- Treatment at unrecognized hospitals
The above is only a summary. The complete list of ManipalCigna Infinix exclusions should be checked in the policy wording before purchasing the plan.
ManipalCigna Infinix Waiting Period
The waiting period for ManipalCigna Infinix depends mainly on whether you choose Infinix Now or Infinix Core.
| Waiting period | Infinix Now | Infinix Core |
| Initial waiting period | Coverage starts from Day 1 | 30 days |
| Pre-existing diseases | As applicable to the plan | 3 years |
| Specified diseases/illnesses | As applicable to the plan | 3 years |
| Quick Access option | — | Listed PEDs after 30 days; specified illnesses after 2 years |
| Reduction of Waiting Period | — | PEDs and specified illnesses reduced to 2 years |
| Maternity – New Beginnings | — | 1 year |
Infinix Core's standard waiting period for pre-existing diseases and specified illnesses is 3 years, while its 30-day initial waiting period applies to new illnesses. The optional Quick Access and Reduction of Waiting Period features can reduce certain waiting periods subject to eligibility and policy conditions.
How to Claim ManipalCigna Infinix Health Insurance?
ManipalCigna Infinix claims can generally be raised through cashless or reimbursement claim processes. The steps differ depending on whether you receive treatment at a network hospital or pay for the treatment yourself.
| Step | Cashless Claim | Reimbursement Claim |
| 1. Treatment | Visit a ManipalCigna network hospital for eligible treatment. | Take treatment at an eligible hospital and pay the expenses initially. |
| 2. Inform the insurer | Inform ManipalCigna and provide the required policy and hospitalizations details. | Inform ManipalCigna and submit the required claim details. |
| 3. Submit documents | The hospital submits the cashless pre-authorization request and required medical documents. | Submit the claim form along with bills, discharge summary, prescriptions, reports and payment receipts. |
| 4. Claim assessment | ManipalCigna reviews the pre-authorization request and assesses the treatment for coverage. | ManipalCigna reviews the submitted documents and assesses the admissible claim amount. |
| 5. Claim settlement | Once approved, eligible expenses are settled directly with the network hospital. | Once approved, the eligible reimbursement amount is paid to the policyholder. |
| 6. Customer payment | You may need to pay deductibles, co-payments, non-covered expenses and other inadmissible charges. | Non-covered expenses, deductibles, co-payments and other inadmissible amounts are deducted from the eligible claim. |
A cashless claim allows eligible hospital expenses to be settled directly with the network hospital, while a reimbursement claim requires you to pay first and claim the eligible amount from the insurer later.
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ManipalCigna Infinix Coverage and Key Benefits
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Eligibility Criteria of ManipalCigna Infinix Plan
The ManipalCigna Infinix eligibility criteria are simple and flexible. Adults can enter the plan from 18 years, while children can be covered from 91 days of age. The plan also has no maximum entry age, subject to the applicable policy terms and conditions.
| Eligibility criteria | Details |
| Minimum adult entry age | 18 years |
| Minimum child entry age | 91 days |
| Maximum entry age | No maximum entry age |
| Policy term | 1, 2 or 3 years |
| Sum Insured | ₹10 lakh or Unlimited |
| Plan variants | Infinix Now and Infinix Core |
The exact family composition, underwriting requirements and applicable terms can depend on the policy selected.
ManipalCigna Infinix Optional Covers & Add-ons
The ManipalCigna Infinix optional covers allow policyholders to extend their health insurance protection by paying an additional premium. The availability of these benefits depends on the plan variant and applicable conditions.
- High-End Diagnostic Tests: This optional cover provides up to ₹50,000 per policy year for eligible advanced diagnostic tests such as PET CT/MRI, coronary angiography and endoscopic ultrasound. It is available with Unlimited Base Sum Insured.
- New Beginnings (Maternity Cover): The New Beginnings optional cover provides maternity-related benefits, first-year vaccinations and newborn baby care. Customers can choose a base benefit of ₹5,000, ₹10,000 or ₹20,000, with the benefit increasing by 100% annually after completion of the second year, subject to the stated maximum and policy terms. A one-year waiting period applies.
- Personal Accident Plus: Personal Accident Plus can provide coverage of up to ₹3 crore for accidental death, permanent disablement, or both, depending on the option selected.
- Air Ambulance: Air ambulance is available as an optional cover, subject to the applicable limit and policy conditions.
- Annual Aggregate Deductible: Policyholders can choose an annual deductible of ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Once the selected deductible is exhausted during the policy year, eligible coverage applies according to the policy terms.
- One-Time Aggregate Deductible: This option allows a deductible of ₹25,000, ₹50,000 or ₹1 lakh. The deductible is exhausted only once in 10 years, while the applicable discount continues during that period, subject to the terms.
- Waiting Period Modification: For Infinix Core, policyholders can choose between Quick Access and Reduction of Waiting Period as optional covers. These options cannot be selected together.
ManipalCigna Infinix Exclusions & Limitations
Like other health insurance policies, ManipalCigna Infinix has certain exclusions. Some of the important exclusions mentioned in the brochure include:
- Out-patient treatment expenses, unless specifically covered under the policy
- Treatment arising from criminal conduct or illegal activities
- Health conditions arising from war, armed conflict or civil unrest
- Medical treatment received outside India
- Cosmetic or appearance-enhancing procedures, except eligible reconstruction following an accident, burns, cancer or where medically necessary
- Expenses that fall outside the policy's defined coverage
- Treatment at unrecognized hospitals
The above is only a summary. The complete list of ManipalCigna Infinix exclusions should be checked in the policy wording before purchasing the plan.
ManipalCigna Infinix Waiting Period
The waiting period for ManipalCigna Infinix depends mainly on whether you choose Infinix Now or Infinix Core.
| Waiting period | Infinix Now | Infinix Core |
| Initial waiting period | Coverage starts from Day 1 | 30 days |
| Pre-existing diseases | As applicable to the plan | 3 years |
| Specified diseases/illnesses | As applicable to the plan | 3 years |
| Quick Access option | — | Listed PEDs after 30 days; specified illnesses after 2 years |
| Reduction of Waiting Period | — | PEDs and specified illnesses reduced to 2 years |
| Maternity – New Beginnings | — | 1 year |
Infinix Core's standard waiting period for pre-existing diseases and specified illnesses is 3 years, while its 30-day initial waiting period applies to new illnesses. The optional Quick Access and Reduction of Waiting Period features can reduce certain waiting periods subject to eligibility and policy conditions.
How to Claim ManipalCigna Infinix Health Insurance?
ManipalCigna Infinix claims can generally be raised through cashless or reimbursement claim processes. The steps differ depending on whether you receive treatment at a network hospital or pay for the treatment yourself.
| Step | Cashless Claim | Reimbursement Claim |
| 1. Treatment | Visit a ManipalCigna network hospital for eligible treatment. | Take treatment at an eligible hospital and pay the expenses initially. |
| 2. Inform the insurer | Inform ManipalCigna and provide the required policy and hospitalizations details. | Inform ManipalCigna and submit the required claim details. |
| 3. Submit documents | The hospital submits the cashless pre-authorization request and required medical documents. | Submit the claim form along with bills, discharge summary, prescriptions, reports and payment receipts. |
| 4. Claim assessment | ManipalCigna reviews the pre-authorization request and assesses the treatment for coverage. | ManipalCigna reviews the submitted documents and assesses the admissible claim amount. |
| 5. Claim settlement | Once approved, eligible expenses are settled directly with the network hospital. | Once approved, the eligible reimbursement amount is paid to the policyholder. |
| 6. Customer payment | You may need to pay deductibles, co-payments, non-covered expenses and other inadmissible charges. | Non-covered expenses, deductibles, co-payments and other inadmissible amounts are deducted from the eligible claim. |
A cashless claim allows eligible hospital expenses to be settled directly with the network hospital, while a reimbursement claim requires you to pay first and claim the eligible amount from the insurer later.
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