Hey , My grandmother has recently been diagnosed with breast cancer, and our family is going through a very difficult time. We have a ManipalCigna Health Insurance policy, and I want to understand if it covers breast cancer treatment. Could you please confirm whether expenses like chemotherapy, surgery, radiation therapy, and follow-up consultations are included ?
Hii, When my aunt was diagnosed with breast cancer last year, it was one of the toughest times for our family. We had a ManipalCigna Health Insurance policy, and I can say from my personal experience that it truly helped us manage the financial strain of the treatment.
Breast cancer treatment is generally covered under most ManipalCigna health insurance plans, provided you have completed the waiting period (which is often 90 days for new policies and up to 2 years for pre-existing conditions, depending on your plan). In our case, the coverage included chemotherapy sessions, surgery, radiation therapy, hospitalization charges, prescribed medicines, and even some follow-up consultations.
The key steps that helped us were:
• Informing ManipalCigna immediately after the diagnosis.
• Getting pre-authorization approval for the treatment, which allowed us to use the cashless facility at a network hospital.
• Keeping every medical report, prescription, and bill organized for smooth claim processing.
One thing I appreciated was that the policy also covered pre-hospitalization tests and post-hospitalization care within the timelines mentioned in the plan. We didn’t have to worry about large upfront payments, which meant we could focus entirely on my aunt’s recovery.
If your grandmother is starting treatment soon, I’d strongly recommend checking your policy wording or calling ManipalCigna’s customer care to confirm the exact coverage, waiting periods, and documents required. Having clarity early on will save you a lot of stress and let you give her your full support during this time.