ManipalCigna (formerly Cigna TTK, renamed in 2019) is a standalone health insurer and a JV of the Manipal Group and ...Read More
ManipalCigna (formerly Cigna TTK, renamed in 2019) is a standalone health insurer and a JV of the Manipal Group and Cigna, operating since 2014. It offers family health, critical illness, personal accident, super top-up and maternity plans, plus dedicated micro-insurance for rural communities. ...Read Less
93.7%
Claim settlement
3 Cr
Max sum insured
9
Active plans
1.76x
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
📊 1.76x solvency ratio
✅ 93.7% claim settlement
🌐 77 pan-India
What you get with ManipalCigna Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 3 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
93.7% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.76x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
9 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
ManipalCigna Health Insurance Company is a leading standalone health insurer in the market. It is a joint venture between two renowned entities: Manipal Group and Cigna Corporation. Its mission is to improve the health, well-being, and peace of mind of its customers. It started in 2014 as Cigna TTK Health Insurance and was renamed ManipalCigna in 2019. It collected ₹1,798 Cr in premium and paid 4.59 lakh claims in FY 2024-25 (IRDAI).
A comprehensive wellness system to promote a healthy lifestyle
Emergency air ambulance services
International travel for treatments
Unlimited teleconsultations
ManipalCigna Health Insurance Awards and Accolades
Best Innovation for Products 2024
Best Digital Customer Experience Award
Customer Experience Team of the Year
Health Insurance Company of the Year
Leader in Customer Engagement Initiatives 2023
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Manipal Cigna Health Insurance | DETAILED Review | Plans, Benefits & Claim Process
Manipal Cigna Health Insurance Plan Detailed Review
ManipalCigna Health Insurance Performance Over the Last 5 Years
Financial Year
Gross Direct Premium (₹ Cr)
YoY Growth
Claims Paid
Claims Repudiated
Claims Paid (%)
Incurred Claim Ratio
Lives Covered
2024-25
1,798
6.3%
4,58,566
30,771
93.71%
73.31%
1.71 Cr
2023-24
1,691
24.3%
3,94,004
50,480
88.64%
64.41%
2.53 Cr
2022-23
1,360
37.9%
3,66,142
39,447
90.27%
66.00%
1.25 Cr
2021-22
986
30.6%
3,10,743
35,045
89.87%
77.02%
71.0 Lakh
2020-21
755
–
2,20,064
23,742
90.26%
61.96%
48.0 Lakh
Source: IRDAI Handbook on Indian Insurance Statistics 2024-25 (Tables 40, 53, 58, 62). Claims Paid (%) = claims paid ÷ (paid + repudiated), by number of claims. Lives covered include group members, which is why they swing between years.
ManipalCigna's premium more than doubled in five years, from ₹755 Cr to ₹1,798 Cr, and the share of claims it paid rose to 93.71% in FY 2024-25, its best in five years.
Solvency ratio: 1.76x (March 2025)
Branch offices: 104
Why Choose ManipalCigna?
Versatile and affordable health insurance plans for every need
24x7 customer support for easy claim settlement
Offers comprehensive coverage at affordable premiums
Adults 18+ (no upper limit); children 91 days–30 yrs (floater)
36 months (Sarathi 2.0 add-on covers asthma, diabetes, hypertension, dyslipidemia and obesity after 30 days)
Unlimited restoration; Gullak bonus of 100% a year (up to 1,500%); single private AC room; no zonal co-pay; 90/180 days pre/post; wellness rewards up to 20%
Families wanting very high cover and early PED cover
Restoration for unrelated illnesses; 15% guaranteed bonus a year (no cap); one year's premium waived on listed critical illnesses; any room including suite; Global plan adds treatment abroad and medical evacuation
High earners wanting large cover, or treatment abroad (Global plan)
20% co-pay (can change to 0/10/30%); single private AC room; guaranteed 10% bonus a year (up to 100%); multiple restorations built in; 60/90 days pre/post
Adults 18+ (no upper limit); children 91 days–23 yrs (floater)
36 months (optional reduction to 24 months)
Tops up a base or corporate policy; multiple deductible options; any room; SI grows 5% a year (up to 50%); 60/90 days pre/post; 1–3 year term
People with employer cover wanting cheap extra protection
Book a free call with a PolicyX expert
What is Covered Under ManipalCigna?
Pre and Post Hospitalization Expenses
ManipalCigna Health Insurance understands the impact of rising medical expenses; thus, its insurance products cover pre- and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most ManipalCigna Health Insurance plans have inbuilt alternative treatment cover, which policyholders can utilize. AYUSH treatment includes Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy.
Hospitalization Expenses
ManipalCigna health insurance plans cover hospital expenses, including:
Room rent
ICU charges
Surgery expenses
Doctor consultations
Other related expenses
Day Care Treatments
Multiple procedures do not require 24-hour hospitalization. With this in mind, a majority of ManipalCigna health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor's recommendation, a policyholder can avail medical care in the comfort of their home. ManipalCigna health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What Are The Different Waiting Periods In ManipalCigna Health Insurance Plans?
The various waiting periods associated with ManipalCigna Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most ManipalCigna Health Insurance plans.
Pre-existing Disease Waiting Period
ManipalCigna Health Insurance plans require policyholders to serve specific waiting periods in case they are diagnosed with pre-existing diseases (PEDs) such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, ManipalCigna health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
ManipalCigna vs Aditya Birla vs Niva Bupa vs Care Health vs Star Health
ManipalCigna's CSR is above Niva Bupa's and Star's but below Aditya Birla's and Care's. It is the smallest of the five by premium and branch count.
Riders Of ManipalCigna Health Insurance
ManipalCigna health insurance plans offer comprehensive coverage. However, to enhance your health insurance experience, the health insurer also provides add-on covers.
Health 360
This rider gives enhanced coverage by adding the sum insured to your base policy. It also covers non-medical expenses such as gloves, scissors, etc.
Comes in three variants, with different sum insured options.
It covers the cost of hospitalization, ambulance, injuries, and illness.
All the waiting periods are as per the underlying base policy.
Pros and Cons
Pros
Cons
Paid 93.71% of claims in FY 2024-25, its best in five years
Smallest premium base (₹1,798 Cr) and branch network (104) of the five insurers compared
Sarvah offers cover up to ₹3 Cr with unlimited restoration
Premium growth slowed to 6.3% in FY 2024-25
Gullak bonus adds 100% of SI every year, up to 1,500%
Prime Senior carries a default 20% co-pay
Sarathi 2.0 covers diabetes, hypertension and asthma after 30 days
Many plans and add-ons, so comparing takes time
Solvency ratio (1.76x) is higher than Care's (1.68x)
CSR (93.70%) is below Aditya Birla and Care
How to Buy ManipalCigna Health Insurance Plans?
If you are looking forward to purchasing ManipalCigna Health insurance online, follow these simple steps:
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare ManipalCigna Health Insurance Plans as per your needs.
Select and pay premiums online for the ManipalCigna health insurance plan of your choice.
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your ManipalCigna Health Insurance plan.
Documents Required For ManipalCigna Health Policy Claim Settlement
Submit the following documents when filing for ManipalCigna health claims:
Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim
Why ManipalCigna Claims Get Rejected
In FY 2024-25, ManipalCigna paid 4,58,566 claims and repudiated 30,771 (IRDAI).
Reason
How to Avoid
Pre-existing disease not disclosed
Declare every condition and medication in the proposal form
Claim made during a waiting period (30 days / 2 years / up to 3 years)
Check the waiting periods on your policy schedule
Treatment falls under permanent exclusions
Read the exclusion list in the policy wording
Room above the eligible category
Choose the room type in your policy, or expect a proportionate deduction
Late intimation
Inform the insurer within 48 hours of emergency admission, or 3 days before planned treatment
Fill in details such as name, number of family members to be covered, city, and other information.
Click on 'Get Quotes'.
Connect with PolicyX health insurance experts for ManipalCigna health insurance policy premium enquiries at 1800-4200-269.
ManipalCigna Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your ManipalCigna Health Insurance Plans by following these easy steps:
Visit the website of ManipalCigna Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to access the form.
Now select "health claim" and provide the required information, which includes your policy number, date of birth, and other requested details.
Now select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on "Authorize" and you will receive an OTP on your verified number.
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and fill in the hospital details in case of a non-network hospital.
Upload the requested documents and click on the "review" button.
After clicking on the review button, you should submit the intimation for the company to review. You will receive a claim intimation number which you should note down for future reference.
How to Renew ManipalCigna Health Insurance?
Follow these steps for ManipalCigna Health Insurance policy renewal:
Visit the official website of ManipalCigna Health Insurance Company.
Click on the ‘Renew’ tab.
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for ManipalCigna health insurance policy renewal at 1800 - 4200 - 269.
How To Port To ManipalCigna Health Insurance?
To port your existing policy to ManipalCigna Health Insurance, follow the steps mentioned below:
Fill out the portability form and send the application at least 30 days, but not earlier than 60 days, before your existing plan's renewal date.
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Once the policyholder's details are verified, the new insurance company has to communicate its decision—either approval or rejection—within 15 days.
All 9 ManipalCigna Health Insurance plans
Every plan currently being sold by ManipalCigna Health Insurance, shown side-by-side so you can shortlist quickly.
Most popularIndividual and Family Health Insurance
ManipalCigna Sarvah Plan
ManipalCigna Sarvah is a health plan targeting India's "missing middle" population with affordable, inclusive coverage against rising healt…
The 15 most-asked questions about ManipalCigna Health Insurance, answered.
One needs to provide the below-mentioned details at the time of intimation of Claim: Policy Number Name of the Policyholder/Patient Name of the Insured Person in whose relation the Claim is being lodged Nature of Illness / Injury Name and address of the attending Medical Practitioner and Hospital Date of Admission Any other information as requested by us
In such a case, you can resubmit your claim for evaluation within 15 days for reconsideration of the decision.
ManipalCigna health insurance offers two types of claim process: In cashless claims, the insurance company will send the approval directly to the hospital. You will get an email and sms to your registered email address and mobile number. In reimbursement claims, you will receive updates on the status of your claim through email and SMS.
There is no limit on the number of claims that can be made in a policy year.
You can receive treatment at a non-network hospital and file a reimbursement claim. In case of an emergency, you must intimate the manipalcigna health insurance company within 48 hours of your admission. In the case of planned treatment, you must intimate the insurance company within three days before the hospitalization.
You must answer "Yes" to the question "Would you like to subscribe to important alerts on WhatsApp?" on the application form when purchasing the policy from ManipalCigna Health Insurance.
If you do not pay the premium on time your health policy may lapse. In this case, ManipalCigna health insurance company offers a grace period of 30 days for yearly, half-yearly and quarterly premiums, and 15 days for monthly premiums.
Simply visit the Manipal Cigna’s website or app and download the payment receipt.
ManipalCigna Health Insurance Limited offers 2 plans for private hospitalization coverage. These plans come with loaded features such as pre and post-hospitalization expenses, room charges, nursing charges, ICU charges, surgeon etc.
Common exclusions are cosmetic surgery, self-inflicted injuries, war, and injuries from criminal activities. Pre-existing diseases are covered after the waiting period.
Hospitalization due to HIV AIDS, drug abuse, suicide, disease due to radiation, and civil war.
Yes, you can avail tax benefits from ManipalCigna plans under section 80D of the Income Tax Act.
Yes. ManipalCigna family health plans have these waiting periods: Initial waiting period: 30 days. This doesn’t apply to accidents. Specific ailments waiting period: 24 months, for conditions like cataract, hernia and joint replacement. Pre-existing diseases waiting period: up to 36 months, depending on the plan. LifeTime Health has a 2-year wait. The Sarathi 2.0 add-on on Sarvah covers listed conditions such as diabetes, hypertension and asthma after 30 days.
No. Only ManipalCigna LifeTime Health Insurance plan comes with a Global plan that allows you to avail medical coverage outside India.
You can cancel your ManipalCigna health insurance coverage by sending a written request to do so. You can do this during the free-look period or at any time throughout the policy term. You can cancel and get your money back during the free-look period, but you may have to pay if you cancel after that.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
Insurance:
Compare:
VS
Compare with other insurers
Head-to-head reviews of insurers most often shortlisted alongside ManipalCigna Health Insurance.
Aggregate ratings from 2,708 verified PolicyX customers who bought a ManipalCigna Health Insurance plan.
4.4
out of 5
★★★★☆
2,708 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
ChatGPT
Claude
Perplexity
