ManipalCigna (Formerly CignaTTK Health Insurance Company Limited) is a joint venture between the Manipal Group and Cigna Corporation (a global health services company).
ManipalCigna is a standalone health insurance company and a leading name in the insurance industry. It is committed to providing world-class health care services and vows to be your partner in illness and wellness.
ManipalCigna health insurance delivers a wide range of health insurance services covering individual insurance plans, family floater, critical illness, personal accident, group mediclaims, top-up, cash policy, and overseas travel
cover to meet diverse medical needs.
ManipalCigna health insurance has established itself as a revolutionary name in the healthcare industry with its innovative products and services catering to 180M+ customers worldwide.
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Manipal Cigna Health Insurance Plan Detailed Review
Why choose ManipalCigna Health Insurance?
To understand the benefits and advantages of ManipalCigna Health Insurance take a look at the key features mentioned below that will help you analyze the company in a better way, helping you to make an informed decision:
Network Hospitals: The company has a tie-up with more than 8500+ hospitals. These hospitals allow the policyholders to avail cashless treatments at the time of a medical emergency.
Claim Support: ManipalCigna Health Insurance has one of the highest claim settlement ratios in the health insurance industry. Claim support of an insurer helps you analyze its claims settling ability.
As per the IRDAI annual report of 2021-22, the claim support of ManipalCIgna Health Insurance is 99.90.
Solvency Ratio: ManipalCigna Health Insurance has a Solvency Ratio of 1.67 as per the IRDAI annual report 2021-22. The solvency ratio helps the prospective policyholder assess the ability of a company
to meet its financial obligations. As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer.
Annual Premium: As per the annual report of IRDAI 2021-22, the Annual premium of ManipalCigna Health Insurance is 986.18 Cr.
PAN India Presence: With a presence in more than 15 cities, ManipalCigna Health Insurance company ensures that the policyholder can directly visit their nearest branch office for any of their policy-related
or claim-related queries.
All You Need To Know About ManipalCigna Health Insurance? Find complete details in one go!
ManipalCigna offers extensive categories of health insurance plans for their diverse customer base. The company offers individual plans, family floater, critical illness, global health insurance, and more to meet various health insurance
needs.
ManipalCigna Health Insurance Individual & Family Plans
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.
Unique Features
Avail Global OPD
Cancer treatment
High SI
Manipalcigna Lifetime (Pros)
No room rent limit
Avail Loyalty discount
Global OPD
International Second Opinion
27 CI Covered
Manipalcigna Lifetime (Cons)
Hazardous Activities not covered
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Manipalcigna Lifetime (Other Benefits)
Travel Expenses Benefit
Global Second Opinion
Critical Illness Cover
Women+ Cover
Air Ambulance Cover
Manipalcigna Lifetime (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 L to 3 Cr
Waiting Period - 30 Days
Comprehensive Plan
Manipal Cigna Prime Senior
A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Health Plan
Up to 30 Lakhs SI
Beat Medical Care Inflation
ManipalCigna Super Top-up Plan (Pros)
Add On CI benefit
Up to 50% Cumulative Bonus
Donor Expenses Cover
Day Care Treatment Cover
Ambulance Cover
ManipalCigna Super Top-up Plan (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
ManipalCigna Super Top-up Plan (Other Benefits)
Optional Covers Available
Add-on Covers Available
Non-medical expenses Cover
Opt for Any Room Category
Tax Benefits
ManipalCigna Super Top-up Plan (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - No limit
SI - 3 L to 30 Lakhs
Waiting Period - 30 Days
Affordable Plan
ManipalCigna Pro Health Select
Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.
Unique Features
2 Plan Variants Available
Avail Customized Features
Long Term Policy
Pro Health Select (Pros)
Reassurance Benefits
High SI Up to 25 Lakhs
Tax Benefits
171 Day Care Procedures
Ambulance Cover
Pro Health Select (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
Pro Health Select (Other Benefits)
Premium Waiver Option
Long Term Policy
Restoration Benefit
Health Reward Points
AYUSH Cover
Pro Health Select (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - No limit
SI - 3 L to 25 Lakhs
Waiting Period - 30 Days
Affordable Plan
Manipal Cigna Secure Health
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Premiums
AYUSH Treatments
Day Care Procedures
Manipal Cigna Secure Health (Pros)
Modern Treatments Covered
Road Ambulance Covered
Cataract Cover
Emergency Ambulance
Pre and Post Hospitalization
Manipal Cigna Secure Health (Cons)
48 Months PED Waiting Period
Injuries due to unlawful activities
Obesity
Injuries due to illegal activities
Dental Treatment
Manipal Cigna Secure Health (Other Benefits)
Tax Benefits
Flexible-Premium Payments
Multiple Discounts
Portable Policy
Renewable Policy
Manipal Cigna Secure Health (Eligibility Criteria)
Entry Age - Newborn
Max Entry Age - 65 Years
SI - 4 & 5 Lakhs
Waiting Period - 30 Days
Affordable Plan
ManipalCigna ProHealth Cash
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.
Unique Features
Customizable Plan
42 Optional Covers
Personal Accident Cover
Pro Health Group (Pros)
Avail hospitalization cover
Inpatient Hospitalization
Day Care Cover
Pre & Post Hospitalization
Road Ambulance
Pro Health Group (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Pro Health Group (Other Benefits)
Donor Expenses Cover
AYUSH Treatment Cover
Daily Cash Benefits
Critical Illness Cover
Personal Accident Cover
Pro Health Group (Eligibility Criteria)
Entry Age - No Limit
Max Entry Age - No Limit
SI - 5k to 1 Crore
Waiting Period - 30 Days
Group Plan
ManipalCigna Lifestyle Protection Group Policy
An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.
Unique Features
Flexible Base and Optional Covers
36 CI Covered
Cancer-only coverage available
Lifestyle Protection Group Policy (Pros)
Accidental Death Benefit
Permanent Total Disability Benefit
Multiple Optional Benefits
Partial Disability Benefit
Temporary Total Disability Benefit
Lifestyle Protection Group Policy (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Lifestyle Protection Group Policy (Other Benefits)
Survival Period Waiver
Emergency Road Ambulance
Hospital Cash Benefit
Family Counselling
Medical Second Opinion
(Eligibility Criteria)
Entry Age - 5 Years
Max Entry Age - 75 Years
SI - Up to 50 Crores
Waiting Period - 30 Days
Group Plan
ManipalCigna FlexiCare Group Insurance Policy
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Wellness Program
Customizable Cover
Home Care Benefit
FlexiCare Group Policy (Pros)
EMI Protection
Pay-out Options Available
Domestic Travel Cover
Premium Waiver
Cost Effective Plan
FlexiCare Group Policy (Cons)
Injuries due to Unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
FlexiCare Group Policy (Other Benefits)
Surgery Cover
Day Care Cover
OPD Cover
Home Care Cover
Income Protection
(Eligibility Criteria)
Entry Age - No limit
Max Entry Age - No limit
SI - Up to 5 Crores
Waiting Period - 30 Days
Group Plan
ManipalCigna Group Overseas Travel
Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.
Unique Features
Customizable Plan
Travel Expense Cover
Avail adventure sports cover
Group Overseas Travel (Pros)
Loss of Baggage Cover
Hijack Cover
OPD Cover
Easy Plan Management
24/7 Toll-Free Assistance
Group Overseas Travel (Cons)
Injuries due to Unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Group Overseas Travel (Other Benefits)
Medical Expenses Cover
Travel Inconvenience Cover
Travel Personal Accident Cover
51 Optional Covers
Cruise Cover
Group Overseas Travel (Eligibility Criteria)
Entry Age - 0 Days
Max Entry Age - 95 Years
SI - Up to $ 50 Lac
Waiting Period - 30 Days
Group Plan
ManipalCigna Global Health Group Policy
A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.
Unique Features
Avail Global Health Care
Wellness Program
Multiple Optional Covers
Global Health Group Policy (Pros)
Outpatient Benefits
In-patient Hospitalization
Day Care Cover
Maternity Cover
New Born Cover
Global Health Group Policy (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Global Health Group Policy (Other Benefits)
Dental Cover
Vision Cover
Travel Vaccination Cover
Cancer Cover
Psychological Care
Global Health Group Policy (Eligibility Criteria)
Entry Age - Day 1
Max Entry Age - 95 Years
SI - $ 10 Million
Waiting Period - 30 Days
Manipalcigna Health Insurance Network Hospital List
ManipalCigna offers multiple Health Insurance Plans that cover individual plans, family plans, critical illness plans, accident coverage plans, daily hospital expense plans, group protection and more. Below mentioned are some unique
benefits and advantages a policyholder can acquire when purchasing a ManipalCigna Health Plan:
Healthy Lifestyle Rewards: ManipalCigna is an advocate of healthy living and motivates individuals to bring healthy changes in their lifestyle and provides multiple benefits to those who follow a healthy
lifestyle by embedding multiple features in their health insurance plans.
Offers Health and Wellness Program: ManipalCigna offers a specialized health and wellness program to their customers enabling overall well-being.
High Sum Assured Options: Manipal Cigna Health Insurance plans offer a high sum assured to cover various medical needs for policyholders. The insurance provider has also designed special customizable health
plans for people traveling abroad.
ManipalCigna Rider Benefits: ManipalCigna Health Insurance provides additional riders with its health insurance plans that offer added protection
to the policyholders in case of medical emergencies.
What is covered in ManipalCigna Health Insurance Plans?
ManipalCigna Health Insurance Company Limited comes loaded with health insurance plans. The company ranges its services from comprehensive plans, affordable plans, critical illness plans, accidental cover plans to group plans. Let's
discuss the coverage of Manipal Cigna health insurance plans in detail.
Hospitalization cover: Manipal health insurance offers plans with in-patient hospitalization which include pre and post hospitalization expenses. The hospitalization cover plans offered by ManipalCigna
health insurance company limited are affordable and come with benefits like day-care treatment, donor expenses including the cost of organ and transplant, maternity and new-born medical expenses along with first-year vaccination
charges. Critical illnesses coverage including health check-ups and expert opinion. In addition to this, several discounts such as long-term, family, co-pay, cancellation provision and tax benefits.
Personal accident cover: Cigna Health Insurance also offers personal accident cover which includes, 100% sum insured payout in case of accidental death or permanent total disability, emergency ambulance
cover, orphan benefit, funeral expenses, child education fund, broken bones benefits, coma benefits, burns benefits and temporary total disablement benefits.
Critical illness cover: Manipal health insurance plans also offer coverage for 30 critical illnesses. The company prepares you well for a critical ailment by providing a sum insured of up to 3 crores or
up to 10 times of your annual income.
Daily hospital cash: Cigna health insurance offers a daily hospital cash plan which comes in handy when your base plan does not cover daily hospital expenses. The coverage of the plan is from INR 500 to
INR 5000. The number of days can go from 60 to 90 to 180 in the policy term of 1, 2 and 3 years.
Group Insurance: ManipalCigna health insurance company limited offers group insurance solutions which include some amazing features like restoration of the sum insured, worldwide emergency cover, inpatient
hospitalization cover, tax benefits, no room rent capping and deductible option.
Riders: ManipalCigna Health Insurance also offers 16 plan riders that come with benefits like entire payment of sum insured on the diagnosis of listed critical illnesses, OPD cover, enhanced health coverage,
hospitalization cover, affordable premiums, personal accident coverage, daily hospital cash, global healthcare insurance, travel insurance, and much more.
ManipalCigna Health Insurance Plans Premium Calculation
ManipalCigna Health Insurance allows customers to calculate their premiums online with the help of the ManipalCigna Health Insurance Premium Calculator. This calculator helps the potential policyholder to get an idea of how much he
needs to pay annually.
One can calculate their premiums by providing the below-mentioned details:
Age of the policyholder
Medical history of the policyholder
Members added in a single plan
Sum cover opted
Lifestyle
Calculate ManipalCigna Health Insurance Premium
Here are some ManipalCigna Health premium charts for you to understand the calculation of the different Health Insurance policies.
ManipalCigna ProHealth Prime
Plan Variants
Protect
Advantage
Active
Premium Payable (in Rs.)
16,331
17,460
10,727
**Premium calculated for a couple aged 30 & 25 years and a chosen sum insured is 10 Lakhs for 1 year.
ManipalCigna Lifestyle Protection Critical Care
Plan Variants
Basic
Enhance
Premium Payable (in Rs.)
2,915
3,776
**Premiums calculated for an adult of 30 years with a chosen sum insured of 10 Lakhs for 1 year.
ManipalCigna Lifestyle Protection Accident Care
Plan Variants
Basic
Enhanced
Comprehensive
Premium Payable (in Rs.)
1,086
1,912
2,089
**Premiums calculated for a 30-year-old male, with a chosen sum insured of Rs 10 lakhs.
ManipalCigna Health Insurance Buying Process
For buying ManipalCigna Health Insurance policy, one has two options. Either they can purchase directly from the website or can buy from PolicyX.com.
Buying from the company's website
Visit the official website of "Manipal Cigna Health Insurance" and click on the 'Quick Quote' tab.
Fill up all the required details and click on 'View Quote'.
Choose the plan as per your needs and make the payment online.
Your policy document will be mailed to you at your registered email address.
Buying from PolicyX.com
Fill in the details in the 'Calculate Premium' form.
The next page will show all the available plans.
Choose the ManipalCigna health plan and click on 'Buy Now'.
Pay the premium and your policy document will be shared with you on your registered email id.
Why Buy from PolicyX.com?
With so many buying options available in the market, one must think about why he/she needs to choose PolicyX.com. Well, we are here to answer.
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved
by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying any extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance Within 5 Minutes: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any trouble.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
How to Renew My ManipalCigna Health Insurance Policy?
ManipalCigna Health Insurance policy allows the customer to renew their policy online. Follow the below steps to renew your Health Insurance Plans:
Visit the company's website and click on the 'Renew' option.
From Drop Down Menu Select whether you are a "Retail Customer" or "Group Customer"
Enter your policy number and click 'Proceed'. Fill in other information, if prompted.
You will get the renewal premium amount.
Click on the 'Pay now' option to make the payment.
On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.
ManipalCigna Health Insurance Claim Process
ManipalCigna Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose cashless claims or can opt for reimbursement claims:
Cashless Claim
Intimate the company about planned (48 hours prior) or unplanned (within 24 hours) hospitalization.
Provide the health card and ID proof at the network hospital.
The network hospital will then send the pre-authorization form and medical records to ManipalCigna, which will verify all the details.
During discharge, the network hospital will send the discharge summary to the company authorizing the amount.
Once everything is sorted, ManipalCigna will make the payment to the network hospital.
Reimbursement Claim
If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.
To file a claim, submit the following documents to ManipalCigna within 15 days of discharge:
Claim form (Part A & B)
Health card
KYC documents
Original discharge summary
Hospital bills
The invoice with payment receipt
All consultation papers
Others
After reviewing the documents, ManipalCigna will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.
Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).
How To Contact ManipalCigna Health Insurance
Here is how you can reach out to ManipalCigna Health Insurance:
ManipalCigna Health Insurance Company Limited 401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai 400063.
customercare@manipalcigna.com
1800-102-4462 (24*7)
Manipal Cigna Health Insurance: FAQ's
1. What are the necessary documents at the time of claim intimation for ManipalCigna health insurance plans?
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
2. When can I use my ManipalCigna Health reward points?
You can use health reward points while making the renewal premium payment online at the time of policy renewal.
3. How can I download my Health E- card?
You can download your e-health card by visiting the claims section on the official website of Manipal Cigna Health Insurance. Enter your policy number, name, and OTP that will be sent on your registered mobile and email.
On verification of the OTP, you can view your E-card.
4. What to do if my claims get rejected?
In such a case, you can resubmit your claim for evaluation within 15 days for reconsideration of the decision.
5. How can I find out if my claim has been approved or not?
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.
6. Is there a limit to how many claims I can file in a policy year?
There is no limit on the number of claims that can be made in a policy year.
7. What should I do if there isn't a network hospital of ManipalCigna health insurance at my location?
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 witin three days before the hospitalization.
8. Can I get my policy updates on WhatsApp?
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.
9. What to do if the health policy from ManipalCigna health insurance company lapses?
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 15-30 days in which you can pay the premium amount to continue availing the
benefits.
10. What is the procedure for receiving a payment receipt from Manipal Cigna Health Insurance?
Simply visit the Manipal Cigna's website or app and download the payment receipt.
11. What are the documents required to make a reimbursement claim?
The following documents are required to make a reimbursement claim:
Duly signed claim form
Hospital Break up bill
Hospital Discharge summary
Copy of photo ID of the patient
Hospital Main Bill
Operation Theatre notes
Investigation reports
X-Ray, CT films, ECG, MRI, HPE, Original investigation reports
12. What is ManipalCigna hospital cover?
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.
13. Is ManipalCigna and Cigna the same insurance company?
ManipalCigna Health Insurance Limited is a joint venture between the Manipal group and Cigna Corporation, a global company.
14. What are the common exclusions of ManipalCigna Health insurance plans?
Some common exclusions are pre-existing diseases, cosmetic surgeries, injuries caused by self-harm and suicide, cosmetic surgeries, and inclusion in war and criminal activities.
15. What does ManipalCigna Hospitalization not cover?
Hospitalization due to HIV AIDS, drug abuse, suicide, disease due to radiation, and civil war.
16. Do ManipalCigna plans provide tax benefits?
Yes, you can avail tax benefits from ManipalCignal plans under section 80D of the Income Tax Act.
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