ManipalCigna Health Insurance

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About ManipalCigna Health Insurance

ManipalCigna Health Insurance Company is a joint venture between the Manipal Group and Cigna Corporation (a global health services company). The company offers a full package of health insurance plans that cover overall medical expenses and provides the best health coverage to individuals, families, and employer-employee groups.

Highlights

Rewards Program54,000+
Claims Settled621+ Crore
Undergoing Lifestyle Coaching40,000+

Table Data updated on 19-11-2020

Following are the health insurance plans offered by Manipal Cigna:

Manipal Cigna health insurance

Types of ManipalCigna Health Insurance

1. ManipalCigna ProHealth Insurance

ManipalCigna ProHealth Insurance is designed to offer health coverage for expenses arising out of hospitalization. It offers multiple benefits to individuals and their families through its basic, value-added, and optional covers.

Eligibility Criteria

Minimum Entry AgeChild - 91 days, Adult - 18 years
Maximum Entry AgeNo limit
Sum AssuredRs. 2.5 Lakhs-1 Crore

Table Data updated on 19-11-2020

Features

  • The plan provides basic coverage for hospitalization charges (including pre and post-admission charges), daycare treatment, treatment taken at home, ambulance expenses, donor expenses, and worldwide emergency cover for treatments undertaken abroad.
  • The plan provides health reward points that can be redeemed during policy renewal. Also, policyholders can undergo health checkups and take the expert opinions on critical illnesses.
  • Policyholders can save tax as per section 80D of Income Tax Act, 1961.

2. ManipalCigna Super Top-up

ManipalCigna Super Top-up is a plan that provides additional coverage at an affordable premium amount that ensures the health needs of your loved ones are always taken care of.

Eligibility Criteria:

Minimum Entry AgeChild - 91 days, Adult - 18 years
Maximum Entry AgeChild: 23 years (family floater policy)
Adult: No limit
Policy Period1, 2 and 3 years

Table Data updated on 19-11-2020

Features

  • The plan offers coverage up to Rs.30 lacs at an affordable premium. The top-up covers expenses such as in-patient hospitalization, pre and post-admission charges, alternative treatment expenses, ambulance cover, donor expenses, etc.
  • Critical illness cover is available for 11 listed illnesses.
  • A family discount of 10% for covering 2 members of a family and a long-term discount of 7.5% for opting for a 2-year policy is provided.

3. ManipalCigna ProHealth Select

ManipalCigna ProHealth Select is a comprehensive plan that ensures to meet all your medical expenses without giving you much trouble.

Eligibility Criteria:

Minimum Entry AgeChildren: 91 days
Adults: 18 years
Maximum Entry AgeNo Limit
Sum InsuredRs.50,000-25 Lakhs
Policy Terms1, 2, or 3 years

Table Data updated on 19-11-2020

Features

  • Under reassurance benefit, if the policyholder is a victim of critical illness or permanent total disability, the policy can be extended up to 2 years without paying any additional premium.
  • The plan provides basic cover for hospitalization expenses, daycare treatment, and donor expenses. It also provides value-added options such as a cumulative bonus of 5% and healthy reward points that can be redeemed.
  • If the sum insured is not enough, that plan will restore 100% of the SI once in a policy year.

4. ManipalCigna Arogya Sanjeevani Policy

ManipalCigna Arogya Sanjeevani Policy secures the health of your family and offers coverage against all the listed modern treatments & procedures.

Eligibility Criteria:

Minimum Entry AgeChild - 91 days, Adult - 18 years
Maximum Entry AgeChild: 25 years (family floater policy)
Adult: 65 years
Policy Period1 year
Sum InsuredUp to Rs.5 Lakhs

Table Data updated on 19-11-2020

Features

  • Under this policy, a policyholder will be eligible to get coverage against non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy (up to the limit of sum insured).
  • The plan offers an increase in the sum insured through a cumulative bonus option in case no claims are made during the policy year.
  • The plan also offers a discount of 15% when 2 or more family members are covered under a single individual policy.

5. ManipalCigna ProHealth Cash

The ManipalCigna ProHealth Cash plan provides a fixed amount of daily cash to cover medical expenses that are not included under the standard health insurance.

Eligibility Criteria

Age at entryAdults: 18 years-65 years
Cash benefit rangeRs. 500 - 5000
Policy Period1, 2, or 3 years

Table Data updated on 19-11-2020

Features

  • The plan offers two variants with the following benefits:
    • Basic Plan:
      • Sickness hospital cash benefit
      • Accident hospital cash benefit (2 times the daily cash benefit)
      • ICU cash benefit (3 times the daily cash benefit)
      • Worldwide cover (3 times the daily cash benefit)
    • Enhanced Plan:
      • All benefits of Plan A
      • Convalescence Benefit (5 times the daily cash benefit)
      • Companion Benefit (50% of the daily cash benefit)
      • Compassionate Benefit (10 times the daily cash benefit)
  • Apart from the cash benefits, the policy also provides Accidental death and permanent total disability benefits ranging from Rs. 50,000 to 25 Lacs.
  • If the medical history is clear, no medical tests are necessary for individuals up to 55 years of age.

6. ManipalCigna ProHealth Group Insurance Policy

ManipalCigna ProHealth Group Insurance Policy is designed to provide complete health coverage to corporates, groups, associations, and employees. It covers the expenses arising out of hospitalization and provides a range of options that can be customized per the needs of the group.

Eligibility Criteria

Age LimitNo Age bar
Minimum number of members7
Sum assuredUp to Rs.1 crore

Table Data updated on 19-11-2020

Features

  • The plan offers a base cover that provides cover for all hospitalization expenses such as daycare expenses, pre, and post-admission expenses, road ambulance cover, domiciliary hospitalization, and donor expenses in case of organ transplants.
  • The policy provides cover on an individual and family floater basis.
  • Newborn babies are also covered from birth if any one of the parents is covered.

7. ManipalCigna Global Health Group Policy

ManipalCigna Global Health Group Policy is designed for companies that are looking to cover their employees and their families against medical expenses and offer global care for overall treatment.

Eligibility Criteria

Age LimitAdults: 18 years-95 years
Minimum number of members7
Policy Period1 year
Sum assuredUp to $10 Million

Table Data updated on 19-11-2020

Features

  • The plan offers wellness packages for living a healthy lifestyle.
  • You can grab multiple options like co-pay, deductible, etc. for cost-effective plans.
  • The other benefits of the plan include vision cover, newborn cover, cancer cover, etc.

8. ManipalCigna Lifestyle Protection - Accident and Critical Illness Care

ManipalCigna Lifestyle Protection policy is designed to provide complete health coverage to corporates, groups, associations, and affinity groups for their members and employees. It provides cover against all medical expenses arising out of hospitalization, including accident care and critical illness – all under one single policy.

Eligibility Criteria

Age Limit18-75 years
Policy Period1 year
Minimum number of members7
Sum assuredRs.10,000 - 50 Crores

Table Data updated on 19-11-2020

Features

  • The plan protects with a choice of optional covers in an unfortunate event of death or disability due to an accident.
  • The plan offers coverage against 36 listed critical illnesses.

9. ManipalCigna Group Overseas Travel Insurance Policy

ManipalCigna Group Overseas Travel Insurance provides cover for medical expenses incurred while travelling abroad during a family/business trip. It is designed for groups, associations, corporates, etc.

Eligibility Criteria

Age Limit0 days-95 years
Minimum number of members7
Policy Period1 year

Table Data updated on 19-11-2020

Features

  • The plan provides the following benefits grouped under three structures:
    • Benefit I: Medical expenses arising out of hospitalization due to injury or illness, like in-patient expenses, ICU charges, surgeon fees, specialist fees, diagnostic tests, etc.
    • Benefit II: This option covers expenses arising out of travel inconvenience due to trip cancellation and interruption, like ticket booking cancellation due to bad weather, flight delays, VISA cancellation, etc.
    • Benefit III: The option provides cover against accidental death, permanent, partial, and temporary disability due to accident.
  • Apart from the above covers, the policyholder also gets optional benefits such as cover for a life-threatening pre-existing disease, OPD expenses, emergency medical check-up, repatriation of mortal remains, dental treatment, daily allowance, maternity benefits, etc.

10. ManipalCigna FlexiCare Group Insurance

ManipalCigna FlexiCare Group Insurance offers flexibility to the policyholders and allows them to design a standard base cover for adequate protection.

Eligibility Criteria

Age LimitNo age Bar
Minimum number of members7
Policy Period1 year
Sum InsuredUp to Rs.5 Crore

Table Data updated on 19-11-2020

Features

  • The plan offers coverage against a wide range of ailments, perils, events, risks under different segments including accident, mediclaim, surgery, domestic travel, and wellness.
  • The plan also provides access to health and wellness programs that provide expert guidance on health-related matters.
  • The plan offers a choice of pay-out options like daily cash, indemnity, etc.

11. Corona Rakshak Policy, ManipalCigna

Corona Rakshak Policy is designed to provide lump-sum benefit (equal to 100% of the SI) on a positive diagnosis of COVID-19 (at a government authorised diagnostic centre). The insured should be hospitalized for a minimum continuous period of 72 hours to avail of coverage.

Eligibility Criteria

Age LimitFor Adults: 18 years-65 years
Policy Period3.5 months, 6.5 months, and 9.5 months
Sum InsuredRs.50,000-2,50,000

Table Data updated on 19-11-2020

Features

  • The policy can be availed on an individual basis and its premium should be paid in advance for a full policy period.
  • The plan offers all India coverage.

12. Corona Kavach Policy, ManipalCigna

Corona Kavach Policy is designed to cover COVID-19 related hospitalization/home care treatment expenses. The policy comes with a waiting period of 15 days.

Eligibility Criteria

Age LimitFor Adults: 18 years-65 years
Policy Period3.5 months, 6.5 months, and 9.5 months
Sum InsuredRs.50,000 - 5,00,000

Table Data updated on 19-11-2020

Features

  • The policy provides coverage against pre and post hospitalisation, road ambulance charges (Rs.2000/hospitalisation), and AYUSH treatment with an option of hospital daily cash.
  • The policy offers a 5% discount on the premium to health care workers.

How To Buy ManipalCigna Health Insurance?

There are two ways of buying ManipalCigna Health Insurance- directly from the company and PolicyX.com. Let's check them out.

Through 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.

Through PolicyX.com

  • Navigate to the top of this page and fill the details in the 'Calculate ManipalCigna Health Insurance Premium' form.
  • The next page will show you all the quotes from different companies. Select your favorite ManipalCigna plan and click on 'Buy Now'.
  • Pay the premium online and your policy document will be shared on your registered email address.

How To File A Claim For ManipalCigna Health Insurance?

Cashless Process

  • Intimate the company about planned (48 hours prior) or unplanned (within 24 hours) hospitalisation.
  • 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 Process

  • Intimate the insurer about the hospitalisation. Get the treatment done and pay the expenses.
  • During discharge, collect all the necessary documents such as original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills, and submit it to ManipalCigna with the duly filled claim form.
  • ManipalCigna will assess the documents.
  • If the claim is approved, the amount will be transferred to your registered bank account.

Contact Details of ManipalCigna Health Insurance

Address:

ManipalCigna Health Insurance Company Limited 401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai 400063.

Address:

1800-102-4462 (Valid only for calls made from India)

+91 22 4985 4100 (Valid for International Calls)

Email Address:

For queries: customercare[at]manipalcigna[dot]com

For policy alterations: mychangerequest[at]manipalcigna[dot]com

Frequently Asked Questions (FAQ's)

1. Does ManipalCigna Arogya Sanjeevani Policy feature any co-payment clause?

Yes. Under Arogya Sanjeevani Policy, 5% co-pay applies to all claims.

2. Does ManipalCigna ProHealth Cash offer coverage for daycare treatments?

The plan offers coverage for a lower of 5 times the daily cash benefit or Rs.25,000 for listed procedures for a maximum of 5 daycare treatments.

3. How can I renew my ManipalCigna Health policy?

There are two ways by which you can renew your policy:

  • Making premium payments at the nearest branch of ManipalCigna.
  • Paying premium online using your net banking, credit card, or debit card on the company's website.

Page updated on 19-11-2020