One of the few standalone companies in the market, Manipal Cigna Health Insurance Company is the leading name in the market. It is a joint venture between two renowned companies- Manipal Group and Cigna Corporation. They are on a mission to improve the health, well-being, and peace of mind of their customers. Manipal Cigna health insurance company was formed in the year 2014 since then they have been offering a wide range of health insurance plans with attractive features.
What does Manipal Cigna Health Insurance Do?
Manipal Cigna offers various quality-driven products related to family health insurance, critical illness coverage, personal accident, super top-ups, and Maternity insurance along with micro-insurance products for rural areas. With Manipal Cigna Health Insurance you can feel safe when in need. You need to pay the amount as premiums and during times of need, the company will pay the bills. That's how Manipal Cigna health insurance works.
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Manipal Cigna Health Insurance Plan Detailed Review
Some Interesting Facts about Manipal Health Insurance
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.
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
Why Choose Manipal Cigna Health Insurance?
Manipal Cigna is the specialized health insurance in India, known for its health care products that have shown remarkable change in the insurance world. Their products are significantly designed their products for every individual. Read below:
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.
Know What is Covered- Inclusions
Hospitalisation Cover
All your hospital bills are being taken care of by your insurance policy in case of any need. This includes pre and post-hospitalisation expenses.
Personal Accident Cover
Your Cigna health insurance offers personal accident cover which includes a 100% sum insured payout in case of death or permanent disability due to accident.
Critical Illness Cover
Manipal Cigna also covers up to 30 critical illnesses. The company prepares you well for a critical ailment by providing a sum insured of up to 3 crore.
Daily Hospital Cash
This 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
You can get group insurance for yourself and your family to secure them in case of any emergency in one premium.
Benefits Riders
In case your insurance policy does not cover some issues, then you have benefit riders that will cover a lot in sum insured.
What is not Covered?- Exclusion
Pre-existing health conditions
Any pre-existing health conditions or medical illness will not be covered in the health insurance policy.
Cosmetic Measures or Plastic Surgery
If you are planning for tummy tucker therapy to look smarter, then it a disappointing to tell you that the policy does not cover any kind of cosmetic or plastic surgery.
Self-Inflicted Injuries
If the injury happens due to self-harm, then it will not be covered. Hazardous or Adventure Sports The mediclaim policies will not cover the expenses that might happen because of any complication while indulging in hazardous or adventure sports activities.
Waiting Period in Manipal Cigna Health Insurance
When you buy a policy, your coverage does not start immediately after the issuance. There is a time frame that you need to complete before the coverage of this policy begins. This time period is called the waiting period in Manipal Cigna Health Insurance. At this time you cannot claim the money. The range and time period of the waiting period depend on various factors like policy, coverage, and types of diseases.
Let us check out some of the types of waiting periods:
Initial Waiting PeriodThe time period in the initial waiting period starts immediately after you get the policy. Most of the time it is 30 days from the date you get the policy.
Waiting Period for Pre-Existing Diseases (PED)For pre-existing diseases such as diabetes and hypertension, a longer waiting period of 2 to 4 years is initiated. During this time, you cannot claim your hospitalization or treatment expenditure.
Waiting Period for Maternity CoverThe waiting period for maternity cover is between 9 to 12 months from the date you bought the policy.
Factors to Consider While Buying Manipal Cigna Health Insurance
Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.
Verify Eligibility-Health Policies come up with the different entry age restrictions. In Manipal Cigna Health, the entry age is 91 days on a floater basis.
Ensure the Maximum Coverage-Check out the coverage your health insurance is providing. Like Manipal Cigna Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.
Look for Affordable Premiums-Keep a note of the premiums that you need to pay. Manipal Cigna Health provides a digital portal where you can calculate the premiums.
Check for the Exclusions-You need to check for the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make the claim.
Understand the Co-Payment Clause- It is advised to check the co-payment clause before you invest in the insurance.
Select Wide Cashless Network Hospital-Check for the network hospitals the insurance providers are offering. Ensure the number of reputated cashless hospitals they have on the list.
Bid for Higher Claim Settlement Ratio-The claim settle ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. Your Health Insurance promises the highest claim settlement ratio of 100%.
Why Choose the Online Procedure to Buy Manipal Cigna Mediclaim Policy?
Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. There are many reasons why you should opt for the online procedure-
Convenient Policy Selection-You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal.
Chat Options for Queries-The team of Manipal Cigna Health Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience.
Instant Premium Quote Calculations-You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members.
Secure Payment Modes-The policy portal of Manipal Cigna Health Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour.
Transparent Policy Evaluation-Manipal Cigna Health promises a transparent policy evaluation process. All the terms and conditions are ready for your reference.
Readily Available Value Added Services-You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.
Benefits of Purchasing at an Early Age
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
How to Renew Health Insurance Policy?
To avail of the continuity of the benefits, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
Step 1
Visit the official website and click on the renew section.
Step 2
Enter your policy number and date of birth.
Step 3
Choose the plan and sum assured, then click on calculate premiums and proceed.
Step 4
Choose the payment method and proceed.
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.
How to Claim?
These are the steps you need to know for filing your claim. Filing a health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.
Manipal Cigna Health Insurance offers 2 methods of claim settlement- Cashless in house Claim settlement, and Reimbursement claim settlement. Let us discuss each one by one.
Cashless In-House Claim Settlement
Manipal Cigna Health follows one of the best claim settlement processes. In this process, you can directly reach out to the company for your health insurance claim settlement. This is a cashless process, in which the payment is directly made to the network hospital.
Reimbursement Claim Settlement
In this claim settlement process, you can pay the amount after taking the healthcare services, and the insurance company will pay you later when you file for the claim settlement.
Check out the Steps you can follow for claim settlement.
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).
Claim Process
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
Documents required while filing the claim
While filing the claim you need to keep these documents handy. Read below to know more-
Duly filled claim form.
Original bills, receipts, and discharge papers from the medical institutions.
Bills and prescriptions from the chemists.
Receipts and investigation test reports from the pathologists, medical practitioners, and surgeons as per the service taken.
Nature of operation performed and surgeon's bill and receipts.
Self-declaration/MLC/FIR in case of accident.
Payment details, and the mode of payment you have opted in case of reimbursement.
How to Calculate the Premiums?
You can calculate your health insurance premiums online at Policyx. This Manipal Cigna Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.
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.
Manipal Cigna Health Top-Up Plans
Manipal Cigna offers unique features of Top-up plans. In case your insurance plan is exhausted, you can use this top-up to get covered. Currently, the company is offering two top-up plans, which are-
Manipal Cigna Super Top-up plus.
Manipal Cigna Super Top-up Select.
These plans have their own benefits and features, which you can avail of by paying regular premiums. You can calculate your premiums at Manipal Cigna Health Insurance Premium Calculator or you can contact Policyx experts to know more.
Manipalcigna Health Insurance Network Hospital List
Choose Policyx for all your ManipalCigna Health Insurance-related queries.
We are-
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.
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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.
End Note: Contact Details
Manipal Cigna Health is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about ManipalCigna Health Insurance Customer Care
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. 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.
3. 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.
4. 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.
5. 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 within three days before the hospitalization.
6. 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.
7. 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.
8. 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.
9. 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
10. 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.
11. 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.
12. What does ManipalCigna Hospitalization not cover?
Hospitalization due to HIV AIDS, drug abuse, suicide, disease due to radiation, and civil war.
13. Do ManipalCigna plans provide tax benefits?
Yes, you can avail tax benefits from ManipalCignal plans under section 80D of the Income Tax Act.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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