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Manipal Cigna Health Insurance | DETAILED Review | Plans, Benefits & Claim Process
ManipalCigna Health Insurance
ManipalCigna Health Insurance
As one of the few standalone health insurance providers, ManipalCigna Health Insurance has established itself as a ...Read More
15,000+
Cashless hospitals
98%
Claim settlement
1 Cr
Max sum insured
12
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 1.76x solvency ratio
✅ 98% claim settlement
What you get with ManipalCigna Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
15,000+ cashless hospitals
Direct billing at network hospitals across 77 presence — no out-of-pocket payment at admission.
98% 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.
12 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
2+ optional riders
Extend a base policy with add-on covers — critical illness, OPD, maternity and more.
About ManipalCigna Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
ManipalCigna Health Insurance
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. Their mission is to improve the health, well-being, and peace of mind of their customers. Formed in 2014, ManipalCigna Health Insurance Company has since offered a wide range of health insurance plans with attractive features.
Key Highlights:
- 15000+ Network Hospitals
- 2,07,262+ Claims Services Internationally
- 98% Claims Settled in 2 hours
- Sum Insured up to 3 Cr
- 24X7 Customer Support
What are some of the Features that set them apart?
- Special health plans for autism and diabetes
- 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
Choose ManipalCigna Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Manipal Cigna Health Insurance Plan Detailed Review
All 12 ManipalCigna Health Insurance plans
Every plan currently being sold by ManipalCigna Health Insurance, shown side-by-side so you can shortlist quickly.
ManipalCigna Sarvah Plan
'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new Sarvah plan talks about. With this plan,…
- Coverage for major illness
- Reduced waiting period for pre-existing diseases
- Unlimited restoration
- Surplus benefits
Critical Care Plan
ManipalCigna Health Insurance Company offers its Critical Illness policy, which is a global plan that assures financial support during crit…
- 15 or 30 major illnesses
- Medical second opinion
- Online wellness program
ManipalCigna Lifetime Health Plan
ManipalCigna Lifetime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs. It offers a multitude of…
- Covers treatment costs for HIV/AIDS and STDs
- Covers mental illness
- Offers global coverage
ManipalCigna Super Top-up Plan
ManipalCigna Health Insurance offers additional coverage with its Super Top-up plan, complementing your existing health insurance policy. T…
- AYUSH treatment
- Modern treatment cover
- Organ donor expenses
ManipalCigna Lifestyle Protection Accident Care Plan
The ManipalCigna Lifestyle Protection Accident Care plan comes in three variants which ascend in coverage options (which you'll read about …
- Accidental death covered
- Permanent total disability
- Education fund
- Emergency ambulance cover
ManipalCigna Arogya Sanjeevani Plan
Protect your family with the ManipalCigna Arogya Sanjeevani Policy! The ManipalCigna Arogya Sanjeevani Policy is a standard health insuranc…
- <ul> <li>Room rent covered</li> <li>ICU charges covered</li> <li>Pre-hospitalisation expenses covered</li> <li>Daycare treatment covered</li> </ul>
ManipalCigna ProHealth Cash Plan
ManipalCigna ProHealth Cash Policy: Your financial safety net, anytime, anywhere. The ManipalCigna ProHealth Cash plan offers financial sup…
- Available in 2 variants
- Sickness Hospital Cash Benefit
- ICU Cash Benefit
- Worldwide Cover
ManipalCigna Super Top-up Plus Plan
"It's Super Easy, Super Affordable." ManipalCigna Super Top-up Plus Plan is an additional protection that you can buy to expand your base h…
- Pre-hospitalization cover
- Post-hospitalization cover
- Modern treatment cover
- AYUSH hospitalization
ManipalCigna Prime Protect Plan
"Your Health Deserves Better!" Get safeguarded with a health plan that provides all-around healthcare facilitation. ManipalCigna Prime Prot…
- In-patient hospitalisation
- Daycare treatment
- Domiciliary hospitalisation
- Sum insured restoration
ManipalCigna Prime Senior Elite Plan
A gift of better healthcare for the golden years of life!The ManipalCigna Prime Senior Elite plan is specially designed for the senior citi…
- In-patient hospitalisation
- Daycare treatment
- Domiciliary hospitalisation
- Sum insured restoration
ManipalCigna ProHealth Prime Advantage
Buying health insurance that provides 360-degree coverage against medical emergencies for you and your family is essential today. ManipalCi…
- Bariatric surgery
- Maternity coverage
- Newborn baby cover
- Daily cash benefits
ManipalCigna Prime Senior Plan
Senior citizens are often susceptible to various health conditions that require comprehensive medical care. Providing them with health insu…
- Daily cash for shared accommodation
- Air ambulance
- Domestic second opinion
- Unlimited 100% SI restoration
Quick comparison
Side-by-side across the 3 most-bought ManipalCigna Health Insurance plans on PolicyX.
| Feature | ManipalCigna Sarvah Plan | Critical Care Plan | ManipalCigna Lifetime Health Plan |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 5 Lacs, 7.5 Lacs, 10 Lacs, 15 L… | 1 L, 5 L, 10 L, 25 L, 50 L, 1 C… | 50 L, 75 L, 100 L, 150 L, 200 L… |
| Entry age | 91 days to no maximum age limit | 18 to 65 years | 91 days, to 65 years |
| Top benefits | Coverage for major illness · Reduced waiting period for pre-existing diseases | 15 or 30 major illnesses · Medical second opinion | Covers treatment costs for HIV/AIDS and STDs · Covers mental illness |
What's covered — and what's not
The standard inclusions and exclusions across ManipalCigna Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- ManipalCigna Health Insurance understands the impact of rising medical expenses, thus their insurance products contain pre & post-hospitalization expenses related to in-patient hospitalization.
- Most ManipalCigna Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatment includes Ayurveda, Unani, Siddha, and Homeopathy treatments.
- ManipalCigna health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the ManipalCigna health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. ManipalCigna health insurance plans cover domiciliary hospitalization up to specified sub-limits.
Riders Of ManipalCigna Health Insurance
Add-on covers that extend your base ManipalCigna Health Insurance policy.
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. Get a sum insured of Rs 1 Lakh at the base premium of Rs 1761.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In ManipalCigna Health Insurance Plans?
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 you to serve specific waiting periods in case you 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.
15,000+ cashless hospitals
Find a ManipalCigna Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing ManipalCigna Health insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare ManipalCigna Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the ManipalCigna health insurance plan of your choice.
- Step 4
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.
You can file for cashless as well as reimbursement claims for your ManipalCigna Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of ManipalCigna Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to access the form.
- Step 2
Now select "health claim" and provide the required information, which includes your policy number, date of birth, and other requested details.
- Step 3
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.
- Step 4
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.
- Step 5
Upload the requested documents and click on the "review" button.
- Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for ManipalCigna Health Insurance policy renewal:
- Step 1
Visit the official website of ManipalCigna Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for ManipalCigna health insurance policy renewal at 1800 - 4200 - 269.
To port your existing policy to ManipalCigna Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form and send the application to ManipalCigna Health Insurance Company 45 days before the renewal date of your existing health plan.
- Step 2
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.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best care health policies with the PolicyX premium calculator with these simple steps:
- Step 1
Visit the official website of 'PolicyX'.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information.
- Step 3
Click on 'Get Quotes'.
P.S - Connect with PolicyX health insurance experts for ManipalCigna health insurance policy premiums enquiry at 1800-4200-269.
Frequently asked questions
The 16 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 15-30 days in which you can pay the premium amount to continue availing the benefits.
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.
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.
Hospitalization due to HIV AIDS, drug abuse, suicide, disease due to radiation, and civil war.
Yes, you can avail tax benefits from ManipalCignal plans under section 80D of the Income Tax Act.
ManipalCigna Health Insurance for family comes with the following waiting periods: Initial Waiting Period – 30 days. Specific Ailments Waiting Period – 24 months. Pre-existing Diseases Waiting Period – 24/36/48 months.
No. Only ManipalCigna LifeTime Health Insurance plan comes with a Global plan that allows you to avail medical coverage outside India.
Yes, ManipalCigna health insurance is one of the best options if you are looking for affordable health insurance.
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.
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Customer satisfaction
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