Network hospitals
8751+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
Network hospitals
8751+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
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.
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.
Manipal Cigna Health Insurance Plan Detailed Review
In only a few years in the market, Manipal Cigna health insurance has achieved a huge number of awards. Let us have a look at them-
Cashless Claim Settlement | Within 90 minutes |
Minimum Entry Age | 18 years |
Maximum Entry Age | No Limit |
Sum Insured | Upto 1 Crore |
Network Hospital | 8751+ |
Tax Benefits | Upto 1 Lakh |
Solvency Ratio (2021-22) | 1.7% |
Claim Settlement Ratio (2021-22) | 99.9% |
Ambulance Expenses | Covered |
Coverage for Accidents | Yes |
Comprehensive Plan
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.
Unique Features
Comprehensive Plan
Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.
Unique Features
Comprehensive Plan
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.
Unique Features
Comprehensive Plan
A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.
Unique Features
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Plan
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
Affordable Plan
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Plan
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
Affordable Plan
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
Accident Plan
A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.
Unique Features
Critical Illness Plan
A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
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
Group Plan
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
Group Plan
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Group Plan
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
Group Plan
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
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:
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.
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.
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.
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.
You can get group insurance for yourself and your family to secure them in case of any emergency in one premium.
In case your insurance policy does not cover some issues, then you have benefit riders that will cover a lot in sum insured.
Any pre-existing health conditions or medical illness will not be covered in the health insurance policy.
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.
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.
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:
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.
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-
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.
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.
Visit the official website and click on the renew section.
Enter your policy number and date of birth.
Choose the plan and sum assured, then click on calculate premiums and proceed.
Choose the payment method and proceed.
For buying ManipalCigna Health Insurance policy, one has two options. Either they can purchase directly from the website or can buy from PolicyX.com.
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.
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.
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.
If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.
Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).
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.
While filing the claim you need to keep these documents handy. Read below to know more-
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.
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.
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.
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 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-
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.
We are-
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)
One needs to provide the below-mentioned details at the time of intimation of Claim:
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:
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.
The following documents are required to make a reimbursement claim:
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.
Compare ManipalCigna Health Insurance policies with other top insurers in India.
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Read what our customers have to say about Manipalcigna health insurance company and Manipalcigna health mediclaim policy.
Nihal
Vadodara
1 days ago
I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied
Ashish
Vishakapatnam
1 days ago
I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan
Dil Walia
Kolkata
1 days ago
I started looking for a health insurance policy when I turned 18 years old. Then I got to know about PolicyX.com. They helped me choose the right policy as an individual. They suggested me with...
Akshay
Mysore
1 days ago
PolicyX introduced me to ManipalCigna Pro Health which suits my travel needs. Their Switch off benefit in the plan allows me to pause my coverage for 30 days. Thank you PolicyX
Priyanshi
Lukhnow
1 days ago
ManipalCigna Pro Health unlimited tele consultations have given me access to the best healthcare at home. Thanks to PolicyX for helping me compare and buy the best plan
Anshula Chaturvedi
Pune
1 days ago
I am very happy with the comprehensive ManipalCigna Pro Health PrimeProtect for my family. Thanks to PolicyX for helping me find the plan
Md Javed
Goa
March 15, 2024
I needed a comprehensive health plan to cover all my family members. PolicyX assisted to find the ManipalCigna Prime Advantage. I have never been so satisfied with a purchase like this before.
Chinmay
Delhi
March 14, 2024
Manipal Cigna Super Top-up plan is more than sufficient as an addition to my base plan as suggested by PolicyX insurance experts
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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