ManipalCigna Health Insurance

  • Air ambulance cover
  • No cap on room limit
  • Cashless cover on pharmacy
ManipalCigna Health Insurance
premium

Network hospitals

8500+

premium

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8500+

premium

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

About Manipal Cigna Health Insurance

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.
Manipalcigna Health Insurance Key Features

ManipalCigna Health Insurance Plans

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

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

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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

  • 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.

Unique Features

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable Plan

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.

Unique Features

  • 2 Plan Variants Available
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit

ManipalCigna ProHealth Cash (Pros)

  • Daily Cash Benefits
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Individual and Family Floater
  • 1/2/3 Policy Years

ManipalCigna ProHealth Cash (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna ProHealth Cash (Other Benefits)

  • Up to 10% long-term discount
  • 10% Family Discount
  • Critical Illness Add-On
  • Online Wellness Program
  • 15 Day free-Look Period

ManipalCigna ProHealth Cash (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 500 to 5000 Per day
  • Waiting Period - 30 Days

ManipalCigna Health Insurance Specialized Plans

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable standard health insurance plan for individuals and family members with up to 10 L SI.

Unique Features

  • Affordable Health Coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Arogya Sanjeevani Policy (Pros)

  • Allopathic & AYUSH Cover
  • Cashless Hospitalization
  • Tax Benefits
  • Multiple Discounts
  • Up to 50% Cumulative Bonus

Arogya Sanjeevani Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Pre & Post Hospitalization
  • Road Ambulance Cover
  • 15-Day Free-Look Period
  • Up to 10 L SI
  • 30-Day Grace Period

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 50k to 10 Lakhs
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

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

  • SI up to 10 Crores
  • Tax Benefits
  • Pre & Post Hospitalization Cover

Lifestyle Protection Accident Care (Pros)

  • Funeral Expenses Covered
  • Accidental Death Covered
  • Emergency Ambulance Covered
  • 3 Plan Variants
  • Orphan Benefit Covered

Lifestyle Protection Accident Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Accident Care (Other Benefits)

  • Education Fund Cover
  • Burn Benefit Cover
  • Permanent Disablement Cover
  • Partial Disablement Cover
  • Loss of Employment Cover

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 80 Years
  • SI - 50k to 10 Crores
  • Waiting Period - 30 Days

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

  • Up to 30 CI Covered
  • Avail Online Wellness Program
  • 2 Plan Variants Available

Lifestyle Protection Critical Care (Pros)

  • High Sum Insured
  • Medical Second Opinion
  • Premium Installments Available
  • Avail Multiple Discounts
  • Tax Benefits

Lifestyle Protection Critical Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Critical Care (Other Benefits)

  • Lump Sum Or Staggered Payouts
  • Global Plan
  • Cancer Cover
  • Bone Marrow Transplant
  • Deafness Cover

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 Crore
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Saral Suraksha Bima (Pros)

  • Up to 50% Cumulative Bonus
  • Add-On Cover
  • Individual & Family Cover
  • Flexible-Premium Payment
  • Up to 1 Crore SI

Saral Suraksha Bima (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Saral Suraksha Bima (Other Benefits)

  • Hospitalization Expense Cover
  • Education Grant
  • 3% Online Renewal Discount
  • 15% Family Discount
  • 10% Worksite Discount

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Crore
  • Waiting Period - 30 Days

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

  • 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

Benefits of ManipalCigna Health Insurance

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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Manipalcigna Health Insurance Reviews

Read what our customers have to say about Manipalcigna health insurance company and Manipalcigna health mediclaim policy.

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Rohan Verma

Gandhinagar

October 4, 2023

Policyx.com s team was patient and helped me understand all the details of my ManipalCigna Health Insurance policy.

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Riya Joshi

Surat

October 4, 2023

ManipalCigna Health Insurance through Policyx.com has given me the peace of mind I needed. Highly satisfied with the service.

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Reena Sahu

Hyderabad

October 4, 2023

Policyx.com s platform is user-friendly and helped me find the right ManipalCigna Health Insurance plan quickly.

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Ravi Goyal

Agra

October 4, 2023

I ve been a loyal customer of ManipalCigna Health Insurance for years, thanks to Policyx.com for introducing me to it.

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Rani Khanna

Hyderabad

October 4, 2023

Policyx.com provided excellent assistance in choosing ManipalCigna Health Insurance. I feel more secure now.

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Rakesh Singh

Coimbatore

October 4, 2023

I can t thank Policyx.com enough for simplifying the process of purchasing ManipalCigna Health Insurance. It s a great investment in my health.

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Rajan Mehta

Coimbatore

October 4, 2023

Policyx.com offers a wide range of health insurance options, and I found the perfect one with ManipalCigna Health Insurance.

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Rahul Kapoor

Chandigarh

October 4, 2023

ManipalCigna Health Insurance covers all my medical expenses, and Policyx.com helped me find it at an affordable price.

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