ManipalCigna Health Insurance
  • Air ambulance cover
  • No cap on room limit
  • Cashless cover on pharmacy
ManipalCigna Health Insurance
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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.

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 2020-21, 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 2020-21. 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 2020-21, 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
Manipal Cigna Health Insurance Plan Detailed Review
Health Insurance Plans Banners

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

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

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 10L sum assured.

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

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

Group Plan

ManipalCigna Pro Health Group

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

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

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

  • 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

With so many buying options available in the market, one must think about why he/she needs to choose 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. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service:
    With, 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, 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 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.
  • 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.

1800-102-4462 (24*7)

Health Insurance Articles

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.

Manipalcigna Health Insurance Reviews

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

Customer Review Image

Poonam Sinha


December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

Customer Review Image

Santokh Singh Sethi


September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image



May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

Customer Review Image

jasvinder singh


March 25, 2022

very nice service by and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma


February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar


November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

Customer Review Image

Ravi Rajora


October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Customer Review Image

deepankar singh


October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

View All Manipalcigna Health Insurance Reviews