Why Choose ManipalCigna?
- Versatile and affordable health insurance plans for every need
- 24x7 customer support for easy claim settlement
- Over 15,000 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered Under ManipalCigna?
Pre and Post Hospitalization Expenses
ManipalCigna Health Insurance understands the impact of rising medical expenses; thus, their insurance products contain pre- and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
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.
Hospitalization Expenses
ManipalCigna health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require 24-hour hospitalization. With this in mind, a majority of ManipalCigna health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
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.
What Are The Different Waiting Periods In ManipalCigna Health Insurance Plans?
The various waiting periods associated with ManipalCigna Health plans are:
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.
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.
- Comes in three variants, with different sum insured options.
- It covers the cost of hospitalization, ambulance, injuries, and illness.
- All the waiting periods are as per the underlying base policy.
How to Buy ManipalCigna Health Insurance Plans?
If you are looking forward to purchasing ManipalCigna Health insurance online, follow these simple steps:
- Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Click on 'Get free quotes' and compare ManipalCigna Health Insurance Plans as per your needs.
- Select and pay premiums online for the ManipalCigna health insurance plan of your choice.
- 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.
Documents Required For ManipalCigna Health Policy Claim Settlement
Submit the following documents when filing for ManipalCigna health claims:
- 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
How To Calculate ManipalCigna Health Insurance Policy Premiums?
Compare and calculate the best care health policies with the PolicyX premium calculator with these simple steps:
- Visit the official website of 'PolicyX'.
- Fill in details such as name, number of family members to be covered, city, and other information.
- Click on 'Get Quotes'.
P.S. - Connect with PolicyX health insurance experts for ManipalCigna health insurance policy premiums enquiry at 1800-4200-269.
ManipalCigna Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your ManipalCigna Health Insurance Plans by following these easy steps:
- Visit the website of ManipalCigna Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to access the form.
- Now select "health claim" and provide the required information, which includes your policy number, date of birth, and other requested details.
- 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.
- 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.
- Upload the requested documents and click on the "review" button.
- 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.
How to Renew ManipalCigna Health Insurance?
Follow these steps for ManipalCigna Health Insurance policy renewal:
- Visit the official website of ManipalCigna Health Insurance Company.
- Click on the ‘Renew’ tab.
- Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for ManipalCigna health insurance policy renewal at 1800 - 4200 - 269.
How To Port To ManipalCigna Health Insurance?
To port your existing policy to ManipalCigna Health Insurance, follow the steps mentioned below:
- 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.
- 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.
- Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
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