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

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

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

cashless pay

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

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

cashless pay

Manipal Cigna Health Insurance

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.

What does Manipal Cigna Health Insurance Do?

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.

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Some Interesting Facts about Manipal Health Insurance

  • The claim settlement ratio of Manipal Cigna Health Insurance is 99.9% as per the IRDAI guidelines.
  • Manipal Cigna believes in 'Health hai toh life hai'.
  • They are the part of Vasai Virar Mayirs Marathon as an associated partner.
  • Having a range of 8751+ network hospitals, the company is offering a high range of cashless treatments.

Some of the Awards and Achievements

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-

  • Leader in Customer Engagement Initiatives 2023.
  • Best CX Strategy of the Year 2023.
  • Best Health Insurance Company 2023.
  • Best Customer-Centric Company 2023

A Quick Outlook

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

Manipal Cigna Health Insurance Plans

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

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

Why Choose Manipal Cigna Health Insurance?

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:

  • 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.

Know What is Covered- Inclusions

Hospitalisation Cover

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.

Personal Accident Cover

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.

Critical Illness Cover

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.

Daily Hospital Cash

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.

Group Insurance

You can get group insurance for yourself and your family to secure them in case of any emergency in one premium.

Benefits Riders

In case your insurance policy does not cover some issues, then you have benefit riders that will cover a lot in sum insured.

What is not Covered?- Exclusion

Pre-existing health conditions

Any pre-existing health conditions or medical illness will not be covered in the health insurance policy.

Cosmetic Measures or Plastic Surgery

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.

Self-Inflicted Injuries

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.

Waiting Period in Manipal Cigna Health Insurance

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:

  • Initial Waiting PeriodThe time period in the initial waiting period starts immediately after you get the policy. Most of the time it is 30 days from the date you get the policy.
  • Waiting Period for Pre-Existing Diseases (PED)For pre-existing diseases such as diabetes and hypertension, a longer waiting period of 2 to 4 years is initiated. During this time, you cannot claim your hospitalization or treatment expenditure.
  • Waiting Period for Maternity CoverThe waiting period for maternity cover is between 9 to 12 months from the date you bought the policy.

Factors to Consider While Buying Manipal Cigna Health Insurance

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.

  • Verify Eligibility-Health Policies come up with the different entry age restrictions. In Manipal Cigna Health, the entry age is 91 days on a floater basis.
  • Ensure the Maximum Coverage-Check out the coverage your health insurance is providing. Like Manipal Cigna Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.
  • Look for Affordable Premiums-Keep a note of the premiums that you need to pay. Manipal Cigna Health provides a digital portal where you can calculate the premiums.
  • Check for the Exclusions-You need to check for the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make the claim.
  • Understand the Co-Payment Clause- It is advised to check the co-payment clause before you invest in the insurance.
  • Select Wide Cashless Network Hospital-Check for the network hospitals the insurance providers are offering. Ensure the number of reputated cashless hospitals they have on the list.
  • Bid for Higher Claim Settlement Ratio-The claim settle ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. Your Health Insurance promises the highest claim settlement ratio of 100%.

Why Choose the Online Procedure to Buy Manipal Cigna Mediclaim Policy?

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-

  • Convenient Policy Selection-You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal.
  • Chat Options for Queries-The team of Manipal Cigna Health Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience.
  • Instant Premium Quote Calculations-You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members.
  • Secure Payment Modes-The policy portal of Manipal Cigna Health Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour.
  • Transparent Policy Evaluation-Manipal Cigna Health promises a transparent policy evaluation process. All the terms and conditions are ready for your reference.
  • Readily Available Value Added Services-You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.

Benefits of Purchasing at an Early Age

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.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Renew Health Insurance Policy?

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.

  • Step 1

    Visit the official website and click on the renew section.

  • Step 2

    Enter your policy number and date of birth.

  • Step 3

    Choose the plan and sum assured, then click on calculate premiums and proceed.

  • Step 4

    Choose the payment method and proceed.

Manipalcigna Health Insurance Banner

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.

How to Claim?

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.

  1. Cashless In-House Claim Settlement

    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.

  2. Reimbursement Claim Settlement

    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.

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).

Claim Process

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.

Documents required while filing the claim

While filing the claim you need to keep these documents handy. Read below to know more-

  • Duly filled claim form.
  • Original bills, receipts, and discharge papers from the medical institutions.
  • Bills and prescriptions from the chemists.
  • Receipts and investigation test reports from the pathologists, medical practitioners, and surgeons as per the service taken.
  • Nature of operation performed and surgeon's bill and receipts.
  • Self-declaration/MLC/FIR in case of accident.
  • Payment details, and the mode of payment you have opted in case of reimbursement.

How to Calculate the Premiums?

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.

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.

Manipal Cigna Health Top-Up Plans

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-

  • Manipal Cigna Super Top-up plus.
  • Manipal Cigna Super Top-up Select.
  • 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.

    Manipalcigna Health Insurance Network Hospital List

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    End Note: Contact Details

    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)

    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. 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.

    3. 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.

    4. 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.

    5. 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 within three days before the hospitalization.

    6. 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.

    7. 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.

    8. 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.

    9. 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

    10. 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.

    11. 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.

    12. What does ManipalCigna Hospitalization not cover?

    Hospitalization due to HIV AIDS, drug abuse, suicide, disease due to radiation, and civil war.

    13. 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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    If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

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    I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

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    May 10, 2024

    For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

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    April 8, 2024

    I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.

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    ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...

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    Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.

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    Simran Saxena

    Written By: Simran Saxena

    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.