Manipal Cigna Health Insurance

Established in 2014, ManipalCigna Health Insurance Company (Formerly CignaTTK Health Insurance Company Limited) is a joint venture between the Manipal Group and Cigna Corporation (a global health services company).

Through a wide array of comprehensive healthcare plans the company offers a full package of health insurance plans that cover overall medical expenses and provides health coverage to individuals, families, and employer-employee groups.

Awards and Recognitions of ManipalCigna in the last few years

• Best Health Insurance Brand of 2021
• Red Hat APAC Innovation Awards 2020 for Digital Transformation
• Best Health Insurance Company in 2019
• Risk Management Programme of 2019
• Marketing Campaign of 2019

Why Should I Buy Manipal Cigna Health Insurance?

In today's time, the healthcare sector has been extremely affected by inflation, and it has become a necessity to have a good health insurance plan that caters to you and your family's healthcare needs without burdening your pockets.

However, with around 30 health insurance companies available in the market, it can get difficult and confusing for an individual to choose an ideal company.

Therefore, check out the list of parameters that will help you to learn more about Manipal Cigna Health.

1. Safeguards Your Long-Term Financial Goals

   The company offers a wide range of health plans that caters to the long-term finances from being drained out in case of medical emergencies and offers a secure future to its customers.

2. Offer Various Wellness Programs

   To keep a check on the customer's health, the company offers various wellness programs that allow the customers to stay healthy or return to health if they become physically or emotionally ill.

Take a look at the Key Features of ManipalCigna Health Insurance for a clearer picture of the Company:

Key Features Of ManipalCigna Health Insurance

**Last Updated on August, 2021

Let us discuss the above-mentioned factors in detail:

1. Network Hospitals

   With a cashless facility, you can save yourself from further stress at the time of a medical emergency. ManipalCigna has a tie- up with more than 6,500 network hospitals across India that help you to avail yourself of hassle-free cashless treatment without any financial burden.

   Comparison between Manipal Cigna and the other top insurance companies based on network hospitals

   

2. Market Share

   In the last few years, ManipalCigna Health Insurance Company has shown significant growth and that can be shown in the below-given graph.

   Market Share of Manipal Cigna from Financial Year 2016-20

   

   ** Data from IRDAI Annual Reports

   In the financial year of 2016-2017, the company's market share was 221.28 crores, whereas, in 2019-2020, the company's market share was 567.29 crores.

3. Claim Support

   It is advisable to check the claim support ratio of your Insurer. Manipal Cigna has a claim support (claim settled within 3 months) of 99.96.

4. Solvency Ratio

   A Solvency Ratio of the company plays a significant role in assessing the company's ability to meet its long-term financial obligations. As per the Insurance Regulatory and Development Authority of India (IRDAI), maintaining a healthy solvency ratio of 1.5 for every insurer is now mandatory. As per IRDAI Report 2019-2020, the solvency ratio of Manipal Cigna stands at 1.82.

   With the help of the below graph, We are representing the solvency ratio of Manipal Cigna for the years 2016-20.

   Solvency Ratio of Manipal Cigna from 2016-20

   

   ** Data from IRDAI Annual Reports

Types of Health Plans Offered at Manipal Cigna Health Insurance

To cater to the health needs of every individual, Manipal Cigna offers 15 health plans that are specially designed to fit your different needs and requirements. Here is a list of all the 15 plans offered by the company that will help you narrow down your selection.

**Last Updated on August, 2021

1. ManipalCigna ProHealth Insurance

   ManipalCigna ProHealth Insurance is designed to offer health coverage for expenses arising out of hospitalization. It offers multiple benefits to individuals and their families through its basic, value-added, and optional covers. With a coverage of Rs. 1 Crore, the plan ensures to look after your every healthcare need.

   Eligibility Criteria:

   Minimum Entry Age	Child - 91 days, Adult - 18 years
   Maximum Entry Age	No limit
   Sum Insured	Rs. 2.5 Lakhs-1 Crore
   Policy Tenure	1, 2 & 3 years

   **Last Updated on August, 2021

   Features:

   • The plan comes in 5 variants that are ProHealth Protect, ProHealth Accumulate, ProHealth Plus, ProHealth Preferred, and ProHealth Premier. These variants are designed to fulfill every need of the policyholder.
   • The plan provides basic coverage for hospitalization charges (including pre and post-admission charges), daycare treatment, treatment taken at home, ambulance expenses, donor expenses, and worldwide emergency cover for treatments undertaken abroad.
   • The plan provides health reward points that can be redeemed during policy renewal. Also, policyholders can undergo health checkups and take expert opinions on critical illnesses.

2. Manipal Cigna LifeTime Health

   Manipal Cigna LifeTime Health Insurance plan is comprehensive coverage that offers coverage to you and your family in India and abroad. The plan lets the policyholder customize the plan as per the changing life stages with optional packages such as Global+ (Global OPD & more), Women+ (specialized package for women), and Health+ (coverage enhancement).

   Eligibility Criteria:

   Minimum Entry Age	Child - 91 days, Adult - 18 years
   Maximum Entry Age	Child - 25 years (in a family floater policy), Adult - 65 years
   Sum Insured	Rs. 50 Lakhs to Rs. 3 Crore
   Policy Tenure	1, 2 & 3 years

   **Last Updated on August, 2021

   Features:

   • To let you avail the most from your health insurance plan, the plan offers2 variants and let them choose from LifeTime Health India Plan & LifeTime Global Plan.
   • The plan offers coverage to the insured for treatment of up to 27 listed major illnesses.
   • One can avail several discounts such as Long Term Discount if the policy is brought together of 2 or 3 years, family discount for covering 2 or more family members and Online Renewal Discount:

3. ManipalCigna ProHealth Select

   ManipalCigna ProHealth Select lets you customize your health plan from the two variants as per your needs and requirements. The plan also comes with the benefit of lifetime renewability.

   Eligibility Criteria:

   Minimum Entry Age	Children: 91 days Adults: 18 years
   Maximum Entry Age	No Limit
   Sum Insured	Rs.50 Thousand to Rs.25 Lakhs
   Policy Terms	1, 2, or 3 years

   **Last Updated on August, 2021

   Features:

   • Under reassurance benefit, if the policyholder is a victim of critical illness or permanent total disability, the policy can be extended up to 2 years without paying any additional premium.
   • The plan provides basic cover for hospitalization expenses, daycare treatment, and donor expenses. It also provides value-added options such as a cumulative bonus of 5% and healthy reward points that can be redeemed.
   • If the sum insured is not enough, that plan will restore 100% of the SI once in a policy year.

4. ManipalCigna Super Top-up

   ManipalCigna Super Top-up is a plan that provides additional coverage at an affordable premium amount. The plan comes with two variants that are: Super Top-up Plus and Super Top-up Select.

   Eligibility Criteria:

   Minimum Entry Age	Child - 91 days, Adult - 18 years
   Maximum Entry Age	Child: 23 years (family floater policy) Adult: No limit
   Sum Insured	Rs. 1 Lakhs to Rs. 30 Lakhs
   Policy Period	1, 2 and 3 years

   **Last Updated on August, 2021

   Features:

   • The plan covers expenses such as in-patient hospitalization, pre and post-admission charges, alternative treatment expenses, ambulance cover, donor expenses, etc.
   • The plan comes with a rider option of Critical Illness add-on rider that offers coverage against 11 Critical Illnesses
   • A family discount of 10% for covering 2 members of a family and a long-term discount of 7.5% for opting for a 2-year policy is provided.

5. ManipalCigna Arogya Sanjeevani Policy

   ManipalCigna Arogya Sanjeevani Policy secures you and your family's health and offers coverage against all the listed modern treatments & procedures.

   Eligibility Criteria:

   Minimum Entry Age	Child - 91 days, Adult - 18 years
   Maximum Entry Age	Child: 25 years (family floater policy) Adult: 65 years
   Policy Period	1 year
   Sum Insured	Up to Rs.5 Lakhs

   **Last Updated on August, 2021

   Features:

   • Under this policy, a policyholder will be eligible to get coverage against non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy (up to the limit of sum insured).
   • The plan offers an increase in the sum insured through a cumulative bonus option in case no claims are made during the policy year.
   • The plan also offers a discount of 15% when 2 or more family members are covered under a single individual policy.

6. ManipalCigna Lifestyle Protection- Accident Care

   ManipalCigna Lifestyle Protection policy is designed to offer financial support to the policyholder and his family by providing complete protection, on and off the job, including death, disability, loss of job and financial protection. The plan comes in three variants: Basic Cover, Enhanced Cover, and Comprehensive Cover

   Eligibility Criteria:

   Minimum Entry Age	For Adults: 18 years For Child: 5 years
   Maximum Entry Age	For Adults: 80 years, For Child: 25 years
   Policy Period	1/2/3 years
   Sum Insured	Rs.50,000 - Rs. 10 Crores

   **Last Updated on August, 2021

   Features:

   • The plan protects with a choice of optional covers in an unfortunate event of death or disability due to an accident. The optional covers available are: Temporary Total Disablement, Burns Benefit, Broken Bones Benefit, and Coma Benefit
   • The plan pays an amount equal to the Sum Insured towards the dependant child as an orphan benefit.
   • One can avail of a family discount of 10% if more than two members are covered under the same policy

7. ManipalCigna Saral Suraksha Bima

   Saral Suraksha Bima by ManipalCigna offers a sense of security against unexpected expenses arising from death or serious injury caused by an accident.

   Eligibility Criteria:

   Minimum Entry Age	For Adults: 18 years For Child: 3 months
   Maximum Entry Age	For Adults: 70 years For Child: 25 years
   Policy Period	1 year
   Sum Insured	Rs.2.5 Lakhs - Rs. 1Crore

   **Last Updated on August, 2021

   Features:

   • In order to offer you maximum coverage, the plan offers 3 optional covers to choose from. The optional covers available are Temporary Total Disablement, Hospitalisation Expenses due to Accident, and Education Grant.
   • For every claim-free year, the plan offers a cumulative bonus of 5% of the SI, a maximum of up to 50%.
   • One can avail of several discounts under this plan such as Family discount, Worksite discount, and Online Renewal discount

8. ManipalCigna ProHealth Cash

   The ManipalCigna ProHealth Cash plan provides a fixed amount of daily cash to cover medical expenses that are not included under the standard health insurance. The plan looks after the miscellaneous expenses other than hospitalization.

   Eligibility Criteria:

   Minimum Entry Age	18 years
   Maximum Entry Age	65 years
   Cash benefit range	Rs. 500 - Rs. 5000
   Policy Period	1, 2, or 3 years

   **Last Updated on August, 2021

   Features:

   • The plan offers two variants with the following benefits:
     

     Basic Plan:

     1. Sickness hospital cash benefit

     2. Accident hospital cash benefit (2 times the daily cash benefit)

     3. ICU cash benefit (3 times the daily cash benefit)

     4. Worldwide cover (3 times the daily cash benefit)

     Enhanced Plan:

     1. All benefits of Plan A

     2. Convalescence Benefit (5 times the daily cash benefit)

     3. Companion Benefit (50% of the daily cash benefit)

     4. Compassionate Benefit (10 times the daily cash benefit)

   • Apart from the cash benefits, the policy also provides Accidental death and permanent total disability benefits ranging from Rs. 50,000 to 25 Lacs.
   • If the medical history is clear, no medical tests are necessary for individuals up to 55 years of age.

9. ManipalCigna Lifestyle Protection- Critical Care

   ManipalCigna Lifestyle Protection policy - Critical Care is designed to offer financial support to the policyholder and his family if the insured is diagnosed with any of the listed critical illness. The plan offers the entire payment of the sum insured on the first diagnosis of the listed illness. The plan offers two variants that offer coverage to different illnesses.

   Critical Care - Basic Plan (Covers 15 Critical Illnesses)

   Critical Care - Enhanced Plan (Covers 30 Critical Illnesses)

   Cancer of Specified Severity Myocardial Infarction (First Heart Attack - of Specific Severity) Open Chest CABG Open Heart Replacement or Repair of Heart Valves Coma of Specified Severity Kidney Failure Requiring Regular Dialysis Stroke Resulting in Permanent Symptoms Major Organ / Bone Marrow Transplant Permanent Paralysis of Limbs Motor Neuron Disease with Permanent Symptoms Multiple Sclerosis with Persisting Symptoms Primary (Idiopathic) Pulmonary Hypertension Aorta Graft Surgery Deafness Loss of Sight

   All of Basic Plan Coronary Artery Disease Aplastic Anaemia End-Stage Lung Failure End-Stage Liver Failure Third Degree Burns Fulminant Hepatitis Alzheimer's Disease Bacterial Meningitis Benign Brain Tumor Apallic Syndrome Parkinson's Disease Medullary Cystic Disease Muscular Dystrophy Loss of Speech Systemic Lupus Erythematous

   **Last Updated on August, 2021

   Eligibility Criteria:

   Minimum Entry Age	18 years
   Maximum Entry Age	65 years
   Policy Period	1/2/3 years
   Sum Insured	Rs 1 Lakhs to Rs. 25 Crore

   **Last Updated on August, 2021

   Features:

   • The plan allows the policyholder to get protected up to 10 times of their gainful annual income.
   • With this plan, one can access online wellness programs

10. ManipalCigna ProHealth Group Insurance Policy

    ManipalCigna ProHealth Group Insurance Policy is designed to provide complete health coverage to corporates, groups, associations, and employees. It covers the expenses arising out of hospitalization and provides a range of options that can be customized based on the group's needs.

    Eligibility Criteria:

    Age Limit	No Age bar
    Minimum number of members	7
    Sum assured	Up to Rs.1 crore

    **Last Updated on August, 2021

    Features:

    • The plan offers a base cover that provides cover for all hospitalization expenses such as daycare expenses, pre, and post-admission expenses, road ambulance cover, domiciliary hospitalization, and donor expenses in case of organ transplants.
    • The policy provides cover on an individual and family floater basis.
    • Newborn babies are also covered from birth if any one of the parents is covered.

11. ManipalCigna Global Health Group Policy

    ManipalCigna Global Health Group Policy is designed for companies that are looking to cover their employees and their families against medical expenses and offer global care for overall treatment. The plan offers a choice of base and multiple optional covers.

    Eligibility Criteria:

    Age Limit	Adults: 18 years-95 years
    Minimum number of members	7
    Policy Period	1 year
    Sum assured	Up to $10 Million

    **Last Updated on August, 2021

    Features:

    • The plan offers wellness packages for living a healthy lifestyle.
    • You can grab multiple options like co-pay, deductible, etc. for cost-effective plans.
    • The other benefits of the plan include vision cover, newborn cover, cancer cover, etc.

12. ManipalCigna Group Overseas Travel Insurance Policy

    ManipalCigna Group Overseas Travel Insurance provides cover for medical expenses incurred while traveling abroad during a family/business trip. It is designed for groups, associations, corporates, etc.

    Eligibility Criteria:

    Age Limit	0 days-95 years
    Minimum number of members	7
    Policy Period	1 year

    **Last Updated on August, 2021

    Features:

    The plan provides the following benefits grouped under three structures:

    • The benefit I: Medical expenses arising out of hospitalization due to injury or illness, like in-patient expenses, ICU charges, surgeon fees, specialist fees, diagnostic tests, etc.
    • Benefit II: This option covers expenses arising out of travel inconvenience due to trip cancellation and interruption, like ticket booking cancellation due to bad weather, flight delays, VISA cancellation, etc.
    • Benefit III: The option provides cover against accidental death, permanent, partial, and temporary disability due to accident.

    Apart from the above covers, the policyholder also gets optional benefits such as cover for a life-threatening pre-existing disease, OPD expenses, emergency medical check-up, repatriation of mortal remains, dental treatment, daily allowance, maternity benefits, etc.

13. ManipalCigna FlexiCare Group Insurance

    ManipalCigna FlexiCare Group Insurance offers flexibility to the policyholders and allows them to design a standard base cover for adequate protection.

    Eligibility Criteria:

    Age Limit	No age Bar
    Minimum number of members	7
    Policy Period	1 year
    Sum Insured	Up to Rs.5 Crore

    **Last Updated on August, 2021

    Features:

    • The plan offers coverage against a wide range of ailments, perils, events, risks under different segments including accident, mediclaim, surgery, domestic travel, and wellness.
    • The plan also provides access to health and wellness programs that provide expert guidance on health-related matters.
    • The plan offers a choice of pay-out options like daily cash, indemnity, etc.

14. Corona Rakshak Policy, ManipalCigna

    Corona Rakshak Policy is designed to provide lump-sum benefit (equal to 100% of the SI) on a positive diagnosis of COVID-19 (at a government-authorized diagnostic center). The insured should be hospitalized for a minimum continuous period of 72 hours to avail of coverage.

    Eligibility Criteria:

    Age Limit	For Adults: 18 years-65 years
    Policy Period	3.5 months, 6.5 months, and 9.5 months
    Sum Insured	Rs.50,000-2,50,000

    **Last Updated on August, 2021

    Features:

    • The policy can be availed on an individual basis and its premium should be paid in advance for a full policy period.
    • The plan offers all India coverage.

15. Corona Kavach Policy, ManipalCigna

    Corona Kavach Policy is designed to cover COVID-19 related hospitalization/home care treatment expenses. The policy comes with a waiting period of 15 days.

    Eligibility Criteria:

    Age Limit	For Adults: 18 years-65 years
    Policy Period	3.5 months, 6.5 months, and 9.5 months
    Sum Insured	Rs.50,000 - 5,00,000

    **Last Updated on August, 2021

    Features:

    • The policy provides coverage against pre and post-hospitalization, road ambulance charges (Rs.2000/hospitalization), and AYUSH treatment with an option of hospital daily cash.
    • The policy offers a 5% discount on the premium to health care workers.

Watch Video For Detailed Review

How To Buy ManipalCigna Health Insurance?

Just follow the below steps and buy the most suitable ManipalCigna Health plan now:

• 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.

You can also buy your desired policy at PolicyX.com. Follow the below-mentioned steps and buy your policy through PolicyX.com:

• Navigate to the top of this page and fill in the details in the 'Calculate ManipalCigna Health Insurance Premium' form.
• The next page will show you all the quotes from different companies. Select your favourite ManipalCigna plan and click on 'Buy Now'.
• Pay the premium online and your policy document will be shared on your registered email address.

How Can I Renew My ManipalCigna Health Insurance Online?

Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:

• 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.

How To File A Claim For ManipalCigna Health Insurance?

Cashless Process

• 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 Process

• Intimate the insurer about the hospitalization. Get the treatment done and pay the expenses.
• During discharge, collect all the necessary documents such as original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills, and submit them to ManipalCigna with the duly filled claim form.
• ManipalCigna will assess the documents.
• If the claim is approved, the amount will be transferred to your registered bank account.

Contact Details of ManipalCigna Health Insurance

Address:

ManipalCigna Health Insurance Company Limited 401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai 400063.

Contact Number

1800-102-4462 (Valid only for calls made from India)

+91 22 4985 4100 (Valid for International Calls)

Email Address:

For queries: customercare@manipalcigna.com

For policy alterations: mychangerequest@manipalcigna.com