ManipalCigna Health Insurance
ManipalCigna offers various quality-driven products related to family health insurance, critical illness coverage, personal accident, super top-ups, a...Read More
Network hospitals
8500+
Incurred claim ratio
99.96%
Sum insured
Up to 3 Cr
No. of Plans
13
Solvency Ratio
1.5
Pan India Presence
77+
ManipalCigna 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 are some of the
Features
that set them apart?
-
1
Special health plans for autism and diabetes
-
2
A comprehensive wellness system to promote a healthy lifestyle
-
3
Emergency air ambulance services
-
4
International travel for treatments
-
5
Unlimited teleconsultations
ManipalCigna health insurance awards and accolades.
- Best Innovation for Products 2024.
- Best Digital Customer Experience Award.
- Customer Experience Team of the Year.
- Health Insurance Company of the Year.
- Leader in Customer Engagement Initiatives 2023.
ManipalCigna Health Insurance Detailed Review
Best Selling ManipalCigna Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
ManipalCigna Health Insurance Plans Eligibility Approximate Annual Premiums ManipalCigna ProHealth Protect Plan Entry Age - 18 years to No Limit
Sum Insured - Up to 50 LRs. NA
ManipalCigna ProHealth Plus Entry Age - 18 years to No Limit
Sum Insured - Up to 50 LRs. NA
-
Senior Citizen Health Insurance
ManipalCigna Health Insurance Plans Eligibility Approximate Annual Premiums ManipalCigna Prime Senior Plan Entry Age - 56 to 75 years
Sum Insured - Up to 50 LRs. NA
-
Group Health Insurance
ManipalCigna Health Insurance Plans Eligibility Approximate Annual Premiums ManipalCigna Pro Health Group Plan Entry Age - Day 1 to 80 years
Sum Insured - Up to 1 CrRs. NA
Key Features Of ManipalCigna Health Insurance
Let us take a look at some unique features of top-selling ManipalCigna Health Insurance policies:
For Individual and Family Health Insurance
ManipalCigna ProHealth Protect Plan
Comprehensive health insurance comes with individual and family floater covers that offer advanced healthcare coverage benefits to young individuals and couples.
Why Do We Recommend This?
- Newborn Baby and Maternity Cover
- Domiciliary Treatment
- Avail Health Maintainance Benefit
For Senior Citizen Health Insurance
ManipalCigna Prime Senior Plan
The comprehensive health insurance plan of ManipalCigna Prime Senior policy is specially designed for senior citizens and covers their basic to advanced healthcare requirements.
Why Do We Recommend This?
- Avail modern treatment
- Health check-up cover
- Advanced treatment cover without any sub-limits
For Group Health Insurance
ManipalCigna Pro Health Group Plan
This plan is best for the employees, organisation, or any association group. Buy this plan, if you are opting for group health insurance and enjoy the benefits like high sum insured, built-in benefits, etc.
Why do we recommend this?
- Get sum insured up to 1 Crore.
- 7 in-built benefits with the base cover.
- Choice of critical illness and personal accident
Explore other ManipalCigna Health Insurance
To cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to ManipalCigna Health Insurance plans explore more:
Individual and Family Health Insurance
ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...
Unique Features
- Avail Add-On Covers
- Optional Benefits Available
- High SI Options
ManipalCigna ProHealth Protect Plan (Pros)
- Newborn Baby and Maternity Cover
- Health Maintainance Benefit
- AYUSH Cover
ManipalCigna ProHealth Protect Plan (Cons)
- Compassionate travel
- Vaccination expenses
- E-consultation
ManipalCigna ProHealth Protect Plan (Other Benefits)
- Daycare treatment
- Domiciliary treatment
- OPD cover
ManipalCigna ProHealth Protect Plan (Eligibility Criteria)
- Entry age: 18 years to No limit
- SI: 2.5 L to 50 L
- Initial waiting period: 30 days
- Policy term: 1/2/3 years
Individual and Family Health Insurance
The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...
Unique Features
- Suitable for New Couples
- Family Planning Coverage
- Maternity & Newborn Cover
ManipalCigna ProHealth Plus (Pros)
- Maternity & new-born benefits
- Modern treatment
- 500+ daycare procedures
- Listed critical illnesses
ManipalCigna ProHealth Plus (Cons)
- IVF not covered
- E-consultation
- Compassionate travel
ManipalCigna ProHealth Plus (Other Benefits)
- Organ donor expenses
- Worldwide coverage
- In-patient hospitalization
- Out-patient hospitalization
ManipalCigna ProHealth Plus (Eligibility Criteria)
- Entry age: 18 years to No max limit
- SI: 4.5 L to 50 L
- Initial waiting period: 30 days
- Policy term: 1/2/3 years
Senior Citizen Health Insurance
We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...
Unique Features
- Modern treatment cover
- Low waiting periods
- Room category flexibility
ManipalCigna Prime Senior Plan (Pros)
- Daily cash for shared accommodation
- Air ambulance
- Domestic second opinion
- Unlimited 100% SI restoration
ManipalCigna Prime Senior Plan (Cons)
- OPD cover
- Maternity and newborn cover
- Compassionate travel
ManipalCigna Prime Senior Plan (Other Benefits)
- Any room upgradation
- Unlimited SI restoration
- PEDs waiting period reduction
- Domestic second opinion (Elite)
ManipalCigna Prime Senior Plan (Eligibility Criteria)
- Entry age: 56 to 75 years
- SI: 3 to 50 Lakhs
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual and Family Health Insurance
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...
Unique Features
- 360 Degree Family Coverage
- Additional Wellness Programs
- OPD Charges Covered
ProHealth Prime Advantage (Pros)
- Bariatric surgery
- Maternity coverage
- Newborn baby cover
- Daily cash benefits
ProHealth Prime Advantage (Cons)
- Compassionate travel
- Copayment unavailable
- Sub-limits not applicable
ProHealth Prime Advantage (Other Benefits)
- Air ambulance cover
- OPD available
- Domiciliary hospitalization
ProHealth Prime Advantage (Eligibility Criteria)
- Entry age: 18 years to no max limit
- SI: 5 L to 1 Cr
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual and Family Health Insurance
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...
Unique Features
- Customizable health benefits
- High-value covers
- Health reward discounts
ManipalCigna Prime Protect Plan (Pros)
- In-patient hospitalisation
- Daycare treatment
- Domiciliary hospitalisation
- Sum insured restoration
- Organ donor cover
ManipalCigna Prime Protect Plan (Cons)
- Adventure sport injuries
- Cosmetic treatment
- Alcoholism/drug abuse
- Self-inflicted injury
ManipalCigna Prime Protect Plan (Other Benefits)
- Optional covers
- Add-ons available
- Unlimited benefits up to SI
- Bariatric surgery cover
- AYUSH treatment cover
ManipalCigna Prime Protect Plan (Eligibility Criteria)
- Child Entry age - 91 days - 25 Years
- Adult Entry Age- 18 Years- No Limit
- SI - INR 3 Lakhs - 1 Crore
- Waiting Period - 30 days
Individual and Family Health Insurance
ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi. But have you ever imagined why Indians don't prio...
Unique Features
- Worldwide emergency cover
- Premium waiver benefit
- Covers 36 listed critical illnesses
ProHealth Prime Active Plan (Pros)
- Global cover
- Modern treatment
- Second medical opinion
ProHealth Prime Active Plan (Cons)
- OPD cover
- Maternity benefits
- Newborn baby cover
ProHealth Prime Active Plan (Other Benefits)
- In-patient hospitalization
- Daycare procedures
- Organ donor cover
ProHealth Prime Active Plan (Eligibility Criteria)
- Entry age: 18 to 70 years
- SI: 3 to 15 Lakhs
- Waiting period: 30 days
- Policy term: 1/2/3 years
Individual and Family Health Insurance
ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...
Unique Features
- Know About the Plan & its Variants
- Explore the Features & Eligibility
- Inclusions and Exclusions
ManipalCigna ProHealth Plan (Pros)
- Pre-hospitalisation
- Post-hospitalisation
- Unlimited teleconsultation
- Daily hospitalcash
- SI restoration benefit
ManipalCigna ProHealth Plan (Cons)
- Obesity weight control
- Change of gender treatments
- Breach of law
ManipalCigna ProHealth Plan (Other Benefits)
- Cashless claim settlement
- AYUSH treatment
- Trusted insurance provider
ManipalCigna ProHealth Plan (Eligibility Criteria)
- Min entry age: 91 days
- Max entry age: Unlimited
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Individual and Family Health Insurance
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...
Unique Features
- Boost Your Health Coverage
- Eligibility Criteria and Features
- Inclusions & Exclusions
ManipalCigna Super Top-up Plan (Pros)
- AYUSH treatment
- Modern treatment cover
- Organ donor expenses
ManipalCigna Super Top-up Plan (Cons)
- Maternity cover
- Global cover
- No OPD cover
- Domiciliary care unavailable
ManipalCigna Super Top-up Plan (Other Benefits)
- In-patient hospitalization
- Pre & post-hospitalization
- Daycare procedures cover
ManipalCigna Super Top-up Plan (Eligibility Criteria)
- Entry age: 18 years to no age bar
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
- SI: 3 to 30 Lakhs
Individual and Family Health Insurance
Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...
Unique Features
- Know About the Plan & its Variants
- Explore the Features & Eligibility
- Inclusions and Exclusions
ManipalCigna Lifetime Health Plan (Pros)
- Covers the treatment cost of HIV/AIDS and STD
- Covers mental illness
- You can opt for global coverage
ManipalCigna Lifetime Health Plan (Cons)
- Vaccination not covered
- IVF treatment not covered
- Air ambulance not covered
ManipalCigna Lifetime Health Plan (Other Benefits)
- You can opt for deductibles
- Air ambulance covered
- Domestic and international coverage
ManipalCigna Lifetime Health Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 3 Crore
Individual and Family Health Insurance
ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...
Unique Features
- Comprehensive coverage
- High sum insured
- Customized benefits
ManipalCigna ProHealth Prime Plan (Pros)
- Annual health check up
- Domestic second opinion
- Switch off benefit
- Premium waiver benefits
- OPD expense covered
ManipalCigna ProHealth Prime Plan (Cons)
- Optional deductibles
- 10% co-payment
- PED 2-year waiting period
- Long waiting period
ManipalCigna ProHealth Prime Plan (Other Benefits)
- Domiciliary hospitalisation
- Air ambulance cover
- Cumulative bonus booster
- CI add on cover
- SI restoration
ManipalCigna ProHealth Prime Plan (Eligibility Criteria)
- Min entry age: 91 days
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Group Health Insurance
ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...
Unique Features
- Avail Critical Illness Cover
- High Sum Assured
- Optional Covers
ManipalCigna Pro Health Group Plan (Pros)
- Avail Critical Illness Cover
- High Sum Assured
- Optional Covers Available
ManipalCigna Pro Health Group Plan (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
ManipalCigna Pro Health Group Plan (Other Benefits)
- Donor expenses cover
- AYUSH treatment cover
- Daily Cash Benefits
- Critical illness cover
- Personal accident cover
ManipalCigna Pro Health Group Plan (Eligibility Criteria)
- Min entry age: Day 1
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Individual and Family Health Insurance
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...
Unique Features
- CI Cover
- Eligibility & Features
- 30 CI Cover
Critical Care Plan (Pros)
- 15 or 30 major illnesses
- Medical second opinion
- Online wellness program
Critical Care Plan (Cons)
- No daily cash benefit
- In-patient hospitalization
- OPD unavailable
- Daycare procedures
Critical Care Plan (Other Benefits)
- Basic & advanced add-on cover benefits
- Organ donor expenses
Critical Care Plan (Eligibility Criteria)
- Entry age: 18 to 65 years
- SI: 1 L to 25 Cr
- Policy term: 1/2/3 years
- Waiting period: 90 days
Individual and Family Health Insurance
'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new SARVAH plan talks about. With this plan, ManipalCig...
Unique Features
- Comprehensive coverage
- High sum insured
- Customized benefits
ManipalCigna Sarvah Plan (Pros)
- Coverage for major illness
- Reduced waiting period for pre-existing diseases
- Unlimited restoration
- Surplus benefits
ManipalCigna Sarvah Plan (Cons)
- Maternity benefit not covered
- No global coverage
- Daily hospital cash not covered
ManipalCigna Sarvah Plan (Other Benefits)
- Tatkal benefit
- Comprehensive personal accident cover
- Gullak and Sarathi benefits
ManipalCigna Sarvah Plan (Eligibility Criteria)
- Entry Age -91 days
- Maximum Entry Age - No Limit
- SI - Up to 3 Crore
- Waiting Period - 30 days
Recommended Videos
Manipal Cigna Health Insurance Plan Detailed Review
Why Choose ManipalCigna?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 8500 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered?
Pre and Post Hospitalization Expenses
ManipalCigna Health Insurance understands the impact of rising medical expenses, thus their insurance products contain pre & 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 include 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 a 24-hour hospitalization. With this in mind, a majority of the 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 is not Covered?
Self Inflicted Injuries
ManipalCigna health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
ManipalCigna Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
ManipalCigna Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
ManipalCigna Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
ManipalCigna health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
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 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 provides add-on covers too.
Health 360
This rider gives enhanced coverage by adding the sum insured to your base policy. Also, it 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 hospitalisation, ambulance, injuries and illness.
- All the waiting periods are as per the underlying base policy.
ManipalCigna Health Insurance Network Hospital List
ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
ManipalCigna Health Insurance Plans Buying Process
If you are looking forward to purchasing ManipalCigna Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare ManipalCigna Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased ManipalCigna health insurance plan of your choice.
- Step 4
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.
ManipalCigna Health Insurance Renewal Process
Follow the steps for ManipalCigna Health Insurance policy renewal
- Step 1
Visit the official website of ManipalCigna Health Insurance Company
- Step 2
Click on the ‘Renew’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for ManipalCigna health insurance policy renewal 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:
- Step 1
Visit the website of ManipalCigna Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified 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.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
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.
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 Port To ManipalCigna Health Insurance?
To port your existing policy to ManipalCigna Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to ManipalCigna Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
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.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
Other Health Insurance Companies
Compare mediclaim policies with other top insurers in India.
Know More About Health Insurance Companies
Health Insurance Articles
Star Arogya Digi Seva Nov, 2024
Health Insurance with no waiting period Nov, 2024
Top Maternity Insurance Plans Nov, 2024
Types of Health Plans Oct, 2024
Top Health Insurance Company Oct, 2024
Filing Reimbursement Mediclaim Sep, 2024
See More Health Insurance Articles
Married Couple Health Insurance Sep, 2024
Group Health Plan Eligibility Sep, 2024
Star Arogya Digi Seva Nov, 2024
Apply for Ayushman Bharat Sep, 2024
Dental Insurance Aug, 2024
Star Health Policy & Claim Status Sep, 2024
See More Health Insurance Articles
Share your Valuable Feedback
4.4
Rated by 2634 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
You May Also Know About
Do you have any thoughts you’d like to share?