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Updated on Apr 08, 2025 4 min read

ManipalCigna Claim Settlement Ratio

Health Insurance these days has become a necessity. But have you ever thought that the entire point of buying health insurance will be useless if your health insurance company is not settling your claims on time and is not able to provide financial stability at the time of an unannounced medical emergency?

Thus, before buying a health insurance plan from ManipalCigna, you need to check the ManipalCigna claim settlement ratio and make it one of the key factors while evaluating the company’s performance.

In this article, we will discuss the ManipalCigna Health Insurance Claim Settlement Ratio and its importance.

What is a Claim Settlement Ratio?

The claim settlement ratio (CSR) is the percentage of total claims that an insurance company settles in a year. It serves as a gauge of their trustworthiness. The greater the ratio, the more dependable and reliable the insurance is.

Status of ManipalCigna Incurred Claim Settlement Ratio 2025
88.59%

Why Should You Check ManipalCigna Health Insurance Claim Ratio Before Buying Health Insurance?

The claim settlement ratio of a health insurance company helps in assessing the reliability of the insurance company in terms of paying the claims. It also gives you an insight into how the company is functioning in terms of settling your claims and can tell you about its reliability. The higher the CSR, the more capable the company is of settling claims. As a result, this component increases a company’s client trustworthiness.

In the table above, the ManipalCigna Claim Settlement Ratio is 88.59%, which shows that the company understands the need for quick claim settlement and helps you get treated without worrying about finances.

How to File a Claim for ManipalCigna Health Insurance?

Along with the ManipalCigna Health Insurance claim ratio, you must understand the claim settlement process. Below we have mentioned the claim filing process. Take a look:

Cashless Process

Along with the ManipalCigna Health Insurance claim ratio, you must understand the claim settlement process. Below we have mentioned the claim filing process. Take a look:
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

Inform 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, and pharmacy bills, and submit them to Manipal Cigna with the duly filled claim form.
Post this, ManipalCigna will assess the documents.
If the claim is approved, the amount will be transferred to your registered bank account.

Conclusion

ManipalCigna’s incurred claim settlement ratio of 88.59% in 2025 demonstrates a strong commitment to fulfilling its policyholders’ needs during medical emergencies. By offering both cashless and reimbursement claim processes, the company strives to provide a seamless experience. Understanding these processes and the required documentation is crucial for policyholders to navigate claims efficiently. Ultimately, choosing ManipalCigna means opting for a company that values quick claim settlements and aims to alleviate financial concerns during times of medical need. Secure your health and financial well-being with ManipalCigna. Explore their comprehensive health insurance plans today and experience their efficient claim settlement process. Visit PolicyX.com to ask your queries, we are here to help.

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

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 Sarvah Plan

'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

Individual and Family Health Insurance

Critical Care Plan

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

Group Health Insurance

ManipalCigna Pro Health Group Plan

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 ProHealth Prime Plan

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

Individual and Family Health Insurance

ManipalCigna Lifetime Health Plan

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 Super Top-up Plan

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

ManipalCigna ProHealth Plan

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

Accident Health Insurance

ManipalCigna Lifestyle Protection Accident Care Plan

Always be prepared for the ups and downs of life! Buy your ManipalCigna Lifestyle Protection Accident Care insurance plan that protects you financiall...

Unique Features

Lump sum payout
Dependent children cover
Loss of income benefit

ManipalCigna Lifestyle Protection Accident Care Plan (Pros)

Accidental death covered
Permanent total disability
Education fund
Emergency ambulance cover

ManipalCigna Lifestyle Protection Accident Care Plan (Cons)

Any PEDs
Suicide or an attempt at suicide
Intentional self-injury
Breach of law

ManipalCigna Lifestyle Protection Accident Care Plan (Other Benefits)

Burns cover
Broken bones benefit
Temporary total disability

ManipalCigna Lifestyle Protection Accident Care Plan (Eligibility Criteria)

Entry age- Child: 5 - 25 years; Adult: 18 - 80 years
Sum Insured: INR 50
000 - 10 Crores
Accidental injury/death: Day 1

Individual and Family Health Insurance

ManipalCigna Arogya Sanjeevani Plan

Protect your family with the ManipalCigna Arogya Sanjeevani policy! Yes, you heard that right. You should buy a standard health insurance policy like ...

Unique Features

AYUSH treatment cover
Covers modern treatments
Affordable & available for all

ManipalCigna Arogya Sanjeevani Plan (Pros)

Room rent covered
ICU charges
Pre-hospitalisation
Daycare treatment

ManipalCigna Arogya Sanjeevani Plan (Cons)

Breach of law
Hazardous or adventure sports
Contamination from Nuclear fuel/radiation
Unproven treatments

ManipalCigna Arogya Sanjeevani Plan (Other Benefits)

AYUSH treatment
Modern treatment
Cataract

ManipalCigna Arogya Sanjeevani Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Senior Citizen Health Insurance

ManipalCigna ProHealth Cash Plan

Your safety wallet, anywhere any time. Buy your ManipalCigna ProHealth Cash Policy. ManipalCigna ProHealth Cash plan is extended financial support thr...

Unique Features

Daily hospital cash benefit
Worldwide cover option
Multiple discounts available

ManipalCigna ProHealth Cash Plan (Pros)

Comes in 2 variants
Sickness hospital cash benefits
ICU cash benefit
Worldwide cover

ManipalCigna ProHealth Cash Plan (Cons)

Breach of law
Suicide or an attempt to commit suicide
Alcoholism or drug abuse
Contamination from Nuclear fuel or radiation

ManipalCigna ProHealth Cash Plan (Other Benefits)

Option to choose coverage period
Family discount
Online renewal discount
Long-term discount

ManipalCigna ProHealth Cash Plan (Eligibility Criteria)

Entry age- 91 days to 65 years
Coverage period- 60/90/180 days
Sum Insured- INR 500-5000

Individual and Family Health Insurance

ManipalCigna ProHealth Select Plan

ManipalCigna ProHealth Select - A health insurance plan that extends coverage in times of need. Life's unpredictable emergencies require your financia...

Unique Features

Customizable policy
Reassurance/Premium waiver
High SI options available

ManipalCigna ProHealth Select Plan (Pros)

Room rent
ICU charges
Pre and post-hospitalisation
OPD charges

ManipalCigna ProHealth Select Plan (Cons)

Investigation & evaluation
Rest/cure/rehabilitation and respite care
Obesity/weight control
Dental treatment

ManipalCigna ProHealth Select Plan (Other Benefits)

Cataract
No claim bonus
Automatic restoration

ManipalCigna ProHealth Select Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Individual and Family Health Insurance

ProHealth Prime Active Plan

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

Top Up and Super Top Up

ManipalCigna Super Top-up Plus Plan

“It’s Super Easy, Super Affordable.” ManipalCigna super top-up plus plan is an additional protection that you can buy to expand your...

Unique Features

Choose any hospital room
Affordable premiums
Healthcare inflation protection

ManipalCigna Super Top-up Plus Plan (Pros)

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
AYUSH hospitalization

ManipalCigna Super Top-up Plus Plan (Cons)

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered
Newborn baby cover NA

ManipalCigna Super Top-up Plus Plan (Other Benefits)

Organ donor cover
Discounts on premium
30 days grace period
Deductible options

ManipalCigna Super Top-up Plus Plan (Eligibility Criteria)

Entry Age - 91 days
Max Entry Age - No Limit
SI - 1 - 30 Lakhs
Waiting Period - 30 Days

Individual and Family Health Insurance

ManipalCigna Prime Protect Plan

"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

Senior Citizen Health Insurance

ManipalCigna Prime Senior Elite Plan

A gift of better healthcare for the golden years of life! The ManipalCigna Prime Senior Elite plan is specially designed for the senior citizens of yo...

Unique Features

Modern treatment cover
Flexible health check-ups
Air ambulance cover

ManipalCigna Prime Senior Elite Plan (Pros)

In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor expense coverage

ManipalCigna Prime Senior Elite Plan (Cons)

Cataract not covered
Sports injury cover
Cosmetic treatment unavailable
Baldness not covered
Higher co-pays applicable

ManipalCigna Prime Senior Elite Plan (Other Benefits)

AYUSH treatment cover
Second e-opinion covered
Multiple discounts available
OPD add-on cover available
COVID-19 treatment cover

ManipalCigna Prime Senior Elite Plan (Eligibility Criteria)

Entry age - 56 - 75 years
SI - INR 5 - 50 Lakhs
Waiting Period - 30 days

Individual and Family Health Insurance

ManipalCigna ProHealth Prime Advantage

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

ManipalCigna ProHealth Prime Advantage (Pros)

Bariatric surgery
Maternity coverage
Newborn baby cover
Daily cash benefits

ManipalCigna ProHealth Prime Advantage (Cons)

Compassionate travel
Copayment unavailable
Sub-limits not applicable

ManipalCigna ProHealth Prime Advantage (Other Benefits)

Air ambulance cover
OPD available
Domiciliary hospitalization

ManipalCigna 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

Senior Citizen Health Insurance

ManipalCigna Prime Senior Plan

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

ManipalCigna ProHealth Plus

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

Individual and Family Health Insurance

ManipalCigna ProHealth Protect Plan

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

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ManipalCigna Claim Settlement Ratio: FAQs

1. After how many days from discharge a person must file a reimbursement claim?

A person must file their reimbursement claim within 3 to 5 days from the date of their discharge.

2. What is the name of the mobile app of Manipal Cigna Health Insurance Company to check the claim settlement process?

The name of the mobile application for Manipal Cigna Health Insurance Company is ManipalCigna ProActiv.

3. What is the incurred claim settlement ratio of ManipalCigna for FY 2023-24?

The incurred claim settlement ratio of ManipalCigna Health Insurance is 63.78%.

4. Why is the ManipalCigna claim settlement ratio important?

It indicates the percentage of claims an insurance company settles, reflecting its reliability and efficiency in handling claims.

5. What are the two types of claim settlement processes offered by ManipalCigna?

ManipalCigna offers Cashless Claims and Reimbursement Claims.

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Written By: Bindiya Sinha

Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.