ManipalCigna Group Health Insurance

About ManipalCigna

ManipalCigna Health Insurance has established itself as one of India's fastest-growing standalone health insurers since its inception in 2014. The company has seen impressive growth, with a 3.5x increase in Gross Written Premium (GWP) and a 2x rise in market share within the overall health insurance market over the past five years. In FY24, ManipalCigna reported a GWP of approximately INR 17 billion, reflecting a 28% CAGR. With a strong focus on customer-centric solutions, the company now serves over 19 million active lives, providing comprehensive health coverage that meets diverse needs across India.

ManipalCigna Group Health Insurance Plans

The Group Insurance Scheme offered by ManipalCigna are:

ManipalCigna ProHealth Group Insurance Policy

A Group Health Insurance plan with the tagline ‘Every Detail Matters to Your Health’. This policy provides a sum insured up to Rs. 1 Crore ad is best suited for an employee-employer group and non-employer employee groups and institutions, associations, and society. The key benefits of this plan are:

Key Benefits:

• A comprehensive, flexible, and easy healthcare policy that provides the best coverage in case of injury or illness.
• OPD, hospital, and home care expenses are covered under a single plan.
• Provides choice to select base and optional covers.
• The plan offers seven inbuilt benefits in base cover.
• The total package provides 42 requirement-based optional covers.
• Provides the option to select maternity, vision, dental, and vision cover.
• The first Group Health Insurance plan provides deductible, co-pay, and more.
• The plan provides AYUSH treatment coverage.
• It provides a choice to get cover for personal accident and critical illness.

Inclusions:

• This policy offers a full circle of healthcare services, including base cover for a range of options and essential benefits.
• The base cover includes:
• Inpatient hospitalisation
• Domiciliary treatment
• Daycare treatment
• Expenses of donor
• Road ambulance
• Provides choice for multiple requirements-based optional covers
• Road ambulance expenses

Exclusions:

• Ailments that require treatment because of the use of intoxicating substances or drug abuse.
• Stay in the hospital without taking any treatment.
• Any hospitalisation or illness arising because of a breach of law.
• Any expenses or illness that is caused due to contamination by radioactivity or ionising radiation from any nuclear fuel.

Note: The above list is only indicative, not exhaustive.

Eligibility:

• Entry Age: There is no minimum entry age for this policy
• The minimum group size is seven members.
• Lifetime renewal facility if the group member is associated with the group.

ManipalCigna Global Health Group Policy

A Group Health Insurance policy offered by ManipalCigna has a tagline, ‘Every Detail Matters for Global Protection’. This policy provides a sum assured of up to $ 10 million. It is best suited for a group of employer-employees and non – employer-employee groups, institutions, and associations. Key benefits of ManipalCigna Global Health Group Policy are:

Key Benefits:

• Provides global care for hospitalisation, outpatient treatment, and daycare treatment.
• Offers comprehensive wellness and health solutions.
• Provides a choice of multiple options with out-patient and hospitalisation-related advantages.
• Several options are provided for this cost-effective policy – deductible, co-pay, the inclusion of the waiting period, and the maximum limit on the out-of-pocket expenditure.
• Provides easy access to the best-in-class healthcare service across the world.
• Newborn cover, maternity expenses, repatriation, evacuation, out-of-area cover, vision cover, dental cover, travel vaccination, cancer cover, complimentary cover, psychological and psychiatric cover, HIV/AIDS cover, and more are provided.

Inclusions:

• The Global Health Group Policy provides more than health benefits and can also be tailored to your organisation's or group members’ requirements.
• Provides outpatient cover.
• This plan also provides daycare benefits and in-patient hospitalisation coverage.
• It offers a wellness package for well-being and health.

Exclusions:

• Ailments that require treatments because of abuse or use of drugs or other intoxicating substances.
• Any stay in the hospital without undergoing any treatment.
• Any hospitalisation or illness that arises because of or due to any breach of law.
• All expenses or illnesses are caused by contamination due to radioactivity or ionising radiation from any nuclear fuel.

Note: The above list is only indicative, not exhaustive.

Eligibility:

• The minimum entry age for this policy is 18 years and the maximum entry age is 95 years.
• The policy's term is one year, and it is lifetime renewable if the person remains associated with the group.

ManipalCigna Lifestyle Protection Group Policy

ManipalCigna Lifestyle Protection Group policy protects against various consequences of unforeseen health issues and accidents. An organisation or group of people with the same interest is eligible to purchase this policy. This policy can easily be customised as per the requirements of the employees or members of the group. The key benefits of the Lifestyle Protection Group policy are:

Key Benefits:

• This policy provides the widest choice of insurance covers:
• Accidental death benefit
• The benefit of permanent total disability
• The benefit of permanent partial disability
• The benefit of temporary total disability
• Provides multiple optional advantages
• This plan covers up to 36 critical illnesses and major healthcare procedures.
• Coverage for cancer is also available.
• Indemnity cover or fixed pay-outs are also offered.
• This policy provides eight choices for cover.
• Provides the option to waive the survival period in case of critical illness.

Inclusions:

• This policy provides a sum insured of up to Rs.50 crore
• Under this plan, protection in case of disability and/or death is offered.
• The plan provides cover for 36 critical illnesses.

Exclusions:

• Any pre-existing illnesses or disability arising from a pre-existing illness is not covered.
• Disablement or death arising because of abuse or use of drugs or other intoxicating substances is not covered.
• Disablement or death because of pregnancy and its consequences are not covered.
• Disability or death because of contamination by radioactivity or because of ionising through any nuclear fuel is not covered.
• Any treatment that is caused due to or because of pregnancy is also not covered.

Note: The aforementioned list is only indicative and does not cover the detailed description.

Eligibility:

• The minimum sum insured for this policy is Rs. 10,000, and the maximum is Rs. 50 Crore.
• The minimum number of people required by a group is seven.
• The minimum age to enter this plan is 18 years and the maximum age is 75 years.

ManipalCigna FlexiCare Group Insurance Policy

As the name of this policy, it is designed to offer flexibility, but it is comprehensive to fulfil the needs of both group members and individuals. The key benefits of this policy are:

Key Benefits:

• This plan offers coverage against various ailments, perils, events, and risks in different segments, including accidents, surgery, Mediclaim, wellness, and domestic travel.
• It provides complete freedom to design a requirement-based Group Health Insurance cover from a single cover to cover almost everything related to health.
• Provides multiple options ranging from daycare treatment, hospitalisation, outpatient home care, and other related treatments.
• This plan provides coverage for the family of the policyholder and his/her dependent people.
• The policy works as an income protector, premium waiver, and EMI protector as well.
• To make it cost-effective, it offers a choice of deductibles, a co-pay sub-limit, a limit on hospitalisation duration and an inclusion of a waiting period.

Inclusions:

• With the FlexiCare Group insurance plan, you can design an insurance plan for your employees according to their needs.
• It provides cover against a wide range of perils, events, and ailments, including Mediclaim, accidents, domestic travel, surgery, and wellness.
• Dependents and family protection, EMI protection, income protection, and waiver of premiums are also included.
• It also provides a wellness package for policyholders' overall well-being and health.
• This policy offers various choices to make it cost-effective, including deductibles, co-pays, sub-limits, a limit on hospital duration, and an inclusion of a waiting period.

Exclusions:

• Ailments that require treatment due to abuse or use of the drug or other intoxicating substance.
• All the expenses that directly or indirectly arise because of foreign invasion or war-like situations.
• Any hospitalisation or illness because of a breach of law.
• Any ailment or illness caused by containment by radioactivity or ionising radiation from any nuclear fuel.

Note: The aforementioned list is not complete and is just indicative.

Eligibility:

• There is no minimum or maximum age to purchase this policy.
• The minimum number of members needed in a group is seven.