ManipalCigna Health Insurance
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Overview of ManipalCigna Health Insurance
The ManipalCigna Health Insurance Company was started jointly by the Indian conglomerate Manipal Group and the US-based Cigna Corporation in the year 2014. The company is known for offering a wide range of health insurance plans with attractive features and benefits like the switch off benefit, premium waiver benefit, etc. It also offers customized health plans for senior citizens, critical illnesses and accidents.
The ManipalCigna Health Insurance Company also has a quick and easy claim process with 96% of the cashless claims being settled within 2 hours. Moreover, the insurance company also enjoys an incurred claim ratio of 76.17% in the year 2020-21, which reflects its financial stability in the market.
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ManipalCigna Health Insurance Plans
ManipalCigna health insurance plans offer medical coverage to people with different health needs and financial capacities. Take a look at the wide range of health insurance plans offered by ManipalCigna Health Insurance Company below:
Plan name
For family
Plan name
For top up
Plan name
For individuals
For accidents
Plan name
ManipalCigna ProHealth Cash Plan
For hospital Daily cash
Plan name
For individuals
For critical illness
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
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ManipalCigna Health Insurance Plans in Detail:
ManipalCigna ProHealth Prime Insurance Plan
ManipalCigna ProHealth Prime Insurance is a complete healthcare insurance plan that covers everything from hospitalization to OPD expenses. The sum insured option ranges from Rs 3 lakh to Rs 1 crore under this plan.
Features & Benefits:
- Costs of hospitalization, OPD consultation and domiciliary treatment are covered
- Coverage for HIV AIDS, mental illnesses and non-medical expenses are available
- Annual health check-ups and unlimited teleconsultations are available
- 25% cumulative bonus for up to 200% granted for every claim-free year
- Switch off benefit and premium waiver benefit are available
- Optional packages offering maternity cover, newborn baby cover and any hospital room category are available
- Coverage for infertility treatment, personal accidents and critical illnesses are also available as optional covers
ManipalCigna ProHealth Insurance Plan
The ManipalCigna ProHealth Insurance plan provides comprehensive medical coverage against a range of diseases while focusing on the overall wellness of the insured. The plan is available with a sum insured amount ranging from Rs 2.5 lakh to Rs 1 crore.
Features & Benefits:
- Coverage for in-patient, pre-hospitalization and post-hospitalization expenses
- Maternity expenses, newborn baby expenses and the baby’s vaccination are covered
- Worldwide emergency cover along with the health maintenance benefit is available
- Free health check-up benefits and expert opinions on critical illnesses are available
- Up to 10% cumulative bonus granted for every claim-free policy year
- Option to reduce the maternity waiting period and waive off mandatory co-payment available
- Critical illness cover is also available as an add-on cover
ManipalCigna LifeTime Health Insurance Plan
The ManipalCigna LifeTime Health Insurance plan covers medical expenses incurred within India as well as abroad with a sum insured ranging from Rs 50 lakh to Rs 3 crore. It also comes with Health+, Women+ and Global+ optional covers.
Features & Benefits:
- Coverage for hospitalization, day care procedures and domiciliary expenses are available
- Treatment for major illnesses, including cancer, is covered outside of India
- Robotic & cyber knife surgery and HIV/ AIDS & STD are covered
- Adult health check-ups, mental care coverage and AYUSH benefits are available
- Medical evacuation, repatriation and global travel vaccination are covered
- 100% restoration of benefit along with premium waiver benefit available
- Women+ package covers screening of 4 types of cancer along with osteoporosis
- Global+ package covers global OPD expenses and offers chemotherapy & radiotherapy cash
ManipalCigna ProHealth Select Insurance Plan
ManipalCigna ProHealth Select Insurance plan is a flexible plan that allows people to customize coverage as per their health needs. The plan is available for a sum insured amount ranging from Rs 50,000 to Rs 25 lakh.
Features & Benefits:
- In-patient treatment along with day care procedures is covered
- Coverage for AYUSH treatment and domiciliary treatment are available
- Donor expenses and ambulance expenses are also covered
- 5% cumulative bonus for up to 100% available for every claim-free year
- Option to choose cumulative bonus booster, removal of room rent and deductible cover
- Re-Assurance cover also comes as an optional cover
ManipalCigna Super Top Up Insurance Plan
The ManipalCigna Super Top Up Insurance plan offers additional coverage to the insured in case the base policy is insufficient to cover the entire medical expenses. The plan comes with sum insured options ranging from Rs 1 lakh to Rs 30 lakh.
Features & Benefits:
- In-patient treatment taken through allopathy and the AYUSH system of medicines is covered
- Coverage for non-medical expenses and ambulance services are available
- Both pre-hospitalization and post-hospitalization expenses are covered
- Any hospital room category and guaranteed cumulative bonus benefit are available
- Reduction of PED waiting period and guaranteed continuity on deductibles available as optional covers
- Coverage for critical illnesses are available as an add-on cover
ManipalCigna Lifestyle Protection Critical Care Plan
ManipalCigna Lifestyle Protection Critical Care is a critical illness insurance policy that offers coverage for up to 30 critical illnesses, including cancer, coma, kidney failure, etc. The sum insured option ranges from Rs 1 lakh to Rs 25 crore under this plan.
Features & Benefits:
- While the Basic plan covers 15 critical illnesses, the Enhanced plan covers 30 critical diseases
- Lump sum payment of up to 100% of the sum insured is made on the first diagnosis of the disease
- 10% additional sum insured amount is paid if the staggered payout is opted
- Health & wellness programs, including lifestyle management and health risk assessment, are available
ManipalCigna Prime Senior Insurance Plan
The ManipalCigna Prime Senior Insurance plan has been specially designed to cater to the health needs of senior citizens. The plan comes with sum insured options ranging from Rs 3 lakh to Rs 50 lakh.
Features & Benefits:
- Coverage for day care treatments, hospitalization and AYUSH treatment are available
- Both road ambulance and air ambulance charges are covered
- Restoration of the sum insured and the premium waiver benefit are available
- 10% cumulative bonus for up to 100% is also granted
- Free health check-ups and unlimited teleconsultations can be availed
- Any hospital room category and reduction in PED waiting period available as optional covers
- ManipalCigna Health 360, consisting of OPD cover, is available as an add-on
ManipalCigna Lifestyle Protection Accident Care Plan
ManipalCigna Lifestyle Protection Accident Care is a personal accident insurance policy that offers financial support in case the insured meets unforeseen events like death, disability or loss of job. The plan is available in three types and comes with a sum insured of up to Rs 10 crore.
Features & Benefits:
- Coverage for accidental death and permanent disability are available
- Emergency ambulance charges and funeral expenses are covered
- Education fund and the orphan benefit for the insured’s children are available
- Coverage for loss of employment is also available
- Coma benefit, burns benefit and broken bones benefit are available as add-on covers
- Lump sum payment of up to 100% of the sum insured is made
ManipalCigna ProHealth Cash Plan
The ManipalCigna ProHealth Cash plan pays a fixed daily cash benefit to the insured to cover ancillary expenses incurred during in-patient hospitalization. The sum insured under this plan ranges from Rs 500 to Rs 5000 per day.
Features & Benefits:
- While the Basic plan covers 15 critical illnesses, the Enhanced plan covers 30 critical diseases
- Lump sum payment of up to 100% of the sum insured is made on the first diagnosis of the disease
- 10% additional sum insured amount is paid if the staggered payout is opted
- Health & wellness programs, including lifestyle management and health risk assessment, are available
ManipalCigna Health 360 Rider
ManipalCigna Health 360 is a health insurance rider that can be used to enhance the coverage of your basic health policy. The rider is available in three types – OPD, Shield & Advance and can be purchased with selected ManipalCigna health insurance plans.
Features & Benefits:
- Coverage for OPD consultations, diagnostic tests and pharmacy bills are available
- Non-medical expenses during hospitalization are covered under the Shield plan
- Coverage for durable medical equipment are available for in-patient or post-hospitalization
- 100% restoration of the sum insured is available for unlimited times in a year
- Coverage for air ambulance expenses are also covered
- Any hospital room category cover is available under the Advance plan
Why Should You Buy ManipalCigna Health Insurance Plans?
Here are some of the reasons why you should buy a ManipalCigna health insurance plan:
- Any Room Category – Most of the plans come with any room category benefit that covers the cost of any hospital room as per the insured’s choice, be it a single private room or a suite.
- Faster Claim Settlements – The ManipalCigna Health Insurance Company boasts of approving cashless claim requests in 90 minutes.
- 24x7 Customer Assistance – The customer support team of the insurer is available for assistance round the clock.
- Tax Benefits – Policyholders can avail tax benefits on the premium amount paid to buy or renew a ManipalCigna health insurance policy.
How to File a Claim with a ManipalCigna Health Insurance Plan?
The procedure to file a cashless claim under ManipalCigna health insurance plans is given below:
1
Inform the Insurance Company
Report your emergency hospitalization at the TPA desk of your network hospital within 24 hours. In case of planned hospitalization, inform the TPA desk at least 48 hours in advance.
2
Display Your Documents
The TPA will submit your documents and pre-authorization form to the insurer.
3
Request for Pre-authorization
After careful assessment, the insurer will approve your cashless treatment at the hospital.
4
Get Cashless Treatment Approval
The TPA will submit the hospital bill and other documents to the insurer after your discharge.
5
Claim Settlement
The insurance company will pay the claim amount directly to the hospital.
For reimbursement claims, you need to pay the entire hospital bill yourself while getting discharged from the hospital and then submit all the required documents to the insurance company. The insurer will verify your documents and transfer the claim amount to your bank account.
Documents Required for ManipalCigna Health Insurance Claim
Check out the list of documents to be submitted while raising a ManipalCigna health insurance reimbursement claim:
- Duly filled and signed claim form
- Copy of photo id or KYC documents
- Original hospital discharge summary
- Original main hospital bill with break-up bill
- Original pharmacy bills
- Invoices for implants, stents, lens stickers, etc.
- Original investigation reports, such as MRI, CT scans, X-Ray, ECG, etc.
- Doctor consultation letters/ reference slips
- Operation theatre notes
- Copy of PAN Card (if the claim amount is above Rs 1 lakh)
- MLC/ FIR report (if applicable)
- Original cancelled cheque with the policyholder’s name printed on it
ManipalCigna Health Insurance Network Hospitals
Customers of ManipalCigna Health Insurance Company can avail cashless treatment facilities at any of its network hospitals. Take a look at the city-wise list of ManipalCigna health insurance network hospitals below:
How to Buy ManipalCigna Health Insurance Plans?
Follow the steps given below to buy a ManipalCigna health insurance plan online:
Step 1: Go to Policybazaar.com and click on the ‘health insurance’ icon
Step 2: Select the people to be insured along with their age
Step 3: Enter your basic details, including your name, city, phone number, and gender
Step 4: Choose if you have a pre-existing illness or medical history
Step 5: Select the ManipalCigna health insurance plan you want to purchase
Step 6: Pick any add-ons if you want and pay the premium amount
Step 7: The policy will be issued once the payment is received.
How to Renew ManipalCigna Health Insurance Plans?
Here is the procedure to renew your ManipalCigna health insurance policy online on Policybazaar.com:
Step 1: On the homepage, go to the ‘Renew Your Policy’ tab on the menu bar
Step 2: Select ‘Health Renewal’ from the dropdown menu
Step 3: Enter your registered mobile number and OTP to log in to the account
Step 4: First-time users can provide their details by clicking on the ‘health insurance’ icon on the homepage
Step 5: Choose the ManipalCigna health insurance renewal plan
Step 6: Pay the premium amount online
Step 7: The insurer will renew your policy after they receive the payment.
How to Calculate ManipalCigna Health Insurance Premium?
The ManipalCigna health insurance premium can be calculated online through an insurance premium calculator by entering basic details like the city, policy sum insured, tenure, etc. Check out the following ManipalCigna health insurance premium calculator to estimate the premium of your health policy online.
Contact Details of ManipalCigna Health Insurance
Here are the contact details of ManipalCigna Health Insurance Company:
| Categories | Contact Details |
| Toll-free No | 1800-102-4462 (for customers calling from India) 1800-102-4464 (for policy buying) 1800-102-4465 (for policy renewal) |
| Phone No | +91 22 4985 4100 (for customers calling from outside India) |
| Email Id | customercare@manipalcigna.com seniorcitizensupport@manipalcigna.com (for senior citizen assistance) mychangerequest@manipalcigna.com (for policy alterations) |
ManipalCigna Health Insurance- FAQs
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Q1. Is ManipalCigna healthcare cashless?
Ans: Yes. ManipalCigna health insurance plans offer cashless treatment at all the network hospitals of the insurer spread across India. -
Q2. Where can I find the ManipalCigna health insurance hospital list?
Ans: You can find the ManipalCigna health insurance hospital list with the policy document provided by your insurer. You can also check the network hospital list on Policybazaar.com -
Q3. How can I check my ManipalCigna health insurance policy status?
Ans: You can check the status of your ManipalCigna health insurance policy online on the website of the insurer. You can also contact the ManipalCigna health insurance customer care team to know the status of your policy.
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Q4. When should I submit my documents for the ManipalCigna health insurance reimbursement claim?
Ans: You must submit your reimbursement claim documents to the ManipalCigna Health Insurance Company within 15 days of getting discharged from the hospital. -
Q5. How long does ManipalCigna take to settle a health insurance claim?
Ans: The ManipalCigna Health Insurance Company will settle your claim within 7 working days.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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