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About Manipal Cigna Health Insurance

Manipal Cigna Health Insurance Company Limited is a standalone health insurance provider which has been formed as a joint venture between two companies.
The joint venture is between Cigna Corporation, which is a global organisation in health care services present over 30 countries and the Manipal Group of companies, leading health care services organisation in India along with being a pioneer in higher education.Manipal Cigna Health Insurance Company Limited offers a range of health insurance plans including indemnity plans, fixed benefit plans, group insurance plans and personal accident plans

Things to know about Manipal Cigna : Important highlights about the company, which are worth a mention include the following

  • The company is present across 15 leading cities of India
  • The company received the award of Economic Times Best Promising Brand in the year 2015
  • Manipal Cigna is the official health insurance partner of two leading marathons – Standard Chartered Mumbai Marathon (SCMM) and Airtel Delhi Half Marathon (ADHM)

Why you should choose Manipal Cigna Health Insurance? Manipal Cigna offers some unique advantages to customers,making it one of the most preferred health insurance providers

Here are the advantages which you can find if you become a customer of Manipal Cigna

  • The ProHealth range of health insurance plans offered by the company have unique coverage benefits which set them apart from other health insurance plans
  • Cigna’s group health insurance policy was the first plan to offer worldwide health insurance coverage to employees of a company who travel abroad frequently for business purposes
  • ProActiv Living is a flagship facility offered by the company which helps you deal with health related queries and live a healthy life
  • The company is tied up with more than 4500 hospitals in India for offering cashless claim settlements
  • Manipal Cigna has partnered with wellness providers to provide its customers with free access to healthcare services
  • Wellness programs designed by the company helps customers earn reward points if they lead a healthy life

Manipal Cigna Claim Settlement Ratio

99%

Manipal Cigna

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Manipal Cigna has a claim settlement ratio of 99%, as compared to the industry average of 94.21%.

Manipal Cigna Health Insurance Plans Overview

Manipal Cigna health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 1770/yr. The sum insured ranges from Rs. 3 Lakh - 3 Cr. Details of the comprehensive coverage provided by the following 10 Manipal Cigna health insurance plans are listed below:

Manipal Cigna Lifetime Health Policy

Starting Premium- 17,942/Yr

Eligible Age

91 days - 65 years

Coverage

50 Lakh - 3 Cr

Manipal Cigna Pro Health Preferred Policy

Starting Premium- 49,457/Yr

Eligible Age

91 days onwards

Coverage

15 Lakh - 50 Lakh

Manipal Cigna Pro Health Premier Policy

Starting Premium- 79,218/Yr

Eligible Age

91 days onwards

Coverage

NA

Top Features From Manipal Cigna Health Plans

Manipal Cigna offers some unique advantages to customers, making it one of the most preferred health insurance providers

Here are the advantages which you can find if you become a customer of Manipal Cigna

  • The ProHealth range of health insurance plans offered by the company have unique coverage benefits which set them apart from other health insurance plans
  • Cigna’s group health insurance policy was the first plan to offer worldwide health insurance coverage to employees of a company who travel abroad frequently for business purposes
  • ProActiv Living is a flagship facility offered by the company which helps you deal with health related queries and live a healthy life
  • The company is tied up with more than 4500 hospitals in India for offering cashless claim settlements
  • Manipal Cigna has partnered with wellness providers to provide its customers with free access to healthcare services
  • Wellness programs designed by the company helps customers earn reward points if they lead a healthy life

Health insurance plans are an important addition to your financial portfolio because of the following reasons

  • Medical expenses have increased beyond affordability. Thus, to take care of any medical emergencies, a health insurance plan is required which pays the medical bills
  • Illnesses, ailments and accidents have become common in today’s age. These require frequent medical attention and such attention can be afforded if you have a health insurance plan
  • Health insurance plans come in different varieties and if you choose relevant types of coverage options, you can get an all-round protection
  • Health insurance also helps in tax saving The premiums which are paid for health insurance plans qualify for tax deduction up to INR 1 lakh under Section 80D

Exclusions Across Manipal Cigna Health Plans

  • Pre-existing illnesses : If the insured suffers from known illnesses at the time of buying the policy, such illnesses are called pre-existing illnesses. Pre-existing illnesses are not covered in the initial 1-4 years of the policy and this period is called waiting period
  • Specific illnesses in their waiting period : There are specific treatments and named illnesses which are not covered in the first 1-4 years of the plan like hernia, piles, joint replacement surgeries, etc.
  • Self-inflicted injuries : If the insured harms himself/herself or attempts suicide, subsequent medical costs are not covered
  • Cosmetic and dental treatments : Treatments which are cosmetic in nature and not required for treating any illness are not covered. Similarly, dental treatments are also not covered unless they are required in the treatment of an accidental injury
  • Mental disorders: Psychiatric disorders or mental imbalances and their treatments are not covered
  • Congenital disorders: Birth related congenital disorders and defects are not covered
  • Pregnancy related expenses: Until and unless the plan has maternity coverage, expenses related to pregnancy and childbirth are not covered
  • HIV/AIDS/STDs: Sexually Transmitted Diseases, HIV, AIDS and other venereal diseases are not covered
  • Alcohol/drug usage: Use of alcohol or drugs and the medical complications arising out of such usage are not covered
  • Unproven treatments: Medical treatments which are unproven or experimental in nature are not covered

Manipal Cigna Premium Calculator

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Manipal Cigna Customer Care

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Manipal Cigna Claim Process

Manipal Cigna supports both cashless claims and reimbursement claims. This section covers the information on how to check Manipal Cigna health insurance claim status, fill Manipal Cigna health insurance claim form, and the claim settlement process.

  1. If you are getting hospitalised in a networked hospital, it would be a cashless claim. You should inform the insurance company immediately of your claim
  2. Fill up a pre-authorization form stating the claim details and submit the form to the insurance company
  3. If it is a planned hospitalisation, the form should be filled in and submitted at least 3 to 5 days before being hospitalised. If, on the other hand if the hospitalisation is due to an emergency, fill up the form and submit it within 24 hours of hospitalisation
  4. The insurance company would verify the pre-authorization form and approve the claim
  5. Once the claim is approved you can avail cashless treatments. The medical bills would be settled by the insurance company directly with the hospital
  6. A Manipal Cigna Health Insurance claim form should be filled and submitted with the insurance company along with all the medical documents to complete the claim process

  • If you are being hospitalised in a non-networked hospital, your claim would be settled on a reimbursement basis
  • You should inform Manipal Cigna of the claim and then avail treatments
  • Pay for the medical expenses incurred on your treatments
  • After being discharged from the hospital, collect the Discharge Summary
  • Fill up the claim form of Manipal Cigna Health Insurance and submit it along with all the original medical bills and reports. The Discharge Summary should also be submitted to the insurance company
  • Manipal Cigna would assess the documents submitted, verify the authenticity of the claim and then reimburse the expenses incurred on hospitalisation

Manipal Cigna Health Insurance Renewal Process

ManipalCigna Health Insurance Policy Online Renewal Process


Renew your Manipal Cigna health policy with ease by following these steps
Step 1: Go to the official ManipalCigna Health Insurance website. Click on the 'Renewal' option and choose Retail Customer.
Step 2: Provide necessary information like your policy number and date of birth and then click 'Proceed.' You can find your policy number in the email & text messages sent to you on your register email & mobile number
Step 3: Carefully review policy details and make online payment using the available flexible payment methods
Step 4: An email confirming the premium payment and policy renewal will be sent to you

Please note that the company offers hassle free renewal of your policy even if your policy has crossed the renewal date, up to 30 days

Renewing Your ManipalCigna Health Insurance Policy Offline

For offline policy renewal with ManipalCigna Health Insurance, you have two options

  • Contact ManipalCigna Health Insurance experts via the toll-free number 1800-102-4462 to share your renewal requirements
  • Visit a nearby ManipalCigna Health Insurance branch to complete the renewal process in person

FAQs

Fixed benefit health plans are those wherein the claim amount does not depend on the actual medical expenses incurred. A fixed amount of money is paid which is predetermined at the time of buying the policy.

Yes, you can by as many health insurance plans as you want depending on your coverage requirement.

Health insurance plans of Manipal Cigna are offered for a period of 1 year, 2 years or 3 years. If you choose longer coverage tenure you also get premium discounts.

No, health insurance claims pay for medical expenses incurred in case of hospitalisation. They do not pay for accidental death. However, if you buy personal accident plans, you get a claim for accidental death.

Yes, medical check-ups are required if you opt for sum insured of INR 25 lakhs. Check-ups are usually required at all ages.

Indemnity oriented health insurance plans are those which pay for the actual medical costs which are incurred up to a maximum of the sum insured chosen by the policyholder.

Yes, all health insurance plans allow lifelong renewals without any maximum cover ceasing age. However, for dependent children, the family floater covers them till 23 years of age. Thereafter, they have to be insured under an independent health insurance plan.

Portability means switching from one health insurance plan to another. Porting can be done between the health insurance plans of the same company or between the health insurance plans of different companies. To port, the policyholder should submit a written request with the insurance company at least 45 days before the expiry of the policy under which he/she is covered.

Manipal Cigna’s ProHealth plans allow family floater coverage wherein self, spouse, dependent children and dependent parents can be covered.

Co-payment is a clause which is usually applicable if the insured is 65 years or above. Under co-payment, a part of the claim is paid by the policyholder himself/herself and the insurance company then pays the remaining. So, if the plan has a co-payment of 20% it means that 20% of the claim would have to be paid by the policyholder and the insurance company would pay the remaining 80% of the claim.

A health insurance plan which compensates for the expenses incurred on hospitalization and has no predefined fixed benefits attached to any condition is called an Indemnity Health Insurance Plan. Basically, it works on a cashless reimbursement basis and claim is payable only on hospitalization.
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