ManipalCigna Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 88%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D

About ManipalCigna Health Insurance

ManipalCigna Health Insurance stands as a prominent standalone health insurance company, recognized for its leadership in the insurance industry. Through a strategic joint venture between the esteemed Manipal Group and Cigna Corporation, the company offers a comprehensive range of insurance solutions tailored to diverse medical needs. These solutions include individual insurance, family floater plans, critical illness coverage, personal accident insurance, group mediclaims, top-up policies, cash policies, and overseas travel cover.

Embracing technological advancements and adapting to evolving health requirements, ManipalCigna Health Insurance continuously refines its products and services. The company remains dedicated to providing health, wellness, and peace of mind to its valued customers by facilitating easy access to quality healthcare without incurring financial strain. With a customer-centric approach, ManipalCigna Health Insurance strives to safeguard the well-being of individuals and families, ensuring their healthcare needs are met with reliability and convenience.

ManipalCigna Health Insurance Plans Summary

ManipalCigna Health Insurance offers a range of health insurance plans that provide coverage for various medical expenses related to illnesses and injuries. Here are the top 5 health insurance plans offered by ManipalCigna Health Insurance Company:

ManipalCigna ProHealth Insurance: This comprehensive plan covers individuals and families, with a no-limit entry feature and a sum insured range of Rs. 2.5 lakh to Rs. 1 crore. It includes benefits such as in-patient hospitalization, pre-hospitalization, post-hospitalization, daycare procedures, maternity expenses, worldwide emergency cover, restoration of the sum insured, and more.

ManipalCigna Super Top Up Plus Plan: Designed to enhance existing health insurance coverage, this plan allows policyholders to increase their coverage at an affordable premium. It offers a wide range of sum insured options from Rs. 3 lakh to Rs. 30 lakh, with deductibles ranging from Rs. 3 lakh to Rs. 10 lakh. Benefits include in-patient hospitalization, pre-hospitalization, post-hospitalization, cumulative bonus, ambulance cover, donor expenses, and non-medical expenses cover.

ManipalCigna Lifestyle Protection - Critical Care: This plan provides coverage for the treatment costs of critical illnesses mentioned in the policy. Available for individuals aged 18 to 65, it can be renewed for life. It offers two plans: Basic and Enhanced, covering 15 and 30 critical illnesses, respectively. The sum insured ranges from Rs. 1 lakh to Rs. 3 crore.

ManipalCigna ProHealth Select Insurance: This plan offers coverage on an individual or family floater basis. It provides a wide range of sum insured options from Rs. 50,000 to Rs. 25 lakh and is available for individuals between the ages of 18 and 65. The plan covers in-patient hospitalization, pre-hospitalization, post-hospitalization, daycare treatment, domiciliary treatment, ambulance cover, and donor expenses. It also offers optional and add-on covers.

ManipalCigna Arogya Sanjeevani Policy: This policy provides comprehensive coverage for individuals and families. Proposers must be between 18 and 65 years old. The sum insured ranges from Rs. 1 lakh to Rs. 5 lakh, and additional family members can be added. The plan covers in-patient hospitalization, in-patient hospitalization for Ayush treatment, modern treatments, cumulative bonus, daycare procedures, cataract treatment, road ambulance cover, and more.

ManipalCigna Health Insurance ensures that policyholders have access to a variety of plans to suit their healthcare needs, offering comprehensive coverage and peace of mind.

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Why Choose ManipalCigna Health Insurance?

ManipalCigna Health Insurance offers an array of valuable benefits to its policyholders. Here are some of the notable offerings related to health insurance:

  • Excellent Customer Support: The insurer prioritizes customer care, ensuring that policyholders receive exceptional support and assistance. The dedicated support staff is available 24/7, working diligently to provide satisfaction and peace of mind to policyholders.
  • Wellness Programs: ManipalCigna Health Insurance goes beyond traditional coverage by offering a wide range of wellness services and programs. These initiatives are designed to help policyholders lead healthier, more fulfilling lives. The insurer is dedicated to promoting the health, well-being, and overall peace of mind of its customers.
  • High Claim Settlement Ratio: ManipalCigna Health Insurance boasts an impressive claim settlement ratio of 85.72% for the financial year 2019-2020. This ratio reflects the company's commitment to efficiently settling claims and supporting its policyholders during their time of need.
  • Worldwide Emergency Cover: Recognizing that accidents or illnesses can occur anytime and anywhere, ManipalCigna Health Insurance provides a comprehensive worldwide emergency cover. This feature ensures that policyholders are financially protected against unexpected medical expenses resulting from injuries or illnesses that may arise while traveling abroad.
  • Award-Winning Health Insurance Company: ManipalCigna Health Insurance has been honored with the prestigious title of "The Best Health Insurance Company Of The Year" at the India Insurance Summit Awards 2019. This recognition reaffirms the company's status as a trusted name in the insurance industry and reinforces its reputation as a reliable provider of insurance solutions.

ManipalCigna Health Insurance not only prioritizes efficient claim settlements and exceptional customer support, but also goes the extra mile by offering wellness programs, worldwide emergency cover, and being recognized as an award-winning health insurance company. Policyholders can trust in the company's commitment to their well-being, ensuring they receive comprehensive coverage and peace of mind.

Key Benefits of ManipalCigna Health Insurance

By holding a ManipalCigna Health Insurance policy, you can enjoy the following benefits:

  • Lifetime Renewability: ManipalCigna Health Insurance offers policyholders the advantage of lifetime renewability. This means that policyholders can renew their health insurance policies at any time during their lifetime, ensuring uninterrupted medical coverage and peace of mind without any hassle.
  • Assured Annual Bonus: ManipalCigna Health Insurance plans offer an Assured Annual Bonus benefit, allowing policyholders to increase their sum insured by 25% every year, up to a maximum of 200% with most insurance plans. This helps policyholders combat rising medical costs, although the specific details may vary depending on the chosen plan.
  • Multiple Restoration: The Multiple Restoration feature ensures that policyholders can restore their entire sum insured if their health coverage becomes insufficient or exhausted due to multiple health insurance claims. This feature is available with the majority of ManipalCigna Health Insurance plans, providing policyholders with added security and coverage.
  • Easy Portability Option: The insurance provider offers an Easy Portability Option for policyholders who wish to switch their existing health insurance policies. With this option, policyholders can change their insurance provider while retaining the benefits of their current health insurance policy, making the transition smooth and convenient.

ManipalCigna Health Insurance ensures that policyholders can enjoy the advantages of an Assured Annual Bonus, Multiple Restoration, lifetime renewability, and easy portability. These benefits contribute to comprehensive coverage and flexibility, providing policyholders with greater financial security and convenience when it comes to their healthcare needs.

ManipalCigna Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for ManipalCigna Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 89.50%
FY 2019-2020 | 85.72%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. ManipalCigna Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

ManipalCigna Health Claim Process

ManipalCigna Health Insurance offers two methods of claim settlement: cashless claim and reimbursement claim.

Cashless Claim Process

1: Notify the Insurance Provider: Inform ManipalCigna Health Insurance about your hospital admission at least 3 days in advance for planned admissions. In case of emergencies, notify the insurer within 24 hours of hospitalization by calling 1800-419-1159.

Step 2: Present Identification: Show your ManipalCigna Health Insurance health card and a valid photo ID at the hospital's insurance department or TPA desk. Fill out the cashless hospitalization request form and submit it to the hospital, which will share it with the insurance provider.

Step 3: Document Verification: The ManipalCigna Health Insurance claim settlement team will review the provided information and documents. If any additional documents are required, they may contact the network hospital to obtain them.

Step 4: Claim Service Assistance: If you need assistance with the paperwork or claim settlement forms, a claim service associate will be available to guide you through the process.

Step 5: Claim Settlement: Upon discharge, the network hospital will send the final request along with the hospital bill. If the claim request is approved, the insurer will inform both you and the hospital, and the bills will be paid after considering any co-payments, inadmissible expenses, or deductions. If the request is disapproved, the insurer will provide valid reasons for the decision.

Reimbursement Claim Process

Step 1: Notify the Insurance Provider: Inform ManipalCigna Health Insurance about your hospitalization at least 3 days in advance for planned hospitalizations or within 24 hours for emergency hospitalizations by calling 1800-419-1159.

Step 2: Receive Medical Treatment: Receive medical treatment at a non-network hospital and make the necessary payments for the hospital bills. Collect all medical bills, test reports, discharge summaries, and other relevant documents during discharge to share with the insurance provider.

Step 3: Submit Claim Documents: Obtain the health insurance claim request form from the ManipalCigna Health Insurance website or your insurance policy kit. Fill and sign the form, attach the required medical documents, and submit them to the corporate office or the nearest branch of ManipalCigna Health Insurance within 15 days of discharge from the hospital.

Required for ManipalCigna Health Insurance Reimbursement Claim:

  • Valid ID Proof of Policyholder
  • Doctor's recommendation letter for hospitalization
  • Doctor's prescription for consultations, medications, and medical tests
  • Original hospital bills, receipts, and discharge forms signed by the doctor
  • Original invoices from chemists
  • Original reports of diagnostic tests, radiology reports, and payment bills
  • First Information Report (FIR), if applicable to a police case
  • Post Mortem Report, if applicable

Step 4: Document Verification: The ManipalCigna Health Insurance claim settlement team will thoroughly review the claim form and medical documents. If any insufficiencies are found, you may be asked to provide additional information or documents. If your claim request is rejected, valid reasons will be provided.

Step 5: Claim Settlement: Upon verification and approval of your claim request, ManipalCigna Health Insurance will inform you and provide the claim amount after deducting relevant co-payments and other factors.

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  • Customer Reviews and Ratings: features customer reviews and ratings, allowing users to gain insights from the experiences of others when choosing insurance options.
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ManipalCigna Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 88%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D
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