Exploring Manipal Cigna Health Insurance and Claim Settlement

As residents of a developing nation, we are exposed to the risk of contracting various illnesses. Despite thorough maintaining an active lifestyle, we are prone to various illnesses. A lot of factors such as pollution and food adulteration come into action and impose a constant strength to our immunity.  That being said, medical inflation makes it impossible for middle-class people to access quality healthcare.

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      This is where health insurance plans come to the rescue. In health insurance market, there are plenty of insurance plans to choose from. Opting for an adequate health plan is quite a task. Health insurance policies range from individual policies, family floaters policies, maternity insurance policies, personal accident policies, critical illness policies, group insurance policies to senior citizen policies. 

      Manipal Cigna health insurance offers comprehensive health plans. You can research, shortlist plans that fit the bill and compare those plan and zero down on a plan that fulfills your insurance expectations.

      Plan Basis- Individual vs. Family Floater

      When you buy health insurance, your insurance provider guarantees to cover certain pre-decided medical expenses on the basis of the plan that you opt for. Some policies offer medical insurance coverage for individuals while some offer medical insurance coverage for families, groups etc.

      Manipal Cigna Individual Health Insurance Plan

      The individual health plan provides insurance coverage only to one individual who will enjoy insurance benefits after paying health insurance premium. 

      Benefits and Key Features of Individual Health Plan

      1. Individual Specific Coverage-It offers health insurance coverage, especially for individuals.

      2. Enhanced Insurance Coverage- It provides insurance coverage for pre-decided medical expenses of the insured on the basis of the opted plan. 

      3. Exclusive Sum Insured-  An insured gets sum insured exclusively to himself/herself as he doesn’t have to share it with anybody.

      4. Hospitalization Coverage-It covers hospitalization expenses such as room rent, laboratory tests, doctor’s fees, and surgery expenses etc. incurred by the insured person.

      5. Lifetime Renewal- It comes with the option of lifetime renewability. 

      6. Tax Benefit- It offers tax deductions as per Section 80D of the IT act.

      7. Pre & Post Hospitalization Costs- It covers pre and post hospitalization costs.

      8. Critical Illness Coverage-It provides insurance coverage for critical illnesses.

      9. Covers High Insurance Risks-It is ideal for individuals having higher exposure to health-related risks.

      10. No Maximum Age of Entry- It comes with no restriction on the maximum entry age.

      Manipal Cigna Family Floater Health Insurance Plan

      A family floater plan covers several family members in a single health insurance plan paying a single insurance premium annually. If there are multiple illnesses, the amount insured can be shared between family members and multiple claims can be availed. 

      Rather than buying separate individual health plans for each family member, it is better to buy a family floater health insurance plan and enjoy maximum insurance benefits. 

      Benefits and Key Features of Manipal Cigna Family Floater Health Insurance Plan

      1. Amount Insured Can Be Enhanced- If needed, the sum insured of a family floater plan can be enhanced to cover various insured members of a family. 

      2. Cashless Hospitalization Benefit- The insured can enjoy a cashless hospitalization benefit if he/she intimate his/her insurance provider within 24 hours of his/her hospitalization in a network listed hospital. 

      3. Hospitalization Benefit- It covers room rent expenses, lab tests, doctor fees and surgery expenses etc. incurred by the insured person during.

      4. High Sum Insured- It comes with high sum assured because it is shared by a family. 

      5. Tax Benefit- It offers tax deductions as per Section 80D of the IT act.

      6. Pre & Post Hospitalization Costs- It covers pre & post hospitalization costs.

      How to Register a Claim with Manipal Cigna health insurance?

      Manipal Cigna health insurance formulated a wide range of health insurance plans and backed their health insurance plans through its customer support service. In order to offer around the clock customer support, the company invested in latest technologies for offering smooth claims support.

      You can file multiple claims with Manipal Cigna health insurance up to your amount insured limit. There are two ways of filing claims, both are mentioned below:

      • For Cashless Claims

      In order to avail cashless treatment, you must seek medical treatment in a network-listed hospital of Manipal Cigna health insurance. Here are the two ways of filing a cashless claim.

      • For a Planned Hospitalization-For availing cashless facility for a planned hospitalization, you need to get an approval from the insurer. 
      • In order to get an approval, duly fill the claim form and attach required documents and submit it to Manipal Cigna Health Insurance Company. 
      • Once your cashless claim request is approved, intimate the insurer within 3 days before your admission.
      • For an Unplanned Hospitalization-Intimate Manipal Cigna health insurance within 48 hours of admission. Display your Manipal Cigna health insurance card & a photo ID card at the registration desk of your preferred hospital.   

      The officials will verify your details & submit a duly-filled & signed pre-authorization request form to Manipal Cigna health insurance. The pre-authorization request will get an approval within 1 hour 30 minutes of receiving the request.  

      • After verification, the insurer will provide an approval letter to the hospital. After that, the cashless medical treatment will begin. Manipal Cigna health insurance would directly settle the bills with the hospital. 

      For Reimbursement Claims

      • In case of reimbursement claims, duly fill the claim form, attached the required medical documents and submit it to the nearest branch office within 15 days after getting discharged from the hospital. 
      • Your claim status will be updated to you through SMS or email. 
      • The reimbursement claim will be settled within 5 - 30 working days of submitting the claim form with relevant forms. 
      • Manipal Cigna health insurance will send you the claim amount through NEFT/cheque/DD.

      Simply put,

       If you have a health plan from Manipal Cigna Health Insurance Company then you know how to initiate a claim request. Moreover if you are still deciding, you can speak to our customer care team to know more about Manipal Cigna health plans.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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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