ManipalCigna offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ManipalCigna
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ManipalCigna for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ManipalCigna policy
- The network hospital will send the hospital bill to ManipalCigna.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate ManipalCigna about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About 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.
Types of ManipalCigna Insurance Plans
ManipalCigna ProHealth Prime Insurance is a complete healthcare insurance plan that covers everything from hospitalization to OPD expenses.
Features and 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
The ManipalCigna ProHealth Insurance plan provides comprehensive medical coverage against a range of diseases while focusing on the overall wellness of the insured.
Features and 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
The ManipalCigna LifeTime Health Insurance plan covers medical expenses incurred within India as well as abroad. It also comes with Health+, Women+ and Global+ optional covers.
Features and 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 is a flexible plan that allows people to customize coverage as per their health needs.
Features and 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
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.
Features and 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 is a critical illness insurance policy that offers coverage for up to 30 critical illnesses, including cancer, coma, kidney failure, etc.
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
The ManipalCigna Prime Senior Insurance plan has been specially designed to cater to the health needs of senior citizens.
Features and 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 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.
Features and 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
The ManipalCigna ProHealth Cash plan pays a fixed daily cash benefit to the insured to cover ancillary expenses incurred during in-patient hospitalization.
Features and 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 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 and 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
Key Benefits of ManipalCigna Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search ManipalCigna Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a ManipalCigna health insurance claim:
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Claim FormDuly filled and signed ManipalCigna health insurance claim form
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Health Card/Policy CopyHealth card or a copy of ManipalCigna health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsAll medical bills, including hospital bills and pharmacy bills, along with payment receipts
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KYC DocumentsKYC documents to be submitted for claims above ₹1 lakh
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a ManipalCigna Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred ManipalCigna health insurance policy and pay the premium online
The process to renew a ManipalCigna Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the ManipalCigna health insurance policy you want to renew and pay the premium online
Explore ManipalCigna Health Insurance
Here are the contact details of HDFC ERFO General Insurance Company:
| Categories | Contact Details |
|---|---|
| Toll-free Number | 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.
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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
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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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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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