Manipal Cigna health insurance is quite popular for providing comprehensive insurance coverage to you and your family. ManipalCigna insurance policy has some unique features such as 20% increase of sum insured up to 200% every year, multiple restoration in case of multiple claims, cashless treatments at more than 4500 hospitals across India, wellness programs, tax benefit, online discounts and many more.
ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) is a merger between Cigna Corporation, US based leading health service provider and Indian conglomerate, Manipal Group. Headquartered in Mumbai, the insurer manages its business from there in over 11 cities.
Within a very short span of time, ManipalCigna has proved its potentials to be in the top list of insurers in standalone health insurance segment. Today, ManipalCigna offers an array of health insurance plans that offers comprehensive coverage, which can be availed for self, family, group etc.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
ManipalCigna Health Insurance at a Glance:
Key Features
Highlights
Network Hospitals
4500+
Incurred Claim Ratio
62%
Renewability
Lifelong
Waiting Period for Pre-existing Disease
4 years
Health Insurance Plans of ManipalCigna
Insurance seekers looking for health cover can choose from the following ManipalCigna health insurance plans as per their insurance requirements:
An all-round health insurance cover, ManipalCigna Pro health insurance provides complete insurance solution in case of a medical emergency. Available in 5 variants such as Protect, Plus, Preferred, Premier and Accumulate, the sum insured under this plan ranges from 2.5 to 1 cr.
ManipalCigna Pro Health Plan at a Glance
Type
Individual/Family
Minimum Entry Age
Children:19 days
Adult: 18 years
Maximum Entry Age
No limit
Sum insured
2.5 to 1 cr
Co-payment
20% for insured above 65 years
Policy Term
1, 2,3 year
Waiting period for pre-existing illness
2/3/4 years as per the plan opted
Features:
The salient features of this plan are as mentioned below:
ManipalCigna pro health policy offers comprehensive sum insured ranging from 2. Lakh to 1 cr under 5 plan options
25% of family discount Protect and Plus Plan and 10% for Preferred, Premier and Accumulate Plans
Tax benefit to be availed for premiums paid under Section 80D of the Income Tax Act
Free-look period of 15 days within which the policy can be cancelled
Worldwide emergency cover
Cumulative bonus for every claim-free year
AYUSH Cover
Rewards for maintaining a healthy lifestyle
Optional covers to be availed such as hospital cash benefit, waiver of co-payment, cumulative bonus booster, reduction in maternity waiting period etc.
Restoration of sum insured
No medical test up to the age of 45 years
Benefits:
Some of the unique benefits of ManipalCigna health insurance include:
In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
Pre hospitalisation expense cover for a specific period
Post hospitalisation expense cover for a specific period
Daycare treatment cover
Domiciliary treatment cover
Ambulance cover
Donor expense cover
AYUSH cover
Maternity expense cover
Newborn baby cover
First year vaccination cover
For the global traveler, worldwide emergency cover to take care of in-patient healthcare expenses outside India for full Sum Insured on re-imbursement basis
Exclusions:
The following conditions are not covered by this plan:
No claim will be entertained during the initial 30 days of the policy
Pre-existing illness will be covered after 2/3/4 years depending on the plan type
2 years waiting period for specific illnesses
Maternity claim will not be covered up to 48 months
With ManipalCigna Super Top Up plan, one can top up the basic cover at an affordable premium. The policy proves to be helpful in beating the inflation rate with guaranteed cumulative bonus. Choice of any hospital rooms while hospitalized, non-medical expense cover, family discount, AYUSH cover etc. are some of the unique features of this plan.
ManipalCigna Super Top up Plan at a Glance
Type
Individual/Family
Minimum Entry Age
Children:19 days
Adult: 18 years
Maximum Entry Age
No limit
Child: 23 years for family floater
Sum insured
3 to 30 lakh
Policy Term
1, 2,3 year
Waiting period for pre-existing illness
4 years
Features:
Key features of this plan are as mentioned-below:
It is a top up plan with sum insured option to be availed up to a maximum of Rs 30 lakh
The policy can be availed as both individual and family floater basis
Pre-existing illness are covered after a waiting period of 4 years
Income tax benefits to be availed under Section 80D of IT Act
15 days of free-look period within which the policy can be cancelled
30-days grace period and 15-days revival period for policy renewal
The policy comes with lifetime renewal option
3% discount on online renewal every year
Benefits:
Some of the unique benefits of ManipalCigna Super Top up insurance include:
In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
Pre hospitalisation expense cover for 60 days
Post hospitalisation expense cover for 90 days
Daycare treatment cover
Domiciliary treatment cover
Ambulance cover
Donor expense cover
AYUSH cover
Options to opt for covers like guaranteed continuity on deductibles, reduction of waiting period of pre-existing illness
Critical illness cover, as an add-on benefit
Exclusions:
Some of the permanent exclusion of this plan include:
Any illness or injury resulting from the insured involving in any criminal activity or any breach of law
Suicide or drug abuse
Contamination from Nuclear fuel or radiation
Foreign invasion or civil war
*For the complete list, please refer to the policy document
ManipalCigna Arogya Sanjeevani Policy is a simplified health insurance product that offers health coverage of Rs 1 lakh to Rs 5 lakh for treatment arising out of a medical emergency. One of the unique features of this plan is it covers diseases such as corona virus as well. The list of coverage includes cover for modern and advanced treatment, choice of multiple SI options, coverage for allopathic and AYUSH treatment etc.
ManipalCigna Arogya Sanjeevani Plan at a Glance
Type
Individual/Family
Minimum Entry Age
Children:19 days
Adult: 18 years
Maximum Entry Age
Children: 25 years
Adult: 65 years
Sum insured
1 lakh to 5 lakh
Policy Term
1, 2,3 year
Features:
Key features of this plan are as mentioned-below:
It is top up plan with sum insured option to be availed up to a maximum of Rs 30 lakh
The policy can be availed as both individual and family floater basis
Pre-existing illness are covered after a waiting period of 4 years
Income tax benefits to be availed under Section 80D of IT Act
15 days of free-look period within which the policy can be cancelled
30-days grace period and 15 days revival period for policy renewal
The policy comes with lifetime renewal option
3% discount on online renewal every year
Benefits:
Some of the unique benefits of ManipalCigna Super Top up insurance include:
In patient Hospitalisation including room rent, nursing expenses, ICU, medicine, oxygen, OT, surgeon’s expenses, fees of medical practitioner, anesthetist and so on
Pre hospitalisation expense cover for 60 days
Post hospitalisation expense cover for 90 days
Daycare treatment cover
Domiciliary treatment cover
Ambulance cover
Donor expense cover
AYUSH cover
Options to opt for covers like guaranteed continuity on deductibles, reduction of waiting period of pre-existing illness
Critical illness cover, as an add-on benefit
Exclusions:
Some of the permanent exclusion of this plan include:
Any illness or injury resulting from the insured involving in any criminal activity or any breach of law
Suicide or drug abuse
Contamination from Nuclear fuel or radiation
Foreign invasion or civil war
*For the complete list, please refer to the policy document
The ManipalCigna Lifestyle Protection - Accident Care assures financial support through the ups and down of life and ensures a safety cushion for a secured future. As a medical emergency resulting by an accident can plug a big hole in your financial portfolio, a protection plan like this is a boon to cover those unexpected expenses. Unlike other PA cover, this standalone personal accident policy offers a comprehensive coverage with benefits such as partial disability, ambulance cover, orphan benefit, funeral expenses cover and many more risks.
ManipalCigna Lifestyle Protection Plan at a Glance
Plan Type
Individual/Family
Minimum entry age
5 years to 18 years
Maximum entry age
25 years to 80 years
Sum Insured
Rs 5,000 to Rs 10 cr
Pre-existing Illness
Not covered
Waiting period
Not applicable
Features:
Complete coverage in case of Accidental Death and Disablement
Worldwide Coverage with a vast chain of network hospitals
Financial assistance in case Loss of Employment
Financial backing towards the Education & other Benefit for Orphan Child
Minimum Sum Insured is Rs 50,000 to a maximum of Rs 10 Crore
Minimum entry age is 5 years for children and 18 years for adults. Maximum age at entry is 25 years for children and 80 years for adults.
Option to pay via single premium mode or annually in case of a 2 & 3 year policy term.
Available on individual and family basis. Relationship covered is self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.
Additional 10 % discount on the premium amount for enrolling more than 2 family members under a single policy.
Apart from this, startling discount of 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy
Benefits:
The plan benefits are offered under three plan options i.e. Basic cover, Enhanced cover and Comprehensive cover.
A lump sum payout is made to the nominee in case of accidental death of the policyholder
In case of Permanent Total Disablement or Permanent Partial Disability of the insured due to an accident, the insurer pays a lump sum on regular basis as a source of income
Emergency ambulance cover
Orphan benefit in case the insured person has dependent children
A monthly payout as income benefit in case of disability leading to loss of income
Exclusions:
Major exclusions of this plan are:
Pre-existing illnesses/ disability arising out of such an illness will not be covered
Suicide, self-inflicted injury or acts of self-destruction
Death or disablement caused by sexually transmitted diseases
Medical certification availed from a doctor who is a family member
Death or disablement arising out of foreign invasion, warlike operations, participation in any naval, military or air-force operation
Claim for a disability or death arising out of a bacterial infection
Congenital diseases, defects or anomalies or in consequence thereof.
Death or disablement arising from surgical treatment
Death or disablement arising from Hernia
*For the complete list, please refer to the policy document
ManipalCigna ProHealth Cash Plan is a hospital cash benefit plan where a fixed amount is paid per day basis in lump sum during a hospitalisation. ProHealth Cash Plan comes in handy when your traditional health insurance doesn’t cover those expenses which come with a cluster of out of pocket expenses.
In such a situation, plans like ProHealth Cash comes to your rescue. Here’s how:
Plan at a Glance
Type
Daily cash plan
Minimum Entry Age
91 days
5 years for Optional accidental Death & Permanent Total Disability
Maximum Entry Age
65 years
Sum insured
Rs 500 to Rs 5000
Policy Term
1, 2, 3 years
Maximum coverage limit
60 days/90 days/180 days
Features:
Daily Cash Benefit (DCB) available from Rs 500 (1unit) to Rs 5000 (10 units) Accidental Death (AD) and Permanent Total Disability (PTD) cover from Rs 50,000 to Rs 25 Lacs
Option to choose maximum number of days of coverage from 60, 90 & 180 per policy year.
Protection for self and family member under individual cover
Choice of policy term of 1,2 & 3 years
2 times daily cash benefit for accidental hospitalization
3 times daily cash benefit towards ICU and worldwide cover
5 times daily cash benefit for hospitalization of 10 or more continuous days. 50% of the daily cash benefit will be payable in respect of accompanying person taking care of insured Benefit Coverage under the ManipalCigna ProHealth Cash
No medical test required up to the age 45 years
Benefits:
Benefits under ProHealth Cash plan are offered through 3 plan options:
Basic Plan
Sickness Hospital Cash Allowance
Accident Hospital Cash allowance
ICU Cash Benefit
Worldwide Cover
Enhanced Plan
This plan has been diversified to cover a broad range of expenses for a time duration of 90 days. The allowances allowed under this plan includes:
Sickness Hospital Cash Benefit
Accident Hospital Cash Benefit
ICU Cash Benefit
Worldwide Cover
Convalescence Benefit
Companion Benefit
Compassionate Benefit
Optional Covers Plan
Apart from the regular benefits in above two plans, customer may avail few more additional coverage for a time span of 180 days
Day Care Treatment Benefit
Accidental Death & Permanent Total Disability Cover
Critical Illness Add-on Cover
Exclusions:
Pre-existing illnesses are not covered up to 48 months
No claim will be entertained during the first 30 days of the policy
Two year waiting period is applied for covering certain specific illnesses
Permanent Exclusions:
Dental treatment
Expenses incurred towards AIDS/HIV or other related illnesses
Treatment received outside India
Any cosmetic surgery, aesthetic treatment, any form of non-allopathic treatment etc.
*For the complete list, please refer to the policy document
With ManipalCigna Lifestyle Protection Group plan, employees of a corporate group can secure themselves and their family. The policy can be purchased by corporate for their employees and dependents, where the policy is issued in the name of the company. Even foreign nationals working India can be included under this plan.
ManipalCigna Lifestyle Protection Group Plan at a Glance
Type
Individual basis
Minimum Entry Age
18 years
Children: 5 years
Maximum Entry Age
75 years
Children: 25 years
Policy Term
1 year
Sum Insured
Rs 10,000 to Rs 25 cr
Minimum member
7
Features:
Key features of this policy include:
The policy can be availed as combinations of group personal accident+ optional cover and group critical illness only or combination with optional cover
ManipalCigna Lifestyle Protection Group Plan can be availed for 1 year
The policy covers the insure against personal accident and critical illnesses listed in the policy
The policy allows the insured person to be placed in different level cover
The policy can be purchased online from the insurers official website
Group critical illness plan offers tax benefits towards the premium paid
Benefits:
Benefits of ManipalCigna lifestyle group protection plan are offered under two plan variants:
Under Group Accident Cover:
The policy offers a lump sum amount in case of an accident leading o death, permanent total disability, permanent partial disability or temporary total disability
The basic benefit can be chosen from any of the combination from AD, PTD, PPD or TTD.
There is a choice of selection of the basic benefits (4) in combination with optional benefits (34)
Group Critical Illness Cover
The policy offers a lump sum payment towards a critical illness
The payouts are subject to a survival period of 30 days
The policy offers a combination of optional covers. To name a few are Waiver of Survival Period, Hospital Cash Benefit, Emergency Evacuation, Rehabilitation Benefit, Loss of Earning Benefit etc.
Exclusions:
The standard exclusions of this policy include:
Any Pre-existing disease or disability arising out of pre-existing illnesses
Suicide, attempt to suicide, self-inflicted injury or acts of self-destruction
Death or disablement arising out of war, foreign invasion, war like operations, use of nuclear weapon etc.
Congenital diseases, defects or anomalies or in consequence thereof
Death or disablement caused by sexually transmitted diseases
Death or disablement arising from Bacterial infections,
Medical or surgical treatment expenses towards HIV/ AIDS
Death or disablement arising due to the insured’s involvement in an illegal activity
Death or disablement arising due to use, abuse or a consequence of drug, alcohol or hallucinogen
Death or disablement resulting from pregnancy or a consequence thereof, expenses of maternity, newborn
Death or disablement for engaging in any adventure sports or hazardous activities
Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel
ManipalCigna ProHealth Group Insurance Policy is designed to cover a group of people. The group can be employees of an organization, members of a society or professional association or an affinity group. The policy provides insurance protection to the group in times of medical emergency. With two plan types, ManipalCigna group policy offers comprehensive coverage as per the needs of the group people.
ManipalCigna ProHealth Group Insurance Plan at a Glance
Type
Group Plan
Minimum Entry Age
For group members
Children- day 1 to 25 years
Sum insured
5 lakh to 1 cr
Policy Term
1 year
Minimum member
7
Features:
Some of the key features of this policy include:
Easy and flexible plan management
Efficient, accurate implementation
Expert guidance on healthcare issues
Extensive network coverage
Innovative Health risk & Wellness management programs
Dedicated customer support
This plan is recommended for homogeneous groups, corporate body, institution etc. subject to a minimum group size of 7 people
Benefits:
Benefits under MnaipalCigna Group plan can be categorized into Base Cover and Optional cover. The list of coverage includes:
ManipalCigna Group Plan-Base Cover:
In-patient hospitalisation expenses cover including room charges, doctor fees, operation theatre, surgeon fees, specialist fees, anesthetist’s fees, radiologist, diagnostic tests, pathologist fees, nursing charges, medicines, medical and/or surgical appliances.
Pre-hospitalisation medical expenses cover for 60 days
Post-hospitalisation medical expenses cover for 90 days
Day care treatment cover
Road Ambulance Cover
Domiciliary hospitalisation Cover
Donor expenses cover
ManipalCigna Group Plan-Optional Cover:
Some of the optional covers offered by ManipalCigna group plan are mentioned below:
Maternity expense cover
Newborn medical expense cover
Hospital daily cash benefit
Reimbursement only cover
Voluntary Co-Payment for In- patient Hospitalisation
Critical illness cover
Personal accident benefit
Vision expense cover
Accumulate cover
Out-patient treatment cover, up to the sum insured chosen, where any one or combination of the below-mentioned can be opted:
AUSH
Consultation
Medical Aids
Pharmacy
Diagnosis
Exclusions:
Some of the permanent exclusions of ManipalCigna health plan for group are as mentioned below:
Treatment received outside India is excluded
Any form of alternative treatments such as AYUSH
Injury sustained while participating in risky sports, racing of any kind
Involvement in an air, military or naval force operations
Expenses incurred for dental treatment
Note: kindly refer to the policy document for the complete list of exclusions
ManipalCIgna Group Overseas Travel Insurance policy offers all round insurance protection to cover business trips, vacation, trip cancellation, trip interruption, health emergency expenses, loss of baggage and many more.
ManipalCigna Group Overseas Travel Insurance Plan at a Glance
Type
Group Plan
Minimum Entry Age
0 day
Maximum Entry Age
95 years
Sum insured
As per the specified
Policy Term
Depend on the travel duration
Pre-existing illness
Not covered
Features:
The key features of this health insurance from ManipalCigna are:
The policy offers customizable protection as per one’s travel needs
The policy is offered for single trip, not exceeding 1 year and multi trip basis
Option to choose between the Base and Optional covers
Medical expenses & travel inconvenience cover in a single plan
The policy offers package of 51 need based Optional covers
Pack of travel benefits from delay, loss of baggage to hijack
Set of benefits for accident & related eventualities
Option to choose from medical emergency, OPD to family support
Unique options to avail such as travel loan secure, adventure sports, cruise cover, golf related cover and more
Fixed or Indemnity payout as applicable
Easy Plan Management
Dedicated claims and customer support management
20 relationships can be covered under this policy
The premium can be paid monthly/quarterly/half-yearly/yearly basis
Number of travel days per trip to be availed under Multi Trip Option are 30/45/60/90 Days
Benefits:
Benefits offered under ManipalCIgna Overseas Plan can be categorized into three categories:
Benefit I: Medical Expenses
Benefit II: Travel Inconvenience cover due to trip cancellation and interruption
Benefit III: Travel Personal Accident
Benefit I- Medical Expenses
The policy covers emergency hospitalisation expenses on the occurrence of any illness or injury due to an accident in a foreign country
This covers expenses such as in patient expenses, diagnostic test, room rent, nursing expenses, air ambulance, medical evacuation etc.
Benefit II- Trip cancellation/Interruption
The policy covers trip cancellation or interruption due to fire, Catastrophe or any act of vandalism, bad weather, medical emergency, political strike or riot etc.
The coverage list includes expenses incurred towards any prior travel bookings for travel in a common carrier, advance accommodation bookings, any sightseeing bookings, and cruise bookings are covered
Return journey to India or home country within 3 days of trip cancellation or interruption is covered
Benefit III: Travel Personal Accident
This policy covers the insured for an injury due to an accident while abroad and if the injury results in the death of the person within 365 days, the policy sum insured up to 100% is paid.
Optional Benefits
Life-threatening pre-existing illness cover
OPD expense
Emergency Medical Evacuation
Permanent total Disability-Common Carrier
Permanent Partial Disability-Common Carrier
Exclusions of ManipalCipgna Overseas Travel Plan
Some of the major exclusions of this health plan, where ManipalCigna is not liable to pay any compensations, are:
Claim arising for a health emergency due to any pre-existing condition
Dental treatment, cementing tooth or teeth bridge
Root canal treatment, dental filling and crowning
Involvement of the insured in any illegal activity
Treatment of orthopedic, degenerative or oncological diseases
Any consequential loss or damage cost or expense of whatsoever
Nature
Any claim arising out of maternity or childbirth related expenses
*Note: kindly refer to the policy document for the complete list of exclusions
ManipalCigna ProHealth Select plan offers vital health coverage to safeguard you and your family against an eventuality. The policy allows the individual to choose from a wide range of sum insured up to 25 lakhs. The re-assurance benefit allows the policy to be auto-extended up to 2 years on diagnosis of critical illness or PTD.
ManipalCigna ProHealth Select Plan at a Glance
Type
Individual/Family
Entry age
91 days- 18 years
Maximum entry age
No upper age limit
Sum insured
Rs 2 lakh to Rs 25 lakh
Policy term
1 year
Plan Option
Basic, Value added, Optional and Rider
Who can be covered
Self, spouse, dependent parents and dependent parents in laws, dependent children, dependent siblings
Features:
The basic features of ManipalCigna ProHealth Select plan are:
An extensive sum insured option up to Rs 2 lakh to choose from with four plan options
The policy offers 5% cumulative bonus for each claim-free year
Optional covers such as Re-assurance, voluntary deductible, cumulative bonus booster and so on to increase the basic plan benefits
Children from 91 days can be covered if either of the parents is a member
The plan can be availed as individual and family floater basis
Benefit:
The insured is offered with the following benefits under this plan:
In-patinet hopsitalisation expense cover
Pro-hospitalisation expense cover for 60 days
Post-hospitalisation cover for 90 days
Daycare treatment
Domiciliary treatment cover for availing healthcare services at home which would otherwise have required hospitalisation
Ambulance cover up to Rs 2000
Donor expense cover
Restoration of policy sum insured
AYUSH cover
Exclusions:
The common exclusions of this policy include:
Pre-existing diseases will not cover up to 48 months
No claim will be entertained within first 30 days of the policy, except an accidental claim
Two years waiting period to be served for covering specific illnesses
90 days waiting period to cover critical illness under Re-assurance and rider benefit
Under permanent exclusion list-maternity expenses, dental treatment, cosmetic surgery, laser therapy, expenses incurred for HIV/AIDS, self-inflicted injury, suicide, attempt to suicide etc. are not covered
*For the complete list, please refer to the policy document
The ManipalCigna Lifestyle Protection - Critical Care is a customized insurance plan to reassure the financial assistance in the times of medical exigency for critical diseases. The policy pays out an amount equal to the policy sum insured upon the first diagnosis of a critical illness covered under ManipalCigna health insurance for critical illness.
ManipalCigna Lifestyle Protection - Critical Care at a Glance
Type
Individual/Family
Entry age
18 years
Maximum entry age
65 years
Sum insured
1 lakh to 3 cr
Policy term
1,2,3 years
Plan Option
Basic and Enhanced Cover
Who can be covered
Self, spouse, dependent parents and dependent parents in laws, dependent children
Features:
The key features of this plan are
Disbursement of the entire Sum Insured on first diagnosis of any of the 15 or 30 major Critical Illnesses
Additional 10% of the sum insured in case of staggered claim payment
Advantage of medical second opinion and any expense related to it
Available for Individual and Family basis plans
Option to pay the premiums as single premium mode or installments through annual mode
Additional 10 % discount on the premium amount for enrolling more than 2 family members under a single policy
Apart from this , startling discount of 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy
90 days waiting period from the policy inception date to make any claim in case if diagnosis of any listed critical illness
Available for age group of 18 to 65 years
Access to online wellness program for its customers
Available in two variant (a) Basic plan to cover 15 Critical Illnesses (b) Enhanced plan to cover 30 Critical Illnesses with enhanced sum insured payout structure
Flexibility to choose an annual premium installment for 2 and 3 years policy.
A grace period of 30 days for renewal of a single premium policy from the date of expiry.
Income tax rebate benefits under the section u/s 80D as per IT Act 1961 for premium paid towards this policy
Staggering Sum Insured amount up to Rs 3 Crores to cover all possible critical illness ailments in any unforeseen situations
Option to port your existing policy to ManipalCigna lifestyle Protection Critical care
Benefit:
The basic ManipalCigna health plan covers below mentioned critical illnesses: Cancer of specific severity
First Heart Attack – of Specific Severity
Open Chest CAB
Open Heart Replacement or Repair of Heart Valves
Coma of Specified Severity
Kidney Failure Requiring Regular Dialysis
Stroke Resulting in Permanent Symptoms
Major Organ / Bone Marrow Transplant
Permanent Paralysis of Limbs
Motor Neurone Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
Primary Pulmonary Hypertension
Aorta Graft Surgery
*For complete list, refer to the policy document
Critical Illnesses covered under Enhanced Insurance Policy
Cancer of specific severity
First Heart Attack – of Specific Severity
Open Chest CAB
Open Heart Replacement or Repair of Heart Valves
Coma of Specified Severity
Kidney Failure Requiring Regular Dialysis
Stroke Resulting in Permanent Symptoms
Major Organ / Bone Marrow Transplant
Permanent Paralysis of Limbs
Motor Neurone Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
Primary Pulmonary Hypertension
Aorta Graft Surgery
Loss of Hearing
Loss of Sight
Coronary Artery Disease
*For complete list, kindly refer to the policy document
Exclusions of ManipalCigna Lifestyle Protection-Critical Care
Any claim pertaining to or any consequential illness due to the below mentioned cases shall not be reimbursed under this plan:
Any illness other than specified critical illnesses as mentioned in the above list of inclusions of critical diseases
Any pre-existing diseases
HIV/AIDS and its complications
Mental disorders
Suicide or drug abuse
Any expenses resulting from child birth or pregnancy
No claims within the first 90 days of the policy
Policy benefits are only provided after a survival period of 30 days from the first diagnosis of a listed illness
*For the complete list, please refer to the policy document
ManipalCigna Global Health Group Policy
ManipalCigna Global Health Policy is a group health policy with a comprehensive insurance protection. The policy offers insurance coverage and wellness solution with a combination of optional covers. The policy is a best fit for meeting the requirements of employer-employee/non-employer-employee segment. The insured is entitled with a wide range of sum insured starting from USD 5000.
ManipalCigna Global Health Group Policy at a Glance
Type
Group Policy
Minimum entry age
18 years
Children: 1 day to 25 years
Maximum entry age
95 years
Sum Insured
USD 5000
Policy Term
1 year
Minimum Member
7
Features:
The key features of this plan from ManipalCigna insurance company include:
Provides inpatient hospitalization and day care benefits
Outpatient benefit cover
Multiple options with hospitalisation/out-patient related benefits
Smart choice of maternity expenses and new born cover
Emergency Evacuation
Repatriation, out of area cover
Dental, Vision cover, Hospice and palliative care
Travel vaccination, Complementary treatments, cancer cover and more
Host of options for cost effective plans - Co-pay, Deductible, Waiting period inclusion and Maximum limit on Out of pocket expense
Wellness package for Health and Well-being
Access to Secure Member Website for end-to-end support
Easy access to quality health care around the world
Benefits:
ManipalCigna global health policy offers all round insurance protection in terms of in-patient hospitalisation, along with other medical benefits. Let’s have a look here:
Inpatient expense cover including room rent, expenses for ICU/OT, surgical procedures, doctor’s fees, expenses for medicines, oxygen, specialist’s fee, Anaesthetist fee etc.
Day care treatment
AYUSH treatment
Ambulance cost
Coverage for HIV/AIDS
In-patient psychiatric treatment cover, subject to a specific waiting period
Maternity cover as an optional cover
Pre hospitalisation expense cover
Post hospitalisation expense cover
Exclusions:
ManipalCigna global health group plan comes null and void under the below conditions:
Treatment received outside India is excluded
Any form of alternative treatments such as AYUSH
Injury sustained while participating in risky sports, racing of any kind
Involvement of the insured in an air, military or naval force operations
Expenses incurred for dental treatment
*For the complete list, please refer to the policy document
Other Value Add Services by ManipalCigna Healthcare
ManipalCigna Health Insurance Company Limited offers a high-end online platform for various services. This ensures hassle free enrollment and transparency in all terms & conditions for enrollment in any of the plans.
Online Assistance Provided
Callback
Claim Process
Claims tracker
FAQ
Hospital Locator
ManipalCigna Branch
Glossary
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
How to Buy ManipalCigna Health Insurance Policy
Buying ManipalCigna health plan is easy. You can buy from the official website of Manipal Cigna online or simply visit any of the offices of the insurer and buy directly. You can also approach an authorised agent of ManipalCigna to buy health insurance.
Or you can simply visit POlicybazaar.com and buy ManipalCigna health insurance online. Follow the steps below to buy health insurance from Policybazaar.com
Visit the official website at www.policybazaar.com
Go to the health insurance page
You’ll be leading to the insurance calculator page to compare the plans
Provide relevant information such as name, contact number, type of plan, age etc.
Based on your information provides, the calculator will suggest different plans
If you find ManipalCigna as your perfect match, buy the plan from there
Pay the premiums online and get a comprehensive health cover from ManipalCigna health insurance
How to Renew a ManipalCigna Health Insurance Policy?
To get the benefits of ManipalCigna health policy, it is essential to renew the policy before or on the renewal due date. Now renewing ManipalCigna policy is easy and can be ensured from the comfort of your home. You just need to ensure 3 easy steps and here you get the renewed policy instantly. Just follow the below steps to renew ManipalCigna Health Insurance Policy.
Just visit www.policybazaar.com
Go to the ‘Renewal’ option on the home page
Select the type of policy from the given options
Enter your details such as DOB, mobile no etc.
Choose the health policy you want to renew, provide the policy number
Pay the premiums online and get the renewal done instantly
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How to File a Claim for ManipalCigna Health Insurance?
The claim procedure of ManipalCigna Health Insurance is different for Cashless Claims and Reimbursement Claims.
Procedure for Cashless Claims
Cashless claims are offered only when the insured undertakes the desired treatment at a network hospital, provided the said treatment is covered by the policy.
Intimate the Insurer: In case of planned hospitalization, you should approach the company 3 days in advance. Moreover, the customer care representatives will also help in following steps. In the case of an emergency, you should contact the insurance company within 48 hours of admission to the hospital.
Identification: You will need to show your ManipalCigna health card and a valid photo ID at the network hospital to be able to use your insurance policy. The hospital will, then, approach the company for approval of cashless hospitalization.
Pre-authorisation Process: The network hospital will send a preauthorization request form with the details of your medical history, line of treatment and estimated treatment cost to the insurance company.
On Approval: The insurance company will issue a duly signed Authorization Letter to the particular network hospital. The information and/ or any documents required will be reported to the hospital. And, authorization will be issued only upon the receipt of necessary documents.
Discharge Formalities: The Network Hospital will send the final request for authorization of any residual amount, final hospital bill, and discharge summary to the insurer. Once the final authorization letter from the company is received, the patient will be discharged. Inadmissible expenses such as co-payments or deductions (if any) will have to be paid by the claimant.
Settlement with the Hospital Authority: After the network hospital sends the original claim document, the claim will be assessed and payment will be made by the insurer directly.
Procedure for Reimbursement Claims
Avail Treatment at the Hospital: The policyholder has to settle all hospitalization expenses. It is important to the collect the original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills and other documents at the time of discharge since these will facilitate the claim process.
Submit the Claim Documents: Download the claim form from the website of ManipalCigna . You can also contact your ManipalCigna Health Advisor and then submit the claim documents at the insurance company’s branch or office. The documents must be submitted within 15 days of discharge.
Claim Assessment: On receipt of all claim-related documents, the admissibility of claim will be assessed by ManipalCigna and only then would the claim be processed. In case of the requirement of additional information or documents arises, the insurance company will approach you. Only upon receipt of every last necessary documents will your claim be processed.
Updates and Help from Claims Service Associate: A claims service associate helps you through the paperwork and forms if you request for this service.
Settlement of Claim: Upon approval of the claim, payment of the claim shall be made by the insurance company to the policyholder only through EFT.
Ans: You have to contact the ManipalCigna Health Insurance Company as soon as an emergency occurs, or inform them in advance in case of a planned hospitalization.
Ans: In case of cashless claims, the authorization will be directly sent to the hospital by the insurance provider. Email and SMS is sent to your registered mail id and mobile number.
In case of reimbursement claims, updates on the status of your claim will be sent to you via email and SMS; which is why it is important to always have your contact details updated in the company records.
Ans: The Health Maintenance Benefit is aimed at reimbursing the outpatient expenses (if any) incurred by the policyholder during the policy period. This benefit also includes coverage for diagnostic tests, dental treatments, drugs, medical aids, prosthetics, and/or any other types of medicines taken.
Ans: We will cover Medical Expenses of the Insured Person incurred outside India, up to limits specified in the Schedule, provided that:
The treatment is Medically Necessary and has been certified as an Emergency by a Medical Practitioner, where such treatment cannot be postponed until the Insured Person has returned to India and is payable under Section II.1 of the Policy.
The Medical Expenses payable shall be limited to Inpatient Hospitalization only.
Any payment under this Benefit will only be made in India, in Indian rupees on a re-imbursement basis and subject to Sum Insured.
The payment of any claim under this Benefit will be based on the rate of exchange as on the date of payment to the Hospital published by Reserve Bank of India (RBI) and shall be used for conversion of foreign currency into Indian rupees for payment of claim. You further understand and agree that where on the date of discharge, if RBI rates are not published, the exchange rate next published by RBI shall be considered for conversion.
Ans: A cashless claim is convenient since the payment is handled by the insurance company with the Network Hospital, with no involvement of the policyholder in the payment process.
However, any non-payable amounts will be deducted. Inadmissible expenses such as co-payments or deductions (if any) will have to be paid by the insured.
Manipal Cigna Health Insurance has recently announced that it has waived off the mandatory co-pay clause that applied to all the senior citizens above the age of 65 years and above, for coronavirus treatment.
The co-payment required the policyholder to pay a certain percentage of the treatment expenses and the insurer pays the rest of the amount.
All the Manipal ProHealth Insurance plans that require the insured senior citizens to pay co-payment benefit for policies issued before April 30 will no longer need to pay from their pocket. This initiative was taken in light of COVID-19 treatment that can jeopardise a family both emotionally and financially. Waiver of co-payment will ensure peace of mind to the customers amid this pandemic.
Written By: PolicyBazaar - Updated: 21 December 2020
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Vadali, March 09, 2021
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R.k.nagar, March 01, 2021
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I am so happy and relaxed with the financial cover Manipal Cigna health plans provide. It was Policybazaar who helped me buy this critical illness plan. Thank you!
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Fakirpur, March 01, 2021
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R.k.nagar, February 26, 2021
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I got my claims settled in 3-4 days and was able to utilize the amount for the treatment. Claim is processed quickly, and hospitalization is so smooth. It is so simple and convenient.
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