ManipalCigna Health Insurance

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:

  • ManipalCigna ProHealth Insurance

    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
    • Permanent exclusions for dental treatment, cosmetic surgery, cosmetic surgery, non-allopathic treatment

    Note: Kindly refer to the policy document for the complete list of exclusion

  • ManipalCigna Super Top up

    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

  • Arogya Sanjeevani Policy, ManipalCigna

    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

  • ManipalCigna Lifestyle Protection - Accident Care

    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

    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

  • ManipalCigna Lifestyle Protection Group Policy

    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:

    1. 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
    2. 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

    1. The policy offers a lump sum payment towards a critical illness
    2. 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

    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

    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

     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

  • ManipalCigna Lifestyle Protection - Critical Care

    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

    1. 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
  • The policy soft copy will be sent to your registered mail Id

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.

ManipalCignaHealth Insurance - FAQs

  • Q1. Who do I call for claim settlement?

    Ans: You can either contact your ManipalCigna Health Advisor, or directly approach the company through the toll-free helpline number provided by them.

  • Q2. Should I tell the company about my hospitalization only when I make a claim?

    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.

  • Q3. What documents are required to make a cashless claim?

    Ans: The following documents are required at the time of intimation of the claim:

    • Name and complete address of the particular Medical Practitioner or/ and Hospital
    • You must ask the insurance provider in case any other documents are needed.
  • Q4. What are the documents required to make a reimbursement claim?

    Ans: The following documents are required to make a reimbursement claim:

    • Duly signed claim form
    • Hospital Break up bill
    • Hospital Discharge summary
    • Copy of photo ID of patient
    • Hospital Main Bill
    • Operation Theatre notes
    • Investigation reports
    • X-Ray, CT films, ECG, MRI, HPE, Original investigation reports
    • Doctors’ reference slip for investigation
    • Pharmacy Bills
    • Post Mortem Report, MLC or FIR report
  • Q5. How to know if my claim has been authorized or not?

    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.

  • Q6. Is there a limit on the number of claims I can make in a year?

    Ans: While there is no limit on the number of claims that can be made in a year, the sum insured is limited.

  • Q7. What is Health Maintenance Benefit?

    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.

  • Q8. How long does it generally take to process claims?

    Ans: The insurance company takes 5 working days to accept or reject a claim.

    Following this, it takes not more than 30 days to settle the claim.

  • Q9. What is Worldwide Emergency Cover?

    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.
  • Q10. Does a cashless claim mean I don’t have to pay anything at all?

    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.

ManipalCignaHealth Insurance - News

  • No Co-payment for Coronavirus treatment for Senior Citizens: Manipal Cigna Health Insurance

    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 October 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 31 Reviews)
ManipalCigna Health Insurance Reviews & Ratings
4.2 / 5 (Based on 31 Reviews)
(Showing Newest 9 reviews)
Swapnil
Pune, November 03, 2016
Wonderfull suport from Head Customer care
Very good follow up and service from head customer care...
Gaurav
Hussainganj, October 21, 2016
Trusted insurance Plan
The heath insurance plan is very much needed. I have purchased it from ManipalCigna insurance company ltd. which is really very good insurance company. The services are fast and on time, so waiting in long queues.
Prashant
Delhi, October 05, 2016
Best Health Plan
Nowadays, Health insurance policy is very much in need. The insurance plan i have is very simple and easy to get. ManipalCigna insurance company is the one which gives all the service at very low price. It cover maximum cases and claims are simple to get by the service of the executives.
Karan
Palanpur, September 29, 2016
Great Deal
Premium of my health insurance is less but the returns which i get is very big. Ambulance is facilitate for free at any location. Policy coverage and claims are sanctioned easily. Service provided by the executives is fast. A large number of hospitals make easy to get treatments.
Resham
Deoli, August 26, 2016
Wonderful Plan
Great health insurance given by cigna insurance company. Policy premium is less and returns are high. Service provided by you guys is fantastic and on time too. Claims are high and policy coverage is high. Updates are mailed about insurance policy and the renewals are easy to pay through online portal service.
Manohar
Sitapur, August 02, 2016
Easy Returns
Cigna health insurance plan i choose and buy it in very low premiums. The policy coverage is good approx. 89% and the claims are easy to cleared. The service is speedy and the online portal service is very impressive. It gives easy renewals and updates of the insurance policy.
Sujata
Lunawada, July 21, 2016
Cigna health insurance
My colleague suggested me a health plan, i purchased cigna health insurance plan which is very awesome plan in low investments. Large number of hospitals working for on time treatments. Ambulance is facilitate for free of cost at any location.
Alokh
Baradwar, July 07, 2016
Health is Wealth
I have health insurance policy and it is good in many ways like low premiums and claims are high which is easily sanctioned. Service is fantastic provided by staff members. Policy covers maximum expenditure and good number of hospitals are there for fast service.
Kanishk
Chattarpur, June 24, 2016
Fine Health Insurance
The health insurance plan is must in this unsafe days. The policy provide great benefits for the policyholder in low premiums. The service is fantastic which is given by members of the company. Ambulance is there for free and huge figure of hospitals are the positive points. Good health insurance.
 
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