ManipalCigna Health Insurance

(67 Reviews)
Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Advantages of
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      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Overview of 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.

      The ManipalCigna Health Insurance Company also has a quick and easy claim process with 96% of the cashless claims being settled within 2 hours. Moreover, the insurance company also enjoys an incurred claim ratio of 76.17% in the year 2020-21, which reflects its financial stability in the market.

       

      ManipalCigna Health Insurance Plans

      ManipalCigna health insurance plans offer medical coverage to people with different health needs and financial capacities. Take a look at the wide range of health insurance plans offered by ManipalCigna Health Insurance Company below:

      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 2.5 lakh
      Max. Coverage
      ₹ 1 crore
      For top up
      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 30 lakh
      For individuals
      Min. Age
      3 months
      Max. Age
      65 Years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 10 lakh
      Min. Age
      5 years
      Max. Age
      80 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 10 crore
      Plan name
      ManipalCigna ProHealth Cash Plan
      For hospital Daily cash
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 500 per day
      Max. Coverage
      ₹ 5000 per day
      For individuals
      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 25 lakh
      Min. Age
      18 years
      Max. Age
      80 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 3 crore
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans
      ManipalCigna Health Insurance Plans in Detail:
      ManipalCigna ProHealth Prime Insurance Plan

      ManipalCigna ProHealth Prime Insurance is a complete healthcare insurance plan that covers everything from hospitalization to OPD expenses. The sum insured option ranges from Rs 3 lakh to Rs 1 crore under this plan.

      Features & 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
      Read more
      ManipalCigna ProHealth Insurance Plan

      The ManipalCigna ProHealth Insurance plan provides comprehensive medical coverage against a range of diseases while focusing on the overall wellness of the insured. The plan is available with a sum insured amount ranging from Rs 2.5 lakh to Rs 1 crore.

      Features & 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
      Read more
      ManipalCigna LifeTime Health Insurance Plan

      The ManipalCigna LifeTime Health Insurance plan covers medical expenses incurred within India as well as abroad with a sum insured ranging from Rs 50 lakh to Rs 3 crore. It also comes with Health+, Women+ and Global+ optional covers.

      Features & 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
      Read more
      ManipalCigna ProHealth Select Insurance Plan

      ManipalCigna ProHealth Select Insurance plan is a flexible plan that allows people to customize coverage as per their health needs. The plan is available for a sum insured amount ranging from Rs 50,000 to Rs 25 lakh.

      Features & 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
      Read more
      ManipalCigna Super Top Up Insurance Plan

      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. The plan comes with sum insured options ranging from Rs 1 lakh to Rs 30 lakh.

      Features & 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
      Read more
      ManipalCigna Lifestyle Protection Critical Care Plan

      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. The sum insured option ranges from Rs 1 lakh to Rs 25 crore under this plan.

      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
      Read more
      ManipalCigna Prime Senior Insurance Plan

      The ManipalCigna Prime Senior Insurance plan has been specially designed to cater to the health needs of senior citizens. The plan comes with sum insured options ranging from Rs 3 lakh to Rs 50 lakh.

      Features & 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
      Read more
      ManipalCigna Lifestyle Protection Accident Care Plan

      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 and comes with a sum insured of up to Rs 10 crore.

      Features & 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
      Read more
      ManipalCigna ProHealth Cash Plan

      The ManipalCigna ProHealth Cash plan pays a fixed daily cash benefit to the insured to cover ancillary expenses incurred during in-patient hospitalization. The sum insured under this plan ranges from Rs 500 to Rs 5000 per day.

      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
      Read more
      ManipalCigna Health 360 Rider

      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 & 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
      Read more
      View more plans

      Why Should You Buy ManipalCigna Health Insurance Plans?

      Here are some of the reasons why you should buy a ManipalCigna health insurance plan:

      • Any Room Category – Most of the plans come with any room category benefit that covers the cost of any hospital room as per the insured’s choice, be it a single private room or a suite.
      • Faster Claim Settlements – The ManipalCigna Health Insurance Company boasts of approving cashless claim requests in 90 minutes.
      • 24x7 Customer Assistance – The customer support team of the insurer is available for assistance round the clock.
      • Tax Benefits – Policyholders can avail tax benefits on the premium amount paid to buy or renew a ManipalCigna health insurance policy.

      How to File a Claim with a ManipalCigna Health Insurance Plan?

      The procedure to file a cashless claim under ManipalCigna health insurance plans is given below:

      1

      Inform the Insurance Company

      Report your emergency hospitalization at the TPA desk of your network hospital within 24 hours. In case of planned hospitalization, inform the TPA desk at least 48 hours in advance.

      2

      Display Your Documents

      The TPA will submit your documents and pre-authorization form to the insurer.

      3

      Request for Pre-authorization

      After careful assessment, the insurer will approve your cashless treatment at the hospital.

      4

      Get Cashless Treatment Approval

      The TPA will submit the hospital bill and other documents to the insurer after your discharge.

      5

      Claim Settlement

      The insurance company will pay the claim amount directly to the hospital.

      For reimbursement claims, you need to pay the entire hospital bill yourself while getting discharged from the hospital and then submit all the required documents to the insurance company. The insurer will verify your documents and transfer the claim amount to your bank account.

      Documents Required for ManipalCigna Health Insurance Claim

      Check out the list of documents to be submitted while raising a ManipalCigna health insurance reimbursement claim:

      • Duly filled and signed claim form
      • Copy of photo id or KYC documents
      • Original hospital discharge summary
      • Original main hospital bill with break-up bill
      • Original pharmacy bills
      • Invoices for implants, stents, lens stickers, etc.
      • Original investigation reports, such as MRI, CT scans, X-Ray, ECG, etc.
      • Doctor consultation letters/ reference slips
      • Operation theatre notes
      • Copy of PAN Card (if the claim amount is above Rs 1 lakh)
      • MLC/ FIR report (if applicable)
      • Original cancelled cheque with the policyholder’s name printed on it

      ManipalCigna Health Insurance Network Hospitals

      Customers of ManipalCigna Health Insurance Company can avail cashless treatment facilities at any of its network hospitals. Take a look at the city-wise list of ManipalCigna health insurance network hospitals below:

      How to Buy ManipalCigna Health Insurance Plans?

      Follow the steps given below to buy a ManipalCigna health insurance plan online:

      Step 1: Go to Policybazaar.com and click on the ‘health insurance’ icon

      Step 2: Select the people to be insured along with their age

      Step 3: Enter your basic details, including your name, city, phone number, and gender

      Step 4: Choose if you have a pre-existing illness or medical history

      Step 5: Select the ManipalCigna health insurance plan you want to purchase

      Step 6: Pick any add-ons if you want and pay the premium amount

      Step 7: The policy will be issued once the payment is received.

      How to Renew ManipalCigna Health Insurance Plans?

      Here is the procedure to renew your ManipalCigna health insurance policy online on Policybazaar.com:

      Step 1: On the homepage, go to the ‘Renew Your Policy’ tab on the menu bar

      Step 2: Select ‘Health Renewal’ from the dropdown menu

      Step 3: Enter your registered mobile number and OTP to log in to the account

      Step 4: First-time users can provide their details by clicking on the ‘health insurance’ icon on the homepage

      Step 5: Choose the ManipalCigna health insurance renewal plan

      Step 6: Pay the premium amount online

      Step 7: The insurer will renew your policy after they receive the payment.

      How to Calculate ManipalCigna Health Insurance Premium?

      The ManipalCigna health insurance premium can be calculated online through an insurance premium calculator by entering basic details like the city, policy sum insured, tenure, etc. Check out the following ManipalCigna health insurance premium calculator to estimate the premium of your health policy online.

      Contact Details of ManipalCigna Health Insurance

      Here are the contact details of ManipalCigna Health Insurance Company:

      Categories Contact Details
      Toll-free No 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

      View more FAQ’s
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      • 50,000 claims approved in last 15 months*
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      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      ManipalCigna Health Insurance Reviews & Ratings

      4.2 / 5 (Based on 67 Reviews)
      (Showing Newest 10 reviews)
      Sajjad
      Ichoda, March 09, 2021
      Great maternity plans
      I bought a health insurance plan for my wife who is expecting as it gives comprehensive care to pregnant women and also cover for the newborn baby. I would recommend you all to go it.
      Abhiraj
      Vadali, March 09, 2021
      Easy renew process
      I bought the manipal cigna health insurance plan with 2 year validity and I needed to renew that plan so I decided to do it from policybazaar and I must say it was so easy that it took me a few minutes to do it.
      Hitesh
      Maanikpur, March 09, 2021
      Covid 19 insurance is available
      It is a good idea to get yourself insured while going through this deadly pandemic. It is in your hands only and you can do it sitting at your home and insure your family’s health. I found it through policybazaar and bought Manipal Cigna Corona Kavach policy. Thanks team
      Pardeep
      Vadali, March 09, 2021
      Easy to explore
      I was looking for a health insurance plan online for my family. I went through many websites but they didn’t have everything at one place but then I came on to Policybazaar’s website and suddenly it was so easy to explore and I was even able to explore all kinds of health insurance policies at one place. Great work.
      Girish
      Baarod, March 09, 2021
      Quick Payment
      During lockdown I got Manipal Cigna health plan and even got my 4 months old child covered in the policy. I was able to make payment online for my Manipal Cigna Pro-health insurance policy online
      Pavan
      Padampur, March 04, 2021
      Multiple Cover
      I was so afraid, but your team gave me a health plan that covers almost all the diseases. I got tired and couldn’t find anything. But you saved my time and effort. You guys are awesome.
      Shailender
      R.k.nagar, March 01, 2021
      Best Critical Illness Plan
      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!
      Puneet
      Fakirpur, March 01, 2021
      Easy comparison on phone
      It is so easy to compare critical illness plans on my phone. It is only you guys who can make insurance purchase such an easy task.
      Gautam
      R.k.nagar, February 26, 2021
      Policy with Advantages
      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.
      Balendra
      Tajapur, February 26, 2021
      Wide coverage under Manipal Cigna Insurance
      I got the best health policy from Policybazaar. I compared Manipal Cigna plans coverage for life threatening diseases like kidney failure, heart ailments, tumor, cancer etc.
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