ManipalCigna Health Insurance

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ManipalCigna Health Insurance Company Limited is a company set up for exclusively addressing the health insurance sector needs. The Insurance Regulatory Development Authority of India (IRDA) registered health insurance company began its operations in February 2014. In 2018, Manipal Group came into collaboration with Cigna Corporation and TTK Group which is a leading company in delivering healthcare and advanced studies.

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Updated: 29-05-2024 10:02:20 AM

ManipalCigna Health Insurance

ManipalCigna Health Insurance Company Limited is a company set up for exclusively addressing the health insurance sector needs. The Insurance Regulatory Development Authority of India (IRDA) registered health insurance company began its operations in February 2014. In 2018, Manipal Group came into collaboration with Cigna Corporation and TTK Group which is a leading company in delivering healthcare and advanced studies.

The registered office of ManipalCigna Health Insurance Company is located in East Goregaon in Mumbai and the company has PAN Indian presence in 15 cities of the country. Its products are widely available throughout the country through its various agents and distributors.

Primary Features Of ManipalCigna Health Insurance

1. Variant Offers – It offers individual, family and corporate health insurance plans with comprehensive coverage.

2. Members Covered – It provides coverage to a maximum of 4 family members including 2 children and 2 adults.

3. Nil Room Expenses – It offers brownie points with zero sub-limits for room rent expenses.

4. Hospitalization Cover – Provides pre-hospitalization cover of 60 days and post-hospitalization cover of 180 days for medical expenditure only.

5. Free Medical Screeningn – Exclusive free health check-up for the individuals of 18 years and above once in an interval of 3 years.

6. Lifetime Renewal Policy – One can renew the policy anytime with no age limit assuring to provide financial support throughout life.

7. Pre-existing Illness – Conditions existing prior to purchase the policy are also covered under this after a waiting period of 4 years.

8. Co-Pay – It does not exist under this plan.

Benefits Of Manipal Cigna Health Insurance

  • ManipalCigna is a highest-ranking health insurer of India. It offers a range of perks to its customers to fulfill all the requirements to deal with health emergencies.
  • Waiting Period – Minimum waiting period as compared to other health insurance plans.
  • Sum Assured – Offers a satisfying sum assured ranges from Rs. 15 lakhs to Rs. 50 lakhs.
  • Discounts – Offers attractive discounts on family plans i.e. per 10% of the premium for plans more than 3 members.
  • Daycare Treatment – Provides daycare treatment benefit upto a certain limit within the sum insured.
  • Special Room Service – Offers private single room to the patients suffering from a health emergency.
  • Ambulance and Emergency – It offers emergency cover upto Rs. 10 lakhs and also ambulance costs.
  • Newborn Care – Expenses related to the newborn baby and the vaccination costs for the first year are also covered under the plan.
  • Tax Benefit – On purchase of this policy, insured can enjoy tax exemption benefits under the Section 80D of the Income Tax Act, 1961.

Why to Buy ManipalCigna Health Insurance?

  • Complete Healthguard – ManipalCigna aims to serve its customers a simple and lifelong approach towards health care, treatment facilities, and much more for a safe and sheltered life ahead by providing attractive perks in its health insurance plans and services.
  • Efficient Network – It acts as an ally for its clients during medical emergencies and to cure it with proper care. It associates with a broad number of hospitals and health care experts in order to provide excellent services like quality health check-ups, affordable treatments, additional benefits and security to the patients and their families.
  • Boost Your Savings – ManipalCigna Health Insurance policy offers a range of variants and products that helps in lifelong savings to wash away at the time of health necessities. It provides overall security to the policyholder in an economic way.
  • Wellness Coaching – Manipal Cigna organizes wellness health programs for its clients to stay fit and live a healthy life both physically and emotionally. In this way its engagement with the patients makes it more advantageous and classified among the best health insurance plans.

Manipal Cigna itself seems like a blessing for the customers through its appealing services offering a secure future to the insured for a healthy and enthusiastic life.

Types Of ManipalCigna Health Insurance Plan

  • As ManipalCigna is classified among the best policies in India, it offers a range of products for each and every basic requirement of the policyholder. Let’s look at its variants and different types of plans:
  • ManipalCigna ProHealth Plan – ManipalCigna ProHealth plan is for an individual as well as the whole family that offers substantial health cover features at premiums as low as Rs. 325 per month. Subscribers can save up to 30 % by availing the various discount features. It also includes cumulative non reduced No Claim Bonus benefit, free health check-ups and up to 10% reduction in premiums, worldwide cover, hospitalization and OPD expenses cover, mother and baby care cover, combined health insurance and savings feature, protective recuperation, proactive living, and much more. Variants inclusive of ProHealth Plus, ProHealth Preferred, ProHealth Premier, ProHealth Accumulate.
  • ManipalCigna Lifestyle Protection Critical Illness Cover Plan – This plan provides a vast cover across more than 10 lakhs equipped hospitals for 30 major critical illness all over the world. In addition, it also offers second opinion benefit and unique wellness module benefit. A fixed sum assured is payable after the diagnosis of critical illness or it can be distributed in sections depending on the situation. Under the basic and enhanced plan, a huge range of Sum assured options as sub-variants are also available.
  • ManipalCigna Lifestyle Protection Accident Care Plan – Inclusive of features such as accidental death and disability covers, comprehensive coverage, employment loss cover, financial assistance to child education, orphan benefit and various other types of coverage.
  • Life Protection Critical Care – This plan is an additional form of health insurance cover every individual and family. The plan pays a lump sum amount to the insured after being diagnosed with a critical illness. This plan provides a maximum insurance shield of Rs. 3 Crores to individuals and family members between the age group of 18 years and 65 years including self, spouse, dependent parents, dependent grandparents and dependent siblings (up to the age 25 years).
  • ProHealth Protect – This plan provides comprehensive health insurance cover ranging from Rs. 2.5 lakhs to Rs. 4.5 lakhs for adults above 18 years and children above 3 months. Few of the add-ons of this plan includes pre and post hospitalization charges, cover for daycare treatments, restoration benefit, No Claim Bonus benefit and much more. Also, comprises of Co-Payment (10% or 20%), deductions (Rs. 1 lakh-Rs. 3 lakhs), critical illness benefit.
  • ManipalCigna Hospital Cash Plan – Inclusive of special characteristics such as Hospital cash benefit up to Rs. 5,000 and double daily benefit at the time of hospitalization result from accident and triple daily benefit for ICU related procedures, worldwide coverage, one time recovery payment up to 5 times of daily cash benefit, personal care cover up to 50 % of daily cash benefit, different lump sum payment along with three sub-plan variant options available.
  • ProHealth Plus – The plan offers complete health insurance cover ranging from Rs. 4.5 lakhs and Rs. 10 lakhs for children above 3 months and adults above 18 years. Pre & post-hospitalization fees, insurance for daycare treatments, No Claim Bonus benefit, maternal coverage, medical screening are some of the benefits. Additional options like co-payment (10% or 20%), deductions (Rs. 1 lakh-Rs. 3 lakhs), discounts within the maternal waiting period, infection cover and much more are also available.
  • ManipalCigna Global Health Group Policy – The policy is recommended for corporates who can subscribe for umbrella global health policy for their employees who travel abroad. The product offers a choice of different sum assured amounts from a wide range of sum assured sub-plan variants. Benefits include AIDS/HIV cover, emergency evacuation cover, hospitalization, daily cash, OPD cover benefits besides basic health cover.
  • Pro Health Group Insurance Policy – This plan provide benefits to all group members under a single umbrella policy. Plan includes base cover features, enhanced cover features and optional cover features and has been made highly customized and flexible to take into consideration the needs of all group members.
  • ManipalCigna lifestyle protection group policy – Includes personal accident cover and critical illness cover under one policy for all members of a group like employees group of a company.

ManipalCigna Online Renewal Process

ManipalCigna Health Insurance Company has set up a complete online presence on the web through its company portal for the benefit and convenience of health insurance seekers. Policyholders can easily renew the policy online sitting at home.

Follow the below-mentioned steps to renew your policy online:

  • Visit the official website of ManipalCigna.
  • Then choose the ‘Renew Now’ section from the tabs provided in the webpage.
  • Enter the ‘policy number’.
  • Pay online using different modes of online payment.
  • Success! Your policy will be renewed.

*Note: If the policyholder makes the payment prior to the official due date, the policy will be treated as a new policy from the close date of the earlier one.

Achievements: ManipalCigna

Within a short span of 3 years the health insurance company has firmly established itself as an Indian and global quality health insurance service provider. Manipal Cigna is an ISO 9001:2008 certified company having over 4000 PAN India network hospitals for providing emergency care to its policyholders and policy members.

Manipal Cigna is now among the Fortune 500 companies and its global customer base is over 74.98 million and it earns yearly revenue of $29.1 billion from its sales operations in more than 30 countries across the globe. The company staffs over 35000 people to provide round the clock assistance to its customers.

The Economic Times Best Promising Brands Awards

In 2015, ManipalCigna achieved the Economic Times Best Promising Brands Awards for its achievements. The award entitled to the “most precisely established brand value, innovation, customer experience and support, quality and delivering excellent services”.

Exclusions: ManipalCigna Health Insurance

Manipal Cigna health insurance plan has some exclusions. Specifically, in critical illness policy. Let us look at the following:

  • Diseases which are not listed in the inclusions of critical illness plan.
  • Claims related to suicide, intoxication and drug abuse.
  • Abnormal mental health and related problems.
  • The deprivation caused during childbirth or pregnancy.
  • Sexually transmitted diseases (STDs) like HIV AIDs and related complexities.
  • Pre-existing illnesses (diseases diagnosed prior to purchase of the policy) are not covered under the plan.
  • Any disease that is caused due to the result of a disease which is not covered under the plan.

Documents Required for Claim Settlement

Visit the website of ManipalCigna and download the claim form.

Fill in the details required and attach the documents as follows:

  • ID Proof: Voter ID, Adhaar card, PAN card, etc. with your photo.
  • Medical proof: medical Reports like tests and consultations provided during treatment from the hospital.
  • Hospital bills: keep the original medical Bills and receipts carefully, without these the insurance company will not accept any claim.
  • Discharge synopsis collected during the discharge of the patient is also required.
  • Original medicine bills and receipts.

ManipalCigna Claim Settlement Process

ManipalCigna has an established claim settlement procedure to take care of the claims in a smooth and feasible way. There exists primarily two types of claim settlement processes.

Cashless Claims Reimbursement Claims
Insurance companies comprise of a chain of network hospitals in every area. To get the cashless claims, you need to opt for the treatment in a network hospital only. To avail reimbursement claim services, you need to pay the bills for the treatment on your own, post-treatment you are required to file a claim to reimburse the expenses.
To enjoy the services you need to get approval according to the rules and regulations of the policy. For this process, submission of medical bills, prescriptions, discharge receipt is required to the insurance company.

Pre-Approval procedure for cashless claims:

  • Collect and fill in the pre-approval form from the insurance company.
  • Send the form through e-mail/FAX to the company
  • If the company approves the claim then they will surely inform you or the particular hospital before dispersing the amount.
  • And, if the approval gets rejected by the company, continue with treatment along with an approach for the claim of reimbursement.

Documents submission for reimbursement claims:

  • You need to collect the reimbursement claim form from the insurance company.
  • Fill in the form inclusive of all the necessary documents needs to be submitted.
  • The insurance company will send the authorization letter if they find all the details are valid and true. They can even ask a few questions for which the individual shall be required to answer them with valid proofs
  • If the approval gets rejected by the company, they will declare the justification and provide a proper explanation to you and the hospital.

Expert Advice: It is advisable to the policyholders to always carry their policy cards, other relevant documents and details along with them to avail quick assistance during emergencies.

It is important to indicate the insurance company within 24 hrs of hospitalization. If the hospitalization is planned earlier then inform the company before 48 hrs of admission in the hospital.

Contact ManipalCigna at:-

Toll-free number: 1800-102-4462

E-mail: [email protected]

Network Hospitals

One of the most crucial tasks is to note down the ManipalCigna’s network hospitals. There are more than 4000+ network hospitals are available worldwide. The network hospitals are meant to provide cashless facility to the insured all over India. Visit the official website of the insurance company and choose the city & state in the list provided on the website and check the network hospitals with the contact details. Note down the information and details of the hospitals available in your network to utilize them for emergencies.

ManipalCigna Premium Calculation

The website offers easy navigability and latest web-based features to web users. Individuals can seek information regarding all the business aspects of the company as well as complete product information. The website also provides health-related guidance and counseling along with a web online tool known as the ‘health insurance premium calculator’. Web users and customers can seek premium information online.

Follow these 5 steps to calculate your premium online:

  • Go to the ‘premium calculator’ section in the official website of ManipalCigna.
  • Fill the no. of person(s) for the insurance policy.
  • Provide the basic details along with the insurance amount you require for the policy.
  • Click ‘continue’ and you will get the details of the premium.
  • Check the details carefully and you are good to go to purchase the policy by making the online payment.

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There are several features of this plan that will help you to make this plan your preferable choice.

  • Covers 15 important illnesses under the primary plan.
  • Covers 30 important ailments under other suitable plans.
  • Extensive range of Sum Insured alternatives.
  • Medical second Opinion from experts.
  • Customized on-line healthcare packages.
  • Lump Sum or Staggered claim Payout alternative.

The cover should be taken by individuals who travel to foreign destinations regularly. It provides coverage to Indian citizens and expatriates operating overseas under one umbrella.

You can get the complete list of network hospitals from the official website of ManipalCigna.

No, there is no certain limit for claiming benefits, the sum assured will remain same and the coverage will continue for the existing policy term.