ManipalCigna Health Insurance Company Ltd is one of the best standalone health insurance companies in the insurance industry. It is formerly known as CignaTTK Health Insurance Company Limited which is a joint venture between Cigna Corporation; a 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. The cost of ManipalCigna health insurance varies depending on the type of policy that you choose to buy.
ManipalCigna Health insurance company offers an array of health insurance plans such as individual insurance, family floater, critical illness, personal accident, group mediclaims, super top-up, cash policy, and overseas travel cover to meet diverse medical needs. ManipalCigna Health Insurance Company has comprehensive coverage for you and your family and is committed to delivering health, wellness, and peace of mind to its customers by providing easy access to quality healthcare without experiencing any financial crisis.
Why ManipalCigna Health Insurance?
- Claim Settlement Ratio: Claim settlement ratio for an insurance company is the time taken for settling the claims or the Claim settlement Time. Claim settlement time should be less which means that the nominee of the policyholder receives the claim amount within a short period. The ManipalCigna Health Insurance featured a Claim Settlement Ratio of 85.72% in the financial year 2019-2020.
- Solvency Ratio: A Solvency Ratio of the company plays a significant role in assessing the company's ability to meet its long-term financial obligations. As per IRDAI Report, the solvency ratio of ManipalCigna Health Insurance Company is 1.82 in the FY 2019-2020.
- Trust ensured: ManipalCigna's health insurance policy is trusted by millions of people across India. ManipalCigna health insurance tries hard to make insurance easier, more affordable.
- Support Assistance: ManipalCigna health insurance company gives 24/7 support assistance to avoid any discrepancies. Reach ManipalCigna health insurance Customer Care Service Number: 1800 102 4462.
- Wellness Programs: A variety of wellness programs and services are offered to help policyholders live a healthier life to the fullest. ManipalCigna Health Insurance is dedicated to providing health, well-being, and peace of mind to its customers.
- Worldwide Emergency Cover: The insurance provider understands that injuries or illnesses can happen anytime and anywhere. Hence, a worldwide emergency cover is offered to cover the medical costs that may arise due to an injury or illness outside the country.
- Awarded Health Insurance Company: The ManipalCigna Health Insurance Company is a recognized health insurance company that has been awarded as ‘The Best Health Insurance Company of the Year’ at the India Insurance Summit Awards 2019.
ManipalCigna Health Insurance Plans:
1. ManipalCigna Lifetime Health Insurance
A lifetime health insurance plan provides comprehensive coverage and lasts for a lifetime. It offers 3 policy options for individuals, families, and multi individuals.
Eligibility Criteria:
- Age: Minimum: 91 days and maximum:65 years
- Sum Insured: Rs.50 Lacs to 3 Crores
- Policy Term: 1, 2,3 years
- Policy Payment Mode: Monthly, Quarterly, Half-yearly, Yearly
Key Features and Benefits:
- Plan Options: You can choose 2 plan options for a lifetime health insurance plan such as LifeTime Health India Plan, LifeTime Global Plan
- Critical Illness cover: 27 listed major illnesses are covered under this plan
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 180 days
- In-patient Hospitalisation: Up to sum insured 3 lakhs, 4 lakhs
- Day Care Treatment: Covered up to Sum Insured
- Domiciliary Hospitalisation: Covered up to Sum Insured
- Road Ambulance Cover: Covered up to actual expenses in-network hospitals, Reimbursed up to Rs.5000/- per hospitalization for non-network hospitals.
- Organ Donor Expenses: Covered up to Sum Insured
- AYUSH treatment Cover Covered up to Sum Insured
- Obesity Treatment: Covered up to Sum Insured
2. ManipalCigna ProHealth Insurance
ManipalCigna Prohealth insurance provides comprehensive coverage in case of a medical emergency. It offers multiple benefits to individuals and families through its basic value and optional covers.
Eligibility Criteria:
- Age: Minimum: 91 days and maximum: No limit
- Sum Insured: Rs.2.5 Lacs to 50 Lakhs
- Policy Term: 1, 2,3 years
- Policy Payment Mode: Monthly, Quarterly, Half-yearly, Yearly
Key Features and Benefits:
- Plan Options: It offers 5 variants such as Protect, Plus, Preferred, Premier and Accumulate
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 90 days
- Hospitalization Cover: Rs. 2.5 Lacs to Rs. 50 Lacs
- In-patient Hospitalisation: Up to sum insured 3 lakhs, 4 lakhs
- Day Care Treatment: Covered up to Sum Insured
- Domiciliary Hospitalisation: Covered up to Sum Insured
- Organ Donor Expenses: Covered up to Sum Insured
- AYUSH treatment Cover Covered up to Sum Insured
- Ambulance expenses: up to Rs. 2000 per event
- Cumulative Bonus: Guaranteed 5%, Max - 200% of SI
- Out-Patient Expenses: Covered
3. ManipalCigna ProHealth Select
ManipalCigna Prohealth select insurance plan is a customized plan. In this plan, you can customize your insurance plan as per your requirement.
Eligibility Criteria:
- Age: Minimum: 91 days and maximum: No limit
- Sum Insured: Rs 0.5 Lacs to 25 Lakhs
- Policy Term: 1, 2,3 years
- Policy Payment Mode: Monthly, Quarterly, Half-yearly, Yearly
Key Features and Benefits:
- Plan Options: It offers 5 variants such as Protect, Plus, Preferred, Premier and Accumulate
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 90 days
- Hospitalization Cover: Rs. 2.5 Lacs to Rs. 50 Lacs
- In-patient Hospitalisation: Room rent up to Rs. 3000 or ICU up to Rs. 7000
- Day Care Treatment: Covered up to Sum Insured
- Domiciliary Hospitalisation: Covered up to Sum Insured
- Organ Donor Expenses: Covered up to Sum Insured
- AYUSH treatment Cover Covered up to Sum Insured
- Ambulance expenses: up to Rs. 2000 per event
- Cumulative Bonus: Guaranteed 5% each year, Max up to 100%
4. ManipalCigna Super Top Up
Super Top Up health insurance plan is an additional coverage plan it offers two plans such as
- ManipalCigna Super Top Up Plus
- ManipalCigna Super Top Up Select
| Parameter |
ManipalCigna Super Top Up Plus |
ManipalCigna Super Top Up Plus |
| Age |
Minimum 91 days to Maximum No limit |
Minimum 91 days to Maximum No limit |
| Sum Insured |
3 Lacs to 30 Lacs |
1 Lac to 30 Lacs |
| Policy Period |
1,2,3 years |
1,2,3 years |
| Coverage Type |
Individual, Family Floater |
Individual, Family Floater |
| Policy Payment Mode |
Single, Annual, Half-yearly, Quarterly, Monthly |
Single, Annual, Half-yearly, Quarterly, Monthly |
| In-patient Hospitalization |
Covered |
Covered |
| Pre-Hospitalization |
Covered |
Covered |
| Post -Hospitalization |
Covered |
Covered |
| Ayush Treatment |
Covered |
Covered |
| Day Care treatment |
Covered |
Covered |
| Non – medical expenses Cover |
Covered |
Covered |
| Road Ambulance Cover |
Covered |
Covered |
| Donor Expenses |
Covered |
Covered |
| Guaranteed Cumulative Bonus |
Covered |
Covered |
5. ManipalCigna Arogya Sanjeevani Plan
Arogya Sanjeevani Plan health insurance plan is an affordable health insurance plan; it is designed to provide much-needed financial backup at times of medical emergencies.
Eligibility Criteria:
- Age: Minimum: 91 days and maximum: 65 years
- Sum Insured: Up to 10 Lacs
- Policy Term: 1 year
- Policy Payment Mode: Monthly, Quarterly, Half-yearly, Yearly
Key Features and Benefits:
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 90 days
- Ambulance expenses: up to Rs. 2000 per event
- Hospitalization Cover: Rs. 2.5 Lacs to Rs. 50 Lacs
- In-patient Hospitalisation: Room rent up to Rs. 5000 or ICU up to Rs. 7000
- Day Care Treatment: Covered up to Sum Insured
- Domiciliary Hospitalisation: Covered up to Sum Insured
- Organ Donor Expenses: Covered up to Sum Insured
- AYUSH treatment Cover Covered up to Sum Insured
- Cataract treatment: Covered
- Modern and Advanced treatments: Covered
- Dental Treatment necessitated due to illness/injury: Covered
6. ManipalCigna Corona Kavach Policy
ManipalCigna Corona Kavach Policy is also known as Covid standard health policy. It is designed to cover COVID-related hospitalization/home care treatment expenses.
Eligibility Criteria:
- Age: Minimum: 1 day and maximum: 65 years
- Sum Insured: Up to 10 Lacs
- Policy Term: Three and Half, Six and Half, Nine and Half years
- Policy Payment Mode: Single
- Coverage Type: Individual, Family Floater
Key Features and Benefits:
- Pre-hospitalisation: 10 days
- Post-hospitalisation: 30 days
- Ambulance expenses: up to Rs. 2000 per event
- Waiting Period: 15 days
- Covid Hospitalisation Cover: Covered
- Home Care Treatment Expenses: Covered
- AYUSH Treatment: Covered
- Optional Cover: Hospital Daily Cash: Covered
7. ManipalCigna Corona Rakshak Policy
ManipalCigna Corona Rakshak Policy is also known as Covid standard health policy. It is designed to provide a lump sum benefit equal to 100% of the Sum Insured on a positive diagnosis of Covid.
Eligibility Criteria:
- Age: Minimum: 18 years and maximum: 65 years
- Sum Insured: Up to 2.5 Lacs
- Policy Term: Three and Half, Six and Half, Nine and Half years
- Policy Payment Mode: Single
- Coverage Type: Individual
Key Features and Benefits:
- Waiting Period: 15 days
- Covid Hospitalisation Cover: Covered
- Renewal: Available
- Coverage: lump sum benefit equal to 100% of the Sum Insured
8. ManipalCigna LifeStyle Protection Plan
ManipalCigna Lifestyle Protection plan provides financial support to you and your family. This plan offers 3 options such as
- Accidental Care -Basic Plan
- Accidental Care -Enhanced Plan
- Accidental Care -Comprehensive Plan
Eligibility Criteria:
- Age: Minimum: 5 years and maximum: 80 years
- Sum Insured: 0.5 Lacs to 10 Crores
- Policy Term: 1,2,3 years
- Policy Payment Mode: Single, Annual, Half-yearly, Quarterly, Monthly
- Coverage Type: Individual, Family Floater
Key Features and Benefits:
| Parameter |
Accidental Care Basic Plan |
Accidental Care Enhanced Plan |
Accidental Care Comprehensive Plan |
| Accidental Death |
Covered |
Covered |
Covered |
| Permanent Total Disablement |
Not Covered |
Covered |
Covered |
| Permanent Partial Disablement |
Not Covered |
Not Covered |
Covered |
| Education Fund |
Not Covered |
Covered |
Covered |
| Emergency Ambulance Cover |
Covered |
Covered |
Covered |
| Funeral Expenses |
Covered |
Covered |
Covered |
| Loss Of Employment |
Not Covered |
Not Covered |
Covered |
| Orphan Benefit |
Not Covered |
Not Covered |
Covered |
9. ManipalCigna Saral Suraksha Bima Plan
Saral Suraksha Bima Plan Provides financial support to you and your family and offers a sense of security against unexpected expenses arising from death or serious injury caused by an accident.
Eligibility Criteria:
- Age: Minimum3 Months and maximum: 70 years
- Sum Insured: 2.5 Lacs to 1 Crore
- Policy Term: 1 year
- Policy Payment Mode: Annual, Half-yearly, Quarterly, Monthly
- Coverage Type: Individual, Family Floater
Key Features and Benefits:
- Accidental Death: 100% of Sum Insured
- Permanent Partial Disablement: Covered
- Permanent Total Disablement: 100% of Sum Insured
- Cumulative Bonus: 5% for each claim-free year
10. ManipalCigna LifeStyle Protection Critical Care Plan
LifeStyle Protection Critical Care Plan protects your financial health against life-changing critical illnesses. This plan covers 30 or 15 critical illnesses as per the plan. It offers two plan types
- Critical Care -Basic Plan
- Critical Care -Enhanced Plan
Eligibility Criteria:
- Age: Minimum18 years and maximum: 65 years
- Sum Insured: 1 Lac to 25 Crores
- Policy Term: 1,2,3 years
- Policy Payment Mode: Single, Annual, Half-yearly, Quarterly, Monthly
- Coverage Type: Individual, Family Floater
Key Features and Benefits:
| Parameter |
Critical Care -Basic Plan |
Critical Care -Enhanced Plan |
| Cancer Of Specified Severity |
Covered |
Covered |
| Myocardial Infarction |
Covered |
Covered |
| Open Chest Cabg |
Covered |
Covered |
| Open Heart Replacement Or Repair Of Heart Valves |
Covered |
Covered |
| Coma Of Specified Severity |
Covered |
Covered |
| Kidney Failure Requiring Regular Dialysis |
Covered |
Covered |
| Stroke Resulting In Permanent Symptoms |
Covered |
Covered |
| Major Organ / Bone Marrow Transplant |
Covered |
Covered |
| Permanent Paralysis Of Limbs |
Covered |
Covered |
| Motor Neuron Disease With Permanent Symptoms |
Covered |
Covered |
| Multiple Sclerosis With Persisting Symptoms |
Covered |
Covered |
| Primary (Idiopathic) Pulmonary Hypertension |
Covered |
Covered |
| Aorta Graft Surgery |
Covered |
Covered |
| Deafness |
Covered |
Covered |
| Loss Of Sight |
Covered |
Covered |
| Coronary Artery Disease |
Not Covered |
Covered |
| Aplastic Anaemia |
Not Covered |
Covered |
| End-Stage Lung Failure |
Not Covered |
Covered |
| End-Stage Liver Failure |
Not Covered |
Covered |
| Third Degree Burns |
Not Covered |
Covered |
| Fulminant Hepatitis |
Not Covered |
Covered |
| Alzheimer’s Disease |
Not Covered |
Covered |
| Bacterial Meningitis |
Not Covered |
Covered |
| Benign Brain Tumor |
Not Covered |
Covered |
| Apallic Syndrome |
Not Covered |
Covered |
| Parkinson's Disease |
Not Covered |
Covered |
| Medullary Cystic Disease |
Not Covered |
Covered |
| Muscular Dystrophy |
Not Covered |
Covered |
| Loss Of Speech |
Not Covered |
Covered |
| Systemic Lupus Erythematous |
Not Covered |
Covered |
11. ManipalCigna ProHealth Cash Plan
ProHealth Cash Plan is a hospital cash benefit plan where a fixed amount is paid per day basis in a lump sum during a hospitalization. This plan offers two plan types
- ProHealth -Basic Plan
- ProHealth -Enhanced Plan
Eligibility Criteria:
- Age: Minimum91 days and maximum: 65 years
- Sum Insured: 500 to 5000 per day
- Policy Term: 1,2,3 years
- Coverage Type: Individual
Key Features and Benefits:
- Sickness Hospital Cash Benefit: Covered
- Accident Hospital Cash Benefit: Covered
- ICU Cash Benefit: Covered
- Worldwide Cover: Covered
- Tax Benefit: Get Benefits Under section 80D of Income Tax Act 1961
12. ManipalCigna ProHealth Group Insurance Policy
ProHealth Group Insurance Policy is specially 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.
Eligibility Criteria:
- Age: No limit
- Sum Insured: 5000 to 1 Crore
- Policy Term: 1 year
- Coverage Type: Individual, Family Floater
- Policy Payment Mode: Single, Annual, Half-yearly, Quarterly, Monthly
- Group Size: 7 members
Key Features and Benefits:
- Inpatient Hospitalization: Covered
- Day Care: Covered
- Pre & Post Hospitalization: Covered
- Domiciliary Treatment: Covered
- Road Ambulance: Covered
- Donor Expenses: Covered
How to Buy ManipalCigna Health Insurance?
Buy ManipalCigna Health Insurance online at PolicyBachat. Compare Health Insurance Quotes to get the best Health Insurance plan. The following steps are used to get Instant Quotes for ManipalCigna Health Insurance Policy.
- Visit the Policybachat Website and Select the ‘Health’ tab.
- Select your ‘Gender’.
- Select ‘Who do you want to insure’ and their ‘Age’.
- Enter your ‘Pin code’.
- Enter your ‘Name’.
- Enter your ‘Email Address.
- Then click on ‘Start Saving Money’.
- Premium Quotes of top health insurance plans will be displayed as per data entered by you and which are suits your requirement.
- You can edit policy details, sum insured value, policy term and you can choose your preferred brand
- Purchase best health insurance policy using online payment
- If any queries are raised call: 1800-123-4003.
ManipalCigna Health Insurance Claim Process
ManipalCigna Claim settlement can be done in two different ways such as cashless claim and reimbursement claim.
ManipalCigna Health Insurance Cashless Claim Process:
The following steps are to get a cashless claim with ManipalCigna Health Insurance:
Step 1: Intimation
In case of planned hospitalization, inform about your admission to the hospital 3 days in advance by calling 1800-419-1159. In case of emergency, intimate the insurer within 24 hours of hospitalization by calling the same number.
Step 2: Identification
Show your ManipalCigna Health Insurance health card and valid photo ID at the insurance department or TPA desk of the hospital. Fill the cashless hospitalization request form and submit it.
Step 3: Documents Verification
ManipalCigna Health Insurance claim settlement team will examine the information and documents provided to them. If need any other document, they may contact the network hospital to get that.
Step 4: Claim Settlement
If the claim request gets approved, the insurance company will inform the hospital and you and your bills will be paid off after considering any co-payments, inadmissible expenses, or deductions.
ManipalCigna Health Insurance reimbursement Claim Process:
The following steps are to get a reimbursement claim with ManipalCigna Health Insurance:
Step 1: Intimation
In case of planned hospitalization, inform about your admission to the hospital 3 days in advance by calling 1800-419-1159. In case of emergency, intimate the insurer within 24 hours of hospitalization by calling the same number.
Step 2: Avail Medical Treatment
Avail medical treatment at the hospital and make the payment for hospital bills. Collect all the medical bills, test reports, discharge summary, and other relevant documents while getting discharged from the hospital to share with the insurance provider.
Step 3: Submit Claim Documents
Get the health insurance claim request form from the ManipalCigna Health Insurance website Duly fill and sign the form along with the required medical documents and send it to the corporate office or at the nearest branch of ManipalCigna Health Insurance within 15 days of discharge from the hospital.
Step 3: Documents Verification
ManipalCigna Health Insurance claim settlement team will examine the information and documents provided to them. If need any other documents, they may contact you.
Step 4: Claim Settlement
If the claim request gets approved, the insurance company will inform you and your bills will be paid off after considering any co-payments, inadmissible expense, or deductions.