Manipal Cigna Health Insurance Company Limited

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Manipal Cigna Health Insurance Company is a standalone health insurance company that is a joint venture between Manipal Group of Companies and Cigna Corporation. A global company offering healthcare services, Cigna Corporation is spread over 30 countries, and Manipal Group is a prominent healthcare organisation in India, which is also a leading high education provider. With the expertise and experience of such remarkable groups, Manipal Cigna Health Insurance Company is providing its customers with an array of health insurance products that include:

  1. Manipal Cigna Health Insurance Plans
    • Indemnity Plans
    • Fixed Benefit Plans
  2. Manipal Cigna Personal Accident Plans
  3. Manipal Cigna Group Health and Travel Plans
  4. Manipal Cigna Standard Health Insurance Plans

Let us take a look at the features that make Manipal Cigna Health Insurance company so popular:

  • The variety of health insurance policies that are offered by the company set them apart from its counterparts  
  • There are over 4,500 hospitals in the network of the company where customers can avail the facility of cashless hospitalisation
  • The company has settled claims worth over INR 621 crores
  • About 97% of cashless approvals are settled in less than 2 hours
  • The company has serviced over 90,491 claims internationally
  • Under its Rewards programme, the company has over 54,000 happy customers

Given below is a list of all the heat insurance plans that are offered by Manipal Cigna Health Insurance Company

A.  Manipal Cigna Health Insurance Plans 

Type of Insurance Main Features of the Insurance Plan

Manipal Cigna ProHealth Insurance


 

  • Comprehensive hospitalisation plan for you and your family
  • Sum Insured from INR 2.5 lakhs to INR 1 crore
  • Premium discounts with Healthy Reward Points
  • Guaranteed Cumulative Bonus up to 200%
  • Tax benefits under Section 80D of the Income Tax Act
  • Variants: Protect/ Plus/ Preferred/ Premier/ Accumulate
    • ProHealth Protect-Sum Insured INR 2.5 lakhs to INR 50 lakhs, Approx Base Premium- INR 10,535 per year
    • ProHealth Plus- Sum Insured INR 4.5 lakhs to INR 50 lakhs, Approx Base Premium- INR 16,072 per year
    • ProHealth Preferred-Sum Insured INR 15 lakhs to INR 50 lakhs, Approx Base Premium- INR 41,318 per year
    • ProHealth Premier-Sum Insured INR 1 crore, Approx Base Premium- INR 66,180 per year
    • ProHealth Accumulate-Sum Insured INR 5.5 lakhs to INR 50 lakhs, Approx Base Premium- INR 19,193 per year
Manipal Cigna ProHealth Select 
  • A customised health insurance plan as per your insurance needs
  • Cashless hospitalisation in over 6,500 hospitals
  • ProHealth Select A 
    • Sum Insured INR 50,000 to INR 25 lakhs
    • Reassurance Benefit
    • Income Tax benefits up to INR 1 lakh
  • ProHealth Select B 
    • Sum Insured INR 2 lakhs to INR 25 lakhs
    • Reassurance Benefit
    • Income Tax benefits up to INR 1 lakh
Manipal Cigna Super Top-Up
  • Provides your insurance cover with an added boost
  • Sum Insured from INR 1 lakh to INR 30 lakhs
  • Guaranteed Cumulative Bonus
  • Option to pick room category
  • Covers day-care procedures
  • Super Top-up Plus
    • Sum Insured- INR 3 lakhs to INR 30 lakhs
    • Approx Base Premium- INR 1,770 per year
  • Super Top-up Select
    • Sum Insured- INR 1 lakh to INR 30 lakhs
    • Approx Base Premium- INR 2,041 per year
Manipal Cigna ProHealth Cash
  • Daily cash plan to cover hospital expenses
  • Covers up to 180 days per policy year
  • Sum insured INR 500 to INR 5,000 per day
  • ProHealth Cash Enhanced
    • Convalescence Benefit
    • Compassionate benefit
  • ProHealth Cash-Basic
    • Accidental cash Benefit
    • ICU cash benefit
    • Sickness Hospital Cash Benefit
Manipal Cigna Lifestyle Protection Accident Care
  • Covers against accidental death and disability
  • Offers security on and off the job
  • Lump-sum payout
  • Funeral expenses covered
  • Variants- Basic/ Comprehensive/ Enhanced
    • Basic Plan-Sum Insured INR 50,000 to INR 10 crore, Approx Base Premium- INR 1,086 per year
    • Comprehensive Plan-Sum Insured INR 50,000 to INR 10 crore, Approx Base Premium- INR 2,089 per year
    • Enhanced Plan-Sum Insured INR 50,000 to INR 10 crore, Approx Base Premium- INR 1,912 per year
Manipal Cigna Lifestyle Protection Critical Care
  • Offers health cover against life-altering critical illnesses
  • Payout of the sum insured on the first diagnosis of mentioned illness
  • Option to choose lump-sum or staggered payout options
  • Covers 15 to 30 illnesses
  • Variants- Basic/ Enhanced
    • Basic Plan-Sum Insured INR 1 lakh to INR 25 crore, Approx Base Premium- INR 2,915 per year
    • Enhanced Plan-Sum Insured INR 1 lakh to INR 25 crore, Approx Base Premium- INR 3,776 per year
Manipal Cigna ProHealth Cash
  • The plan offers additional coverage features to enhance the scope of the plan
  • The policyholder can opt fora fixed-benefit  between INR 500 and INR 5,000
  • Entry Age 
    • For Adults- 18 - 65 years
    • For Children -91 days - 17 years
  • No pre-policy medical test required up to 45 years of age

B.  Manipal Cigna Group Insurance Plans

Manipal Cigna also offers group insurance plans that offer health coverage to a group of people under a single insurance policy. Generally, these plans are opted by companies and organisations who provide a health cover to their employees/members. Let us see the different plans offered by the company: 

Manipal Cigna Group Insurance Plans: 
  • Manipal Cigna ProHealth Group Insurance
  • Manipal Cigna Global Health Group Insurance
  • Manipal Cigna Lifestyle Protection Group Insurance
  • Manipal Cigna Group Overseas Travel  Insurance
  • Manipal Cigna Flexicare Group Insurance

C. Standard Health Insurance Policies
Under the guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), insurance companies offer certain standardised insurance products that take care of the basic insurance needs of the customers. Manipal Cigna also offers the following: 

Aarogya Sanjeevani
  • Standard health insurance plan
  • Sum insured up to INR 5 lakhs
  • Covers allopathic and AYUSH Treatments
  • Includes Modern & Advanced treatments
Corona Kavach
  • Standard health insurance plan for treatment of COVID-19
  • Sum insured up to INR 5 lakhs
  • Hospital and home care treatment cost covered up to sum insured
  • Special discount for health care workers
  • Option to opt for Hospital Daily Cash
Corona Rakshak
  • Standard benefit-based health insurance plan for treatment of COVID-19
  • Sum insured from INR 50,000 to INR 2.5 lakhs
  • Offers lump sum benefit
  • No pre-policy medical test required

Manipal Cigna Health Insurance Company Premium Payment Process

When you invest in a health insurance policy it is very important that you pay all the premiums regularly and timely. Manipal Cigna offers easy and simple ways to pay your premiums, you can follow any of the following ways:

  1. Online Method
    When you want to pay the premium online, you can visit the official website and go to ‘Make Payment’. Alternatively, you may click https://buyonline.manipalcigna.com/buy-health-insurance/makepayment. You would have to select between New Application/ Renewal and enter other details such as Payment For, Proposal Number and the Amount. You can then make the payment through an electronic mode. 

     
  2. Offline Method
    You can also make the payment of premium by physically visiting the nearest Manipal Cigna branch office and making the payment in person. Keep in mind that the premiums will be accepted through cheque/ Demand Draft or an electronic medium. To locate a branch nearby click https://www.manipalcigna.com/contact-us

Manipal Cigna Health Insurance Company Policy Renewal Process

  1. Online Method
    Renewing the premium online is a simple process that takes only a few minutes. You can visit the official website and go to ‘Make Payment’ or just click https://buyonline.manipalcigna.com/buy-health-insurance/renew. Enter your Application number and follow the instructions carefully. You can pay the premium online through Credit cards/ Debit cards/ Net banking or UPI Payments.
     
  2. Offline Method
    The renewal of your policy can also be done offline. You can make the payment of the premium by physically visiting the nearest Manipal Cigna branch office. You can take the help of an executive to complete the renewal related paperwork. The payment can be made through cheque/ demand draft/ credit or debit card.
    If you want, you can make the payment through a trusted company agent. 

Manipal Cigna Health Insurance Company - Renewal of Expired Policy


Once your health insurance policy reaches its expiry date, it enters that grace period. The grace period is a 30-day period, during which you must renew the policy. If due to certain compulsions you were unable to renew your policy, and it has now expired, you can get in touch with the customer care or your advisor for the renewal. 

Manipal Cigna Health Insurance Company Claim Process

A hospitalisation may be a planned hospitalisation or an emergency hospitalisation, irrespective of this you can make a claim. There are some simple procedures that need to be followed. The first one being notifying the company about the same. In case of planned hospitalisation, you must notify the company at least 48 hours prior to admission in the hospital, and in case of an emergency hospitalisation within the first 24 hours of the admission.  You can call the toll-free number 1800 419 1159 or send an email to cigna@mediassistindia.com to intimate the claim.

  1. Manipal Cigna Cashless Claims
    At a network hospital, you have the benefit of availing cashless treatment. At the time of admission, you need to submit the claim form along with the relevant medical documents. After the assessment by the company and the TPA, an approval will be given for your treatment to begin. The final bill will be settled by the company. Keep it in mind that you would have to pay the uncovered expenses from your own pocket.

    To locate a network hospital click: https://www.manipalcigna.com/home?_ga=2.112241927.2065593684.1607482213-865939865.1600662205&_gac=1.28291150.1607482213.Cj0KCQiA5bz-BRD-ARIsABjT4nhTHKKP0Eeb8dbSEyGNSyy9ONU6dhtorrkMTJTLAT8zPxJun1jLxPcaAllREALw_wcB#locator 
     
  2. Manipal Cigna Reimbursement Claims
    If you visit a non-network hospital, you would not be able to avail the cashless treatment facility, however, you can get the expenditure reimbursed. A reimbursement claim means that you pay for the hospitalisation upfront, and post hospitalisation you get the amount reimbursed by the company. 
    For reimbursement, you first need to download the claim form and arrange all the documents. The documents must then be submitted at a Manipal Cigna branch for the processing. Post verification of documents, the reimbursement amount will be transferred to your savings account.   

Manipal Cigna Health Insurance Company Profile

Manipal Cigna Health Insurance company has offered its customers various benefits that make it one of the most trusted health insurance providers in the country. Mentioned below are a few highlights of the company:

  1. Manipal Cigna Health Insurance Company has its offices in 15 prominent cities of the country
  2. Economic Times awarded the company with the Best Promising Brand in the year 2015 
  3. ProHealth Insurance was voted ‘Product of the Year 2019’
  4. ‘Best Health Insurance Company of the Year Award, 2019’ by India Insurance Summit
  5. The company also received ‘Red Hat Innovation Awards 2020 for Digital Transformation’

Manipal Cigna Health Insurance Company Limited-Customer Care Details

Official Websitehttps://www.manipalcigna.com 
Email IDcustomercare@manipalcigna.com 
Phone Number+91 22 4985 4100
Toll-Free Number1800-102-4462
Registered Office

ManipalCigna Health Insurance Limited,

401/402, Raheja Titanium,

Western Express Highway,

Goregaon(East), Mumbai - 400 063.

Manipal Cigna Health Insurance Company FAQs
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