Exploring ManipalCigna Health Insurance and Claim Settlement

A well-known brand in the health insurance industry is ManipalCigna health insurance. This firm, which was formed through a partnership between Manipal Group and Cigna Corporation, offers a variety of cheap health insurance plans to satisfy the needs of people. The firm has revised its policy covers in light of technological improvements to provide consumers with high-quality services.

ManipalCigna health insurance has a network of more than 6,500 affiliated hospitals that offer customers cashless medical care. Family floater plans, personal accident covers, critical sickness plans, group mediclaims, top-up plans, and many other types of policies are among those provided by this Health Insurance. Let's examine some of ManipalCigna health insurance's fundamental characteristics: 

• It gives policyholders the option to renew their health insurance services for as long as necessary.
• It also includes COVID-19-specific covers for the public to aid in coping with the pandemic.

Key Features and Benefits of Manipal Cigna Health Insurance

ManipalCigna health insurance comes to your rescue by offering you seamless claim settlement experiences. The dedicated experts guide you through the claim settlement process. Here are its features.

• If a policyholder's health insurance policy's sum guaranteed is depleted as a result of successful claim settlements, the insurer's restoration benefit can be used to recover the entire amount.
• If customers are dissatisfied with the current services provided by the health insurance coverage, ManipalCigna health insurance gives them the choice to switch to a different policy with equivalent benefits.
• The organisation provides a global emergency cover to ensure that the policyholder is covered in all places.
• It gives consumers the option to enhance their sum insured by 10% for every claim-free year, up to 100%. It aids them in coping with the escalating costs of healthcare services.

ManipalCigna Health Insurance Claim Settlement Process

ManipalCigna Health Insurance follows a similar claim-handling procedure as other insurance providers. The organisation has invested in the latest technologies to enable seamless claims service around the clock.

Here, you may submit as many ManipalCigna health insurance claims as you choose, up to the maximum amount protected. There are 2 methods for submitting claims, both of which are listed below:

Process for Cashless Claim Settlement

You must receive medical care at a hospital that is on the ManipalCigna health insurance network hospital list to qualify for cashless treatment. Here are the 2 ways:

For a Planned Hospitalisation

• You need the insurer's consent to use the cashless facility for a planned hospitalisation.
• Fill out the claim form completely, including all necessary supporting documentation, and send it to the health insurance company to receive approval.
• As soon as your request for a cashless claim is authorised, notify the insurer 48 hours before your admission.

For an Unplanned Hospitalisation

• Get admitted to a network hospital of ManipalCigna Health Insurance and inform the insurer about your hospitalization as soon as possible. 
• Within 24 hours of admission, intimate ManipalCigna health insurance. Present a photo ID card and your health insurance card at the registration desk of the network hospital of your choice.
• The officials will verify your information and send the insurer a properly completed and signed pre-authorisation request form. After receiving the request, the insurer will approve it within 90 minutes, provided everything is smooth.
• The insurer will give the hospital an approval letter following the verification. Thereafter, the cashless medical care will start. The hospital's invoices would be paid directly by your ManipalCigna Health Insurance.

Process for Reimbursement Claim Settlement 

Any hospital of your choice will accept reimbursement claims, and the procedures are as follows:

• Obtain admission to any hospital of your choice and notify your insurance company of the hospitalisation.
• Obtain the necessary medical care, pay any outstanding debts, and at the time of discharge, gather all relevant paperwork, including prescriptions, receipts, and invoices.
• Send the insurance company the claim request form and all the collected documents.
• The sum assured under the policy will be transferred to your bank account when your health insurance claim request is approved and the supporting documentation is examined.

Key Features and Benefits of an Individual Health Plan

1. Individual Specific Coverage: It covers only individuals.
2. Enhanced Insurance Coverage: Based on the selected plan, it offers insurance coverage for the insured's pre-determined medical expenses.
3. Exclusive Sum Insured: An individual does not have to share his or her exclusive sum insured with anyone else.
4. Hospitalisation Coverage: It pays for the insured person's hospitalisation costs, including room rent, lab fees, doctor visits, and surgical costs, among other things.
5. Lifetime Renewal: It has the potential for lifetime renewal.
6. Tax Benefit: In accordance with Section 80D of the IT Act, it provides tax benefits.
7. Pre & Post Hospitalization Costs: It includes pre and post-hospitalisation expenses.
8. Critical Illness Coverage: It offers protection against serious illnesses.
9. Covers High Insurance Risks: It is the best option for people who are more exposed to health-related concerns.
10. No Maximum Age of Entry: There is no restriction on the minimum or maximum age for entry.

ManipalCigna Family Floater Health Insurance Plan

An yearly insurance premium for a family floater health insurance plan of ManipalCigna covers multiple family members under one health insurance plan. Multiple claims may be made, and the insured amount may be divided among family members if there are multiple illnesses.

Instead of purchasing individual health insurance for each member of the family, it is preferable to get a family floater health insurance plan and take advantage of all available insurance benefits. When you purchase ManipalCigna health insurance, your insurance company promises to pay for a specific set of predetermined medical costs based on the plan you select. Some policies provide medical insurance coverage for single people, while others provide it for families, groups, etc.

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