ManipalCigna was previously known as the Cigna TTK Health Insurance Company, and later on, it collaborated with Manipal Group and the name changed to ManipalCigna. It deals in health insurance plans and is one of the best health insurers in India. This company offers multiple health insurance plans that cover various types of health risks and hospitalisation expenses. Uncertainties or medical emergencies can knock on your door anytime, so it is better to be prepared. But before you buy or renew the ManipalCigna Health Insurance plan, make sure you examine some important points related to the policy.
Tips to Buy ManipalCigna Health Plans
Here are some tips that you must follow before you buy health insurance plan. Make sure you go through the points given below before you finalise any ManipalCigna health plan.
- There are multiple plans offered by ManipalCigna. Choose the plan according to your needs. You need to understand your requirements, compare health insurance plans offered by ManipalCigna and then opt for the plan that best suits your requirements.
- Opt for an optimal coverage amount, i.e. the sum insured of the plan that is sufficient for you and your family.
- Check the list of network hospitals that are mentioned on the official website of ManipalCigna so that you know which is your go-to hospital in case of an emergency where you can avail of cashless treatment.
- Preferably opt for plans without co-payment and sub-limits to enjoy the maximum benefits of the plan.
- Remember to fill the form yourself, declare all relevant information and disclose all pre-existing ailments before the policy inception so that there is no concern at the time of a claim.
Key Points to Remember While Renewing ManipalCigna Health Plans
Once you have bought a health insurance plan, remember the date for its renewal. There are some other key points as well that you must remember at the time of ManipalCigna health insurance plan renewal:
- Remember the last due date of the renewal and renew the policy before expiry to enjoy continuity benefits. In case your policy surpasses the grace period, your policy would lapse, then you would lose your no-claim bonus if any and also the waiting period time period.
- Also, once your policy lapses, the insurer might now allow you to revive the policy but at a higher premium. In such a case, you would have to undergo a pre-policy health check-up and then opt for a fresh health insurance policy.
- You can make online payments of ManipalCigna health plan premiums to renew your policy instantly.
- Inform the Insurer about any new illness at or before the time of renewal in order to avoid complications at the time of making health insurance claims.
- You can also increase the amount of sum insured at the time of renewal if you think the existing sum insured is not enough to indemnify the risks.
Features of ManipalCigna Health Insurance
- It is the second largest healthcare company in India.
- There are 27 hospitals owned by this company with 7600+ beds across 600+ cities.
- This company has made claims more than worth 1295 crores.
- It has 77 branches in India with 48000+ agents and 500+ distribution partners.
- More than 138000 claims have been settled by ManipalCigna.
- It has a high percentage of cashless settlements of 96% within 2 hours.
Types of ManipalCigna Health Insurance Plans
ManipalCigna offers various health plans, but here you can see the top 5 health insurance plans offered by this insurer. You must also explore the premiums, and the amount of Sum Insured offered in these plans.
| ManipalCigna Health Plans | Sum Insured | Features | Policy Details |
| ProHealth Prime Protect Plan | Minimum SI- INR 3 Lakhs Maximum SI- INR 1 Crore | Restoration of sum insured is unlimited Earn 20% of the base premium as a reward under the Wellness Program Cumulative bonus of 25% every year Covers non-medical expenses Annual health checkups | Minimum Age of Entry- 91 days for a child and 18 years for an adult Maximum Age of Entry- 25 years for a child under family floater health insurance plan and no limit for an adult Policy Tenure- 1 year, 2 years, and 3 years Premium Payment Frequency- One-time, half-yearly, quarterly, and monthly |
| Lifetime Health India Plan | Minimum SI- INR 50 Lakhs Maximum SI- INR 3 Crore | Hospitalization expenses cover Treatment for daycare cover Pre-hospitalization and Post-hospitalization cover AYUSH treatment cover Road ambulance cover HIV/AIDS and STD cover Cover for the surgery by cyber knife and robotic | Minimum Age of Entry- 91 days for a child and 18 years for an adult Maximum Age of Entry- 25 years for a child and 65 years for an adult Policy Tenure- 1 year, 2 years, and 3 years Premium Payment Frequency- One-time, annual, half-yearly, quarterly, and monthly |
| ProHealth Protect Health Plan | Minimum SI- INR 2.5 Lakhs
Maximum SI- INR 50 Lakhs | INR 1000 as the hospital daily cash Cumulative bonus of up to 200% Restoring sum insured in case of unrelated injury and illness Add-on cover for critical illnesses Wellness Programs and medical checkups | Minimum Age of Entry- 91 days for a child and 18 years for an adult Maximum Age of Entry- 23 years for a child under family floater plan and no limit for an adult Policy Tenure- 1 year, 2 years, and 3 years Premium Payment Frequency- One-time, annual, half-yearly, quarterly, and monthly |
| Pro Health Select A Plan | Minimum SI- INR 50,000 Maximum SI- INR 25 Lakhs | Long-term health insurance plan for up to 3 years AYUSH treatment benefits Restoration benefits Pre-hospitalization and Post-hospitalization cover INR 2000 as the ambulance cover | Minimum Age of Entry- 91 days for a child and 18 years for an adult Maximum Age of Entry- No limit Policy Tenure- 1 year, 2 years, and 3 years Premium Payment Frequency- One-time, annual, half-yearly, quarterly, and monthly |
| Pro Health Cash Basic Plan | Minimum SI- INR 500 Maximum SI- INR 5,000 | Cash benefit in case of hospitalization due to sickness/ accident ICU cash benefit Global coverage | Minimum Age of Entry- 91 days for a child and 18 years for an adult Maximum Age of Entry- 65 Years Policy Tenure- 1 year, 2 years, and 3 years |
Take Away
There are many important points that you must consider before finalising any online health insurance plan. There are a lot of clauses and terms and conditions that have to be read thoroughly present in the insurance brochures. On the other hand, all the ManipalCigna Health Insurance policies have brochures or prospectus in which you can read all about the health plan. Make sure you go through them before buying and renewing the health plan.
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