ManipalCigna Health Insurance

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About ManipalCigna Health Insurance 

Previously known as the CignaTTk Health Insurance Company Limited, ManipalCigna is a collaboration between Manipal Group, an Indian conglomerate, and Cigna Corporation, a renowned healthcare company with US roots. The insurance company has its headquarters in Mumbai and operates in more than 11 cities in the nation.

ManipalCigna Health Insurance has established itself as one of India's most renowned health insurers within a short period of time. The company offers a wide range of medical insurance policies for you to choose from.

This page will provide a detailed breakdown of ManipalCigna Health Insurance Policies.

ManipalCigna Health Insurance Key Highlights

Network HospitalsOver 6,500 
CoverageIn-patient hospitalization, pre and post-hospitalization, donor expenses, daycare procedures, etc.
Claims SettlementClaims worth 1295+ crore has been settled till date.
Claims Serviced Till Date4.59 Lakh
Number of Distribution Partners500+

Why Should You Buy a ManipalCigna Health Insurance Policy?

Manipal Health Insurance Company Limited is India's leading health insurance company with a large network of hospitals and service providers. This ensures that you get the best care for your injuries at an affordable cost. 

Here is a list of all the features that make ManipalCigna Health Insurance as popular as it is today:

  • Multiple policies tailored according to the needs of different customer bases.
  • Affordable Premiums
  • Comprehensive Coverage
  • 6500+ Network Hospitals

ManipalCigna Health Insurance Plans in Details

Finding the right health insurance for your family is super important. You want to know that you are covered in case something happens, and you are paying a lot less than you would otherwise. If you're looking for insurance coverage from ManipalCigna, here is a list of all the plans they offer based on your individual or family needs.

1. ProHealth Prime Plans

ManipalCigna ProHealth Prime policies are specially tailored for better coverage and better control at an affordable premium range. This is a comprehensive indemnity health insurance plan with 3 variants- Protect, Advantage and Active. This plan has the advantage of unlimited restoration of the sum insured even for related illnesses so that you never fall short of the coverage amount.


  • Any Room Hospitalisation Expenses
  • 60 days Pre-Hospitalisation Expenses
  • 180 days Post-Hospitalisation Expenses
  • 10% Sum Insured worth of Domiciliary Hospitalisation
  • Road Ambulance
  • Donor Expenses
  • Unlimited Sum Restoration
  • AYUSH Treatment
  • Air Ambulance up to a maximum limit of INR 10,00,000
  • Bariatric Surgery up to a maximum limit of INR 5,00,000
  • Daily cash in case of shared accommodation
  • Yearly Medical Check-up from first year onwards
  • Tele-consultation
  • Coverage Break allowed when travelling for a maximum limit of 30 days abroad. Discount offered on renewal.
  • Annual 25% Cumulative Bonus is guaranteed, up to a limit of 200% of the amount insured.
  • A premium waiver in case of critical illness or accidental death.
  • Wellness Program


  • ProHealth Prime Protect
Sum Insured AmountINR 3,00,000 – 1,00,00,000
Base Premium AmountINR 8,182 per annum
Waiting Period for pre-existing ailments
  • 36 months for sum insured under INR 5,00,000
  • 24 months for sum insured equal to or under INR 7,50,000

ProHealth Prime Advantage: This variant offers OPD coverage as well as wellness benefits.

Sum Insured AmountINR 5,00,000 – 1,00,00,000
Base Premium AmountINR 9,783 per annum
Waiting Period for pre-existing ailments
  • 36 months for sum insured under INR 5,00,000
  • 24 months for sum insured equal to or under INR 7,50,000

 ProHealth Prime Active: This plan is specially designed for people with Hypertension, Asthma, Dyslipidemia, Diabetes, and Obesity-related illness.

Sum Insured AmountINR 3,00,000 – 15,00,000
Base Premium Amount10,727 INR per annum
Waiting Period for pre-existing ailments
  • 90 days for Hypertension, Asthma, Dyslipidemia, Diabetes, Obesity-related illness.
  • 24 months for other conditions.
  • Super Top-Up Plans

Super Top-up policies are designed to provide you with an additional boost to keep your requirements in check. You would get coverage for only the amount over and above the deductible amount.


  • Regular Benefits
    • In-patient Hospitalisation
    • Post-Hospitalisation Expenses
    • Pre-Hospitalisation Expenses
    • Day Care Treatment
    • AYUSH Treatment
    • Non-Medical Expenses
    • Donor Expenses
    • Road Ambulance
  • Additional Benefits
    • Guaranteed Cumulative Bonus of 5% increase in the Sum Insured every year upto a maximum of 50%
  • Optional Benefit
    • After 5 years of continuous renewal, you have the option to select for a base plan with continued benefits of the waiting period
    • Option to reduce the waiting period for pre-existing ailments to 24 months for all members provided it is taken at the time of the policy inception.
    • Critical illness add-on coverage for 11 listed ailments.


  • Super Top-up Plus
Sum Insured AmountINR 3,00,000 – 30,00,000
Base Premium AmountINR 1,770 per annum
Deductible AmountINR 3,00,000 – 10,00,000
  • Super Top-up Select
Sum Insured AmountINR 3,00,000 – 30,00,000
Base Premium AmountINR 2,041 per annum
Deductible AmountINR 3,00,000 – 10,00,000

2. Lifetime Health Plans

Magna Cigna Lifetime Health policies offer you coverage for a lifetime as well as customisation options in times of need. This plan has 2 variants- one for India and another for global coverage.


  • Regular benefits:
    • Hospitalisation Expenses
    • Pre-hospitalisation Expenses up to 60 days
    • Post-hospitalisation Expenses up to 180 days
    • Day Care Treatment
    • AYUSH Treatment
    • Domiciliary Expenses
    • Donor Expenses
    • Annual Medical Check-up
  • Additional benefits:
    • CyberKnife and Robotic Surgery
    • AIDS and STD Treatment
    • Modern & Advanced Treatment
    • Mental Care
  • Special Benefits:
    • Unlimited sum insured restoration for all related as well as unrelated ailments
    • A premium waiver in case of disablement or death due to an accident.


  • Lifetime Health – India Plan
Sum Insured AmountINR 50,00,000 – 3,00,00,000
Base Premium AmountINR 17,942 per annum
Waiting Period for pre-existing ailments24 months

Lifetime Health – Global Plan: This plan has these additional benefits:

  1. Can be customised for cancer-only coverage
  2. No capping of room rent, including suite, for plans more than INR 3 crores
  3. 27 Major Illness Global Hospitalisation
  4. Global Ambulance Expenses
  5. Medical Evacuation
  6. Medical Repatriation
  7. Mortal Remains Repatriation
  8. Worldwide Travel Vaccination
  9. Chemotherapy
  10. Radiotherapy
  11. Addicental Hosipatlisation Cash
  12. Domestic Concierge Service
Sum Insured AmountINR 50,00,000 – 3,00,00,000
Base Premium AmountINR 23,111 per annum
Waiting Period for pre-existing ailments24 months
  • ProHealth Insurance Plans

ProHealth Insurance policies offer health insurance coverage for single as well as young couples at a very affordable rate. There are 5 variants such as Protect, Plus, Preferred, Premier and Accumulate.


  • Regular Benefits:
    • Hospitalisation Expenses
    • Pre-hospitalisation Expenses
    • Post-hospitalisation Expenses
    • Day Care Treatment
    • Ambulance Ride Expenses
    • Home hospitalisation benefits under Domiciliary Expenses
    • Donor Expenses
    • Emergency Cover Worldwide
    • Sum Insured Restoration
    • AYUSH Treatment
    • Health Maintenance
  • Additional Benefits:
    • Unlimited restoration of the sum insured for all unrelated ailments
    • There is a guaranteed inflation protection coverage which offers cumulative bonus booster option of upto 200%
    • Hospital cash upto INR 1000 per day
    • Critical illness Add-on Cover
    • Healthy Reward points which can provide a 20% discount in premium against HMB (Health Maintenance Benefit)
    • Worldwide emergency benefit.
  • Benefits in Plus, Premier and Preferred variants:
    • Maternity Cover:
      • Plus variant: INR 15,000 for normal deliveries and INR 25,000 for Caesarean  deliveries
      • Preferred variant: INR 50,000 for normal deliveries and INR 1,00,000 for Caesarean deliveries
      • Premier variant: INR 1,00,000 for normal deliveries and INR 2,00,000 for Caesarean deliveries
    • New Born Cover
    • Child First Year Vaccination
  • Optional Benefits:
    • Hospital Daily Cash (INR 1000 in Protect and Accumulate, INR 2000 in Plus and INR 3000 in Preferred and Premier variants)
    • Cumulative Bonus Booster option of 25% increase in the sum insured every year for all variants except Premier
    • Reduction in Maternity Waiting Period from 48 months to 24 months in Plus, Preferred and Premier options
    • To reduce the premium:
    • Deductible rider from INR 0.5 lakh to INR 10 lakhs in Accumulate, Plus and Protect variants
    • Voluntary co-pay option of 10-20% in Accumulate, Plus and Protect variants.


  • ProHealth Protect
Sum Insured AmountINR 2,50,000 – 50,00,000
Base Premium AmountINR 12,010.04 per annum
Waiting Period for pre-existing ailments48 months
  • ProHealth Plus gives access to high-end rooms, except suite and maternity benefits
Sum Insured AmountINR 4,50,000 – 50,00,000
Base Premium AmountINR 18,321.86 per annum
Waiting Period for pre-existing ailments36 months
  • ProHealth Preferred
Sum Insured AmountINR 15,00,000 – 50,00,000
Base Premium AmountINR 47,102.06 per annum
Waiting Period for pre-existing ailments24 months
  • ProHealth Premier
Sum Insured AmountINR 1,00,00,000
Base Premium AmountINR 75,445.66 per annum
Waiting Period for pre-existing ailments24 months
  • ProHealth Accumulate
Sum Insured AmountINR 5,50,000 – 50,00,000
Base Premium AmountINR 21,879.56 per annum
Waiting Period for pre-existing ailments36 months
  • ProHealth Select Plans

ManipalCigna ProHealth policies let you design and customise your own insurance plan according to your own needs with flexibility of choosing your sum insured and a reassurance option for premium waiver benefit. There are 2 variants- Select A and Select B.

Customisable benefits:

  • Customisable Sum Insured from INR 50,000 to INR 25 lakhs
  • Option to completely remove any limit on room rent or ICU
  • 100% sum insured restoration benefit
  • There is an additional sum insured provided for non-reducing cumulative bonus unless it has been utilised due to hospitalisation
  • Booster for Cumulative Bonus with 4 options
  • 10% premium discount as healthy rewards
  • Option to choose a top-up benefit provided the deductible is not more than the sum insured selected
  • A critical illness rider with 11 listed critical ailments covered can be opted for.

Base Coverage:

  • Hospitalisation Expenses
  • Pre-hospitalisation Expenses
  • Post-hospitalisation Expenses
  • Day Care Treatment
  • Ambulance Ride Expenses
  • Domiciliary Expenses
  • Donor Expenses
  • AYUSH Treatment


  • ProHealth Select A
Sum Insured AmountINR 50,000 – 25,00,000
Base Premium Amount-
Waiting Period for pre-existing ailments48 months
  • ProHealth Select B
Sum Insured AmountINR 2,00,000 – 25,00,000
Base Premium Amount
Waiting Period for pre-existing ailments48 months

3. Arogya Sanjeevani Policy

Arogya Sanjeevani insurance plan offers all-round healthcare coverage at low premium rates.


  • Hospitalisation Expenses
  • Pre-hospitalisation Expenses
  • Post-hospitalisation Expenses
  • AYUSH Treatment
  • Day Care Treatment
  • Road Ambulance Ride Expenses
  • Modern Treatments
  • Cumulative Bonus
  • Other Expenses
Sum Insured Amount< INR 10,00,000
Base Premium Amount-
Waiting Period-

4. COVID Plans

The coronavirus pandemic has been taken into consideration when designing ManipalCigna COVID Health Insurance coverage.


  • COVID Hospitalisation Expenses
  • Pre-hospitalisation Expenses
  • Post-hospitalisation Expenses
  • Road Ambulance
  • AYUSH Treatment
  • Home Care Treatment


  • Corona Kavach Policy: 
    This is a hospitalisation benefit plan for 3.5 months, 6.5 months and 9.5 months along with home care treatment coverage. This plan has Hospital Cash as additional coverage.
Sum Insured AmountUpto INR 50,00,000
Base Premium Amount-
Waiting Period for COVID hospitalisation15 days
  1. Corona Kavach Policy:
    This is a fixed benefit hospitalisation plan which provides 100% of the sum insured on a diagnosis of Covid-19 and a continuous hospitalisation of a minimum of 72 hours.
Sum Insured AmountINR 50,000 to INR 2,50,000 in multiples of INR 50,000
Base Premium Amount-
Waiting Period for COVID hospitalisation15 days

5. Lifestyle Protection Plans- Accidental Benefit

Lifestyle Protection policies ensure financial assistance and a safety net for a brighter tomorrow by offering total protection, both on and off the work, including death, disability, job loss, as well as financial security. This plan can be taken upto INR 10 crores.


  • Accidental Death
  • Ambulance Expenses
  • Funeral Expenses
  • Permanent Total Disablement (Enhanced and Comprehensive Coverage)
  • Education Fund (Enhanced and Comprehensive Coverage)
  • Permanent Partial Disablement (Comprehensive Coverage)
  • Orphan Pay-out  (Comprehensive Coverage)
  • Employment Loss (Comprehensive Coverage)
  • Global coverage
  • Coma benefit
  • Critical illness add-on


  • Accident Care – Basic Plan
Sum Insured AmountINR 50,000 – 10,00,00,000
Base Premium AmountINR 1,086 per annum
Waiting Period0 days
  • Accident Care – Enhanced Plan
Sum Insured AmountINR 50,000 – 10,00,00,000
Base Premium AmountINR 1,912 per annum
Waiting Period0 days
  • Accident Care – Comprehensive Plan
Sum Insured AmountINR 50,000 – 10,00,00,000
Base Premium AmountINR 2,089 per annum
Waiting Period0 days

6. Saral Suraksha Bima

Saral Suraksha Bima protects you and your household financially and provides a sense of assurance in the event of a fatality or serious injury due to an accident.


  • Accidental Death
  • Accident caused Disablement (Total or Partial)
  • Optional Benefits:
    1. Temporary and Total Disablement
    2. Grant for Education
    3. Accidental Hospitalisation Expenses
Sum Insured AmountINR 2,50,000 – 1,00,00,000
Base Premium AmountINR 625 per annum
Waiting Period-

7. Lifestyle Protection Critical Care Plans

These plans offer a significant financial safeguard against life-changing catastrophic diseases by providing you with the whole sum covered upon initial diagnosis of the designated sickness. This is a fixed benefit plan where the entire benefit is paid on diagnosis of the first critical illness. This plan covers 15 to 30 listed critical illnesses.


  • Specified Severity Cancer
  • Myocardial Infarction
  • Open Chest CABG
  • Specified Severity Coma
  • Open Heart Replacement
  • Heart Valves Treatment
  • Regular Dialysis due to Kidney Failure
  • Permanent Symptoms due to Stroke
  • Major Organ Transplant
  • Bone Marrow Transplant
  • Parmanent Limb Paralysis
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Aorta Graft Surgery
  • Primary Pulmonary Hypertension
  • Loss of Sight
  • Deafness
  • Aplastic Anaemia (Enhanced Plan)
  • Last Stage Liver Failure (Enhanced Plan)
  • Fulminant Hepatitis (Enhanced Plan)
  • Bacterial Meningitis (Enhanced Plan)
  • Apallic Syndrome (Enhanced Plan)
  • Medullary Cystic Disease (Enhanced Plan)
  • Loss of Speech (Enhanced Plan)
  • Systemic Lupus Erythematous (Enhanced Plan)
  • Muscular Dystrophy (Enhanced Plan)
  • Parkinsons (Enhanced Plan)
  • Benign Brain Tumour (Enhanced Plan)
  • Alzheimer’s Disease (Enhanced Plan)
  • Third Degree Burns (Enhanced Plan)
  • Coronary Artery DIsease (Enhanced Plan)


  • Critical Care Basic
Sum Insured AmountINR 1,00,000 - 25,00,00,000
Base Premium AmountINR 2,915 per annum
Waiting Period90 days
  • Critical Care Enhanced
Sum Insured AmountINR 1,00,000 - 25,00,00,000
Base Premium AmountINR 3,776 per annum
Waiting Period90 days

8. ProHealth Cash Plans

ManipalCigna ProHealth Cash policies help you to financially aid expenses of hospitalisation. This is a hospitalisation daily cash plan.


  • Sickness Hospitalisation Cash
  • Accident Hospitalisation Cash
  • ICU Cash
  • Worldwide Cover
  • Convalescence Benefit (Enhanced Plan)
  • Companion Benefit (Enhanced Plan)
  • Compassionate Benefit (Enhanced Plan)
  • Daycare Treatment (Comprehensive Plan)


  • ProHealth Cash - Basic
Sum Insured AmountINR 500 - 5000 per day of hospitalisation
Base Premium Amount-
Waiting Period48 months
  • ProHealth Cash - Enhanced
Sum Insured AmountINR 500 - 5000 per day of hospitalisation
Base Premium Amount-
Waiting Period48 months
  • Riders

Health360 Plans are add-on benefits that you can purchase to expand your base coverage in exchange for a small premium amount.


  • Health 360 - Shield
Sum Insured AmountAs per the underlying sum insured of the base plan
Base Premium AmountAs per the policy coverage
Waiting PeriodAs per the policy coverage
  • Health 360 - Advance
Sum Insured AmountAs per the underlying sum insured of the base plan
Base Premium AmountAs per the policy coverage
Waiting PeriodAs per the policy coverage
  • Health 360 - OPD:
    There are 3 package options in this rider:
    • Package 1 is for consultation only
    • Package 2 is for coverage for the prescribed drugs along with the consultation expenses
    • Package 3 is for diagnostic tests prescribed along with consultation and medicines.
Sum Insured AmountINR 5000 – 1,00,000
Base Premium AmountINR 1,761 per annum
Waiting Period0 days
  • Group Insurance Plans: Group plan premiums depend on the size of the group and the benefits opted for.


  • ProHealth Group Insurance for Sum Insured amount upto INR 1,00,00,000

  • In-patient Hospitalisation Expenses
  • Day Care Treatment
  • Pre-Hospitalisation Expenses
  • Post-Hospitalisation Expenses
  • Road Ambulance
  • Domiciliary Hospitalisation
  • Donor Expenses.

Global Health Group Insurance for Sum Insured amount upto INR 70,40,25,000


  • In-patient Hospitalisation Expenses
  • Day Care Treatment
  • Out-Patient Expenses
  • Ambulance Expenses.
  • LifeStyle Protection Group Insurance for Sum Insured amount upto INR 50,00,00,000


  • Accidental Death Benefit
  • Disablement Benefit.
  1. Group Overseas Travel Insurance for Sum Insured amount upto INR 50,00,000.


  • Healthcare Expenses
  • Insured Trip Extension
  • Trip Cancellation
  • Trip Interruption.
  • FlexiCare Group Insurance for Sum Insured amount upto INR 5,00,00,000


  • Accidental Hospitalisation
  • Accidental Death
  • Air Ambulance Cover
  • AYUSH Treatment
  • Broken Bones Cover
  • Accidental Home Care
  • Accidental Coma
  • Accidental Complimentary Treatment
  • Accidental Support Items
  • Accidental Dependent Child
  • Disappearance Benefit
  • Accidental Education Fund and others.

ManipalCigna Health Insurance Benefits

ManipalCigna Health Insurance plans are customisable and affordable. This gives policyholders the greatest possible freedom that they require. The company's advantages, which rank them as one of the most well-liked health insurers in the country, are listed below.

  • Peace of mind

Health insurance offers peace of mind. It will provide you with a financial safety net in case you are diagnosed with an illness whose treatment is costly. 

 When you're sick, paying for expensive medication is the last thing you want to worry about. Getting health insurance affords you peace of mind. With a policy, you have access to funds in case you need medical care that's covered by your insurance plan. You can use these funds for any expenses related to your illness or treatment, including purchasing medicines and treatments if needed. Unlike term insurance, which only offers a death benefit, health insurance is necessary for most people.

  • Free Health Check-ups

Annually, we want to make sure that our body is in perfect shape. This can be done by getting a medical checkup from a doctor who is specialized in this field. It's important for elderly people to ensure that their bodies can handle the rigours of ageing just as well as younger bodies. 

  • Employee Health Insurance Plan

Over the past few years, employers have recognized the importance of offering employees health insurance benefits as part of their employee benefits package. Most companies offer group health insurance as a part of their employee benefits package. 

ManipalCigna Insurance covers a group of people and their families under one master plan. With basic insurance ranging from in-patient hospitalization and daycare treatment to lifestyle protection and overseas travel health insurance, ManipalCigna offers the most comprehensive coverage, which is a great addition to your company's benefits package and your employee's healthcare.

  • Tax Benefit

When it comes to your tax management and personal finances, Section 80D, which permits the deduction for expenses related to preserving your health and medical insurance, is quite important.

Claim Settlement Ratio of ManipalCigna Health Insurance

Claim Settlement Ratio (CSR) is a very important factor when choosing a health insurance company. The amount is just to compare the total number of claims filed to the total number of claims settled. The higher the amount, the more dependable the company is.

The significance of medical insurance is the guarantee that, if the insured person requires emergency or scheduled medical care, he or she would be able to claim the insurance cover to meet the associated costs. This is the main agreement between the insurance company and the insured.

Having stated that, the reliability of health insurance plans depends entirely on the insurer that offers them. CSR helps judge the trustworthiness of a potential insurer.

ManipalCigna has achieved excellent claim settlement ratios over the past two years. This demonstrates the company's steady execution of filed claims, helping it improve its reputation among clients and policyholders.

Fiscal YearCSR

How to Buy a ManipalCigna Health Insurance Plan Online at Paytm Insurance?

Here is a step-by-step breakdown of the buying procedure of ManipalCigna Health Insurance at Paytm Insurance:

  1. Visit
  2. Click on ‘Health Insurance’ at the top of the page.
  3. Select your preferred medical insurance provider from the drop-down list under ‘companies’.
  4. Fill in the short survey on the next page and click on ‘proceed’.
  5. Enter your age and pin code on the following page.
  6. Once you click on ‘get quotes’, the next page will open up with a list of plans offered by the company.
  7. Choose your preferred plan and buy it online via Paytm Insurance.

How to Renew ManipalCigna Health Insurance Plan Online?

In order to renew your ManipalCigna Health Insurance Policy, you need to follow these steps:

  1. Visit the official website of ManipalCigna.
  2. Select ‘Renewal’ at the top of the page.
  3. Select the type of plan you want to renew.
  4. Next, you have to input your policy number. It will be written on the policy document.
  5. The following page will show the details of your policy as well as the amount you have to pay.
  6. Pay the renewal amount online, and your plan will be renewed.

What is ManipalCigna Cashless Health Insurance Claim?

Health insurance providers in India have a list of their network hospitals where they provide cashless benefits. You can take advantage of the cashless treatment if you are undergoing care at one of these institutions. In other words, the insurance company pays the hospital directly for the medical procedures associated with the invoices. An insurance provider's network of hospitals is available for review on their official website.

The nicest thing about cashless claims is that policyholders may obtain medical care without worrying about money by being admitted to any network hospital or medical facility in the event of an emergency.

Here’s how you can file cashless health insurance claims:

  1. You need to submit a pre-authorization form at the time of admission along with the policy documents and the identity proof of the insured. Submit a pre-authorization form at the time of admission, along with your policy document and identity proof.
  2. The hospital TPA will send your pre-authorization form and medical documents to the insurance company.
  3. After your claim request has been evaluated, you will receive a first approval, upon which your cashless treatment can begin.
  4. The hospital TPA will send your final invoice and discharge statement to the insurer on the day of release.
  5. The insurance TPA grants an improved/final approval for the total bill amount after the final evaluation of your claim application.
  6. Once the insurer gives a final clearance, some costs may not be included in your insurance policy. You'll have to pay for these at the hospital.

What is the Reimbursement Claim of ManipalCigna Health Insurance?

You must first pay for the therapy before submitting a reimbursement claim. When you submit the claim, you must present the hospitalization and medical expense receipts as well as other supporting documents. After checking the invoices, the insurance provider will deposit the money to your provided bank account.

The best thing about reimbursement claims is that you'll always get your money back, regardless of where you obtain your medical care. So, filing a reimbursement claim is the best option if a network hospital isn't nearby.

Here is how you can file a reimbursement claim:

  1. Gather all the original invoices and medical procedure papers and download the claims form.
  2. Send all necessary paperwork to the nearest ManipalCigna office for the claim processing.
  3. Following the processing of your claim, the reimbursement sum is sent to the designated bank account you provided.

The documents necessary for filing a reimbursement claim include

  1. Original bills and receipts.
  2. All diagnostic tests are done for investigation, along with reports.
  3. The doctor’s prescription advised admission to the hospital.
  4. Discharge summary with details of the treatment.
  5. The policy document of the insured, along with KYC documents.
  6. The bank details of the policyholder for the reimbursement claim to be paid.

How to File a Claim with ManipalCigna Health Insurance Online?

Here are the steps for making a claim with ManipalCigna Health Insurance:

  1. Go to the official ManipalCigna insurance page.
  2. Select ‘claims’ at the top of the page.
  3. Enter your policy number and the proposer’s death of birth. You can find your policy number on the policy document.
  4. You can raise your claim on the next page.

If you are looking to track your claim status, just click on the ‘track claim status’ button on the claim page, and you will be provided with an updated status of your health insurance claim.

List of Documents Required for ManipalCigna Health Reimbursement Claim

The applicant must produce and provide a set of authorized documents when purchasing health insurance. There are many different forms of health insurance, but here is a checklist of all the basic paperwork necessary when purchasing health insurance in person or online:

  1. Age Proof
    1. Birth Certificate
    2. Voter Card
    3. Passport
    4. PAN Card
    5. Driving License
  2. Address Proof
    1. Bank Account Statement
    2. Recent Utility Bill
    3. Voter Card
    4. Passport
    5. Ration Card
  3. Identity Proof
    1. Aadhaar Card
    2. Driving License
    3. Voter Card
    4. Passport
    5. PAN Card
  4. Income Proof (if needed)
    1. Bank Account Statement
    2. Recent Salary Stubs
  5. Recent Medical Reports
  6. Passport-size Photographs
  7. Filled Insurance Application Form

Note: The insurance company can always ask for more verification documents when you are applying for coverage.

How to Calculate ManipalCigna Health Insurance Premium?

Premium amount plays a huge role in choosing a health insurance plan. You would not like to buy a plan where you are paying more than you are receiving benefits. 

If you are searching for a premium calculator on ManipalCigna's product page, then your search will definitely be over now. The premium calculator has also been incorporated into each product page so that users can figure out the premium they’ll have to pay whenever they opt for health insurance plans.

However, it is important to understand that only the base coverage premium is provided on the product page. In order to get an exact idea, you need to talk with a ManipalCigna representative and get a quotation.

Here is a list of some factors that affect your policy premium:

  • Pre-existing illness and diseases.

The company can charge a little extra if they decide you are too risky to cover with your pre-existing illness.

  • Injurious substances

Most companies have higher premium rates for policyholders who have the habit of smoking or chewing tobacco.

  • Age

The lower your age is, the less your insurance premium will be. It is generally because young policyholders have fewer chances of getting serious illnesses than older policyholders.

  • Profession

People with high-risk professions like construction are often charged a higher premium amount due to their risky working environment.

ManipalCigna Health Insurance Tax Benefits

The cost of a health insurance policy's premium is deducted from taxable income under the Income Tax Act Section 80D. The deductible amount's highest limit is 25,000 INR; for senior persons, it can be increased to 50,000 INR. (starting from 1 April 2018). This indicates that the insured is now qualified to get a deduction from their taxable income of up to 75,000 INR. Rarely, the deductible sum may increase to 1,000,000 INR (50,000 INR + 50,000 INR) if both the proposer as well as his or her parents are older than 60 years.

PolicyholderTax Deduction
Below the age of 60 yearsAbove the age of 60 years
Self, Children and Spouse25,000 INR50,000 INR
Parents25,000 INR50,000 INR
Total Deduction50,000 INR1,00,000 INR

What is Covered Under ManipalCigna Health Insurance Plans?

ManipalCigna health insurance policies are well-known for their affordable and flexible coverages. Here is a list of the common inclusions of the plans:

  • In-patient Hospitalisation

Under this coverage, the insurance company will pay for any healthcare bills incurred while an insured individual is being treated in a hospital for sickness or accident for a period of time longer than 24 hours. This covers the cost of the accommodation, a visit to the doctor, diagnostic tests, oxygen, blood, medications, and so forth.

  • Pre-Hospitalisation

In accordance with this coverage, the insurance provider will pay for any medical costs connected to the treatment of the relevant disease that was incurred within 60 days prior to the hospitalisation.

  • Post-Hospitalisation

Under this coverage, the insurance company will pay for any medical expenses incurred within 90 days of the patient's release that are related to the therapy of the relevant ailment.

  • Donor Expenses

In the event of a significant organ transplant, the insurance will pay the medical expenses expended toward the organ donor for the purpose of collecting the body part.

  • Emergency Road Ambulance

It offers coverage for the costs associated with an insured person's urgent ambulance transportation to the hospital after a medical emergency. 

  • Day Care Treatment

It covers any medical costs an insured member may have incurred as a result of childcare operations. The daycare procedure or operation is a medical treatment that doesn't require a hospital stay of more than 24 hours.

What is Not Covered Under ManipalCigna Health Insurance Plans?

Like every other insurance policy, ManipalCigna Health Insurance has some exclusions listed under their insurance policies. These are situations where the policyholder or their nominees cannot file any claim. 

The following list contains some of the most common situations not covered by ManipalCigna health insurance plans:

  1. Investigation and Evaluation:
    Investigation and assessment of medical illnesses do not qualify for claim filing since the insurance company only pays for medical treatment.
  2. Change of Gender Treatments:
    Gender swapping treatments are not covered under health insurance plans.
  3. Rest Cure, Respite Care, and Rehabilitation:
    Respite care, rehabilitation and rest cure treatment are not included in basic health insurance policies.
  4. Hazardous Sports:
    Insurance companies do not provide adventurous sport injury coverage under their base plan.
  5. Plastic or Cosmetic Surgery:
    Any costs paid for aesthetic procedures, obesity treatment, or cosmetic surgery are not the insurance company's responsibility.
  6. Treatment for Drug, Alcohol, Substance abuse or other addictive conditions: 
    Therapy or treatment for any type of addictive condition is not included in health insurance coverage.
  7. Injuries due to intoxication:
    Treatment for injuries brought on by intoxication is not covered.
  8. Expenses incurred as a result of therapy for refractive error of fewer than 7.5 diopters

Note: This is only a summary of the common exclusions listed in ManipalCigna Health Insurance policies. You need to read the actual policy document to get an exact understanding of all the exclusions.

ManipalCigna Health Insurance Network Hospitals

Network Hospitals are medical institutions which have active tie-ups with an insurance provider to offer their policyholders cashless treatment.

You don't have to give a network hospital any money out of your own wallet to receive medical care if you are under a health insurance plan. The nicest thing about these hospitals is that you are able to receive high-quality care, making the entire procedure less stressful.

In contrast, non-network hospitals require that you pay the whole cost upfront before submitting a request for a reimbursement claim. Only if the insurance provider deems your request to be fair will it be granted. This indicates that there is a danger present in that scenario. When choosing a health insurance policy, be sure to pick one with the greatest number of nearby network hospitals.

ManipalCigna has a large hospital network. You may get a list of every hospital in the network by clicking here.

ManipalCigna Health Insurance Reviews

 ManipalCigna Health Insurance is one of the best in the country. Quick service, customisable plans at affordable premium rates. With accident coverage starting from day one without any waiting term, you’ll be taken care of by an impressive 24x7 service. It has one of the largest networks of doctors, hospitals and diagnostic centres and an extensive range of life and non-life insurance solutions for individuals, families, and businesses, so you can be sure to get quality care at an affordable premium rate.

Insurance solutions for every health need – from a good heart to a cracked jaw – Manipal’s well-rounded coverage will find a way to keep you and your loved ones healthy.

How to Contact ManipalCigna Health Insurance Company?

Phone NumberIndia: 1800-102-4462
Outside India: +91 22 4985 4100 


Policy Modifications:

Senior Citizen Queries:


ManipalCigna Health Insurance Company Limited.

401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai 40063.

ManipalCigna Health Insurance FAQs

  • 1. What are pre and post-hospitalisation expenses in ManipalCigna health insurance?

    Pre-hospitalization costs are medical bills paid before the covered person is admitted to the hospital. Post-hospitalization costs are those expenses that are incurred following the insured's release from the hospital.

  • 2. How long does the reimbursement claims process takes at ManipalCigna?

    Cigna Medicare will deliver your compensation after approving your claim for reimbursement, which might take up to 45 days.

  • 3. How do I contact ManipalCigna health insurance?

    You can contact ManipalCigna health insurance by calling its toll-free number at 1800-102-4462. Customers from outside of India can dial +91 22 4985 4100.

  • 4. Can I track my ManipalCigna health insurance claim status online?

    Yes. You need to visit the company website and open the claim section. From there, you can input your claim referral number and get an updated insurance claim status.

  • 5. How can I locate my nearest ManipalCigna network hospital?

    Network hospital is where the insurer has a tie-up for processing a cashless claim. 

    You can click here to get a list of all the hospitals in the ManipalCigna network. From there, you can decide which one is the nearest for you.

  • 6. Can I get a group insurance plan for my company from ManipalCigna?

    Yes. Manipal Cigna Health Insurance offers companies 5 different group insurance policies to choose from.

  • 7. Does ManipalCigna health insurance cover COVID?

    Yes. Manipal Cigna offers two different covid focused health insurance plans – Corona Kavach Policy and Corona Rakshak Policy.

  • 8. Can I get health insurance coverage as a Non-Resident Indian?

    Yes. Manipal Cigna offers insurance coverage to both resident and non-resident Indians.

  • 9. How to buy ManipalCigna health insurance?

    In order to buy ManipalCigna Health Insurance, you can either visit their online website and follow their application process, or you can visit Paytm Insurance and browse through multiple insurance policies available to you and apply for the one which best suits your needs.

  • 10. Which documents do I need to submit to apply for health insurance?

    To apply for a health insurance plan from Manipal Cigna, you need to submit the filled application form along with age, identity, income, address proof and recent medical reports.

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