Manipal Cigna General Insurance Company
ManipalCigna Health Insurance Company is a joint operation between the Manipal Group and the American based Cigna Corporation. Manipal group is one of the leaders in healthcare services and higher education across India. They boast of over 27+ hospitals nationally and 4000 doctors at their disposal and they have an annual client population of close to 4 million. They are the most renowned and credible hospital of India. The history of Cigna group dates back over 225 years of existence in the health service industry.
Manipal Cigna with its headquarters in Mumbai has an extensive pan India presence of 47 branches spread over 177 Indian cities and also has various distributors in its work.
Their huge range of holistic health Insurance policies have seen a major penetration into the Indian Insurance market offering easy access to healthcare. They have plans that can be taken at the individual or family and group levels. In just a few years of its inception, Manipal Cigna has managed to occupy the number one position as the top health insurance provider companies in India.
Vision
To become most favorite and dynamic insurance company that meets the expectations of the customers and shareholders
Mission
To follow through on the desire of their customers and to be the best insurance house at any one time.
In the year 2022, the Manipal Cigna has been certified as the Great Place to work.
Economic Times Best Prosperous Brands in 2015.
Manipalcigna Insurance: The Guide to 2025
When the expense of healthcare increases annually, health insurance selection has become a vital choice of Indian families. The Manipalcigna Insurance is one of the trusted insurers that provide people of India with customised health insurance schemes that address the broad scope of their needs. Having a good reputation of settling claims well, cashless hospital networks, and innovations in the features of policies, Manipalcigna has consolidated its position in the Indian health insurance market.
Be it an individual or a family floater, or group health insurance, it is important to know what are the reasons that make Manipalcigna a good choice. This article describes the Manipalcigna Insurance in terms of its main features, benefits, plans, user experience, and comparison of it with the other top insurers in 2025.
What is Manipalcigna insurance?
Manipalcigna Health Insurance is a well recognized joint venture of Manipal Group, a major healthcare provider of India and Cigna Corporation a health care service company with a global presence. Since its inception, the brand has been offering affordable, transparent and personalised health insurance covers.
What makes Manipalcigna different among the insurance providers?
Manipalcigna has come up with a wide range of portfolio encompassing medical expenses, critical illness, personal accident, and wellness programs. Manipalcigna has a customer-centric experience that includes wellness benefits, digital claim procedures, etc. This is what makes them appealing to individuals and families as far as the coverage is comprehensive.
What are the primary policies of Manipalcigna Insurance?
- ProHealth Insurance (Individual and Family Floater)
- Manipalcigna ProHealth Select
- CritiCare (Critical Illness Cover)
- Lifetime Health
- International Health Care Prepaid Traveler Insurance
- Group Health Insurance
All the policies are tailored to suit various medical and financial requirements with the type of sum insured varying between 2 lakhs and 10 crore in the year 2025.
Did you know?
By 2025, Manipalcigna has increased its digitalization in policy management processes, such that the policy holder can process claims, renewal and even health check-ups using an integrated mobile application.
What are Main Features and Highlights of Manipalcigna Insurance?
- Wide Hospital Network: More than 9000 network hospitals having the right to hospitalise cashless in India in 2025
- Broad Coverage: Pre and post hospitalisation, in-patient hospitalisation coverage, domiciliary hospitalisation coverage, cost of organ donation, AYUSH, and daily hospital cash facility are included.
- Wellness Rewards: Wellness Coaching, Fitness Rewards, Tele consultations and Annual Health Check-ups through Manipalcigna app
- Flexible Sum Insured: Least sum insured starts in 2 lakh, and the maximum in 10 crores in various plans
- Restoration Benefit: Automatic top up sum insured in case you run out of insurance protection
- Easy transfer: move other insurer no claim bonus need not be lost
- No Room Rent Capping: There are those plans that are not capped by room category
- Maternity and Newborn Coverage: It is an optional cover on family floater plans.
Does Manipalcigna Cover Pre Existing Diseases?
Yes, they cover pre-existing conditions, but then it is only after a waiting period and this is normally 24-48 months depending on the choice of plans. There are other plans that give shorter waiting time at the cost of extra premium.
So what are the Pros and Cons of Manipalcigna Insurance?
Insight into benefits as well as drawbacks assists individuals make improved choices.
What are the benefits of Manipalcigna Insurance Policies?
- High Claim Settlement Ratio more than 98 percent of FY 2023-24
- The highest level of digital claim filing and prompt processing, and average 2-3 day cashless claim settled
- Modern procedures such as robotic surgery, daycare surgery and organ transplant.
- Full year health check up packages at no additional cost
- Up to 100 no claim reward for claim free years
- Section 80D of the Income Tax Act Tax benefits
What are the Negatives of Manipalcigna Policies?
- It is possible that premiums charged on senior citizens is higher compared to market peers
- Limited plans with strict waiting period as regards to pre existing diseases
- Exclusions on cosmetic procedures and part surgeries
- Per room sub limits in rent, or certain processes under base plans
Expert Insights
Healthcare economist Dr. Richa Mukherjee says that Manipalcigna has fast track claim settlement and large coverage of hospitals making it one of the top insurance companies, but the customers need to check about the sub-limits and policy exclusions before purchasing a policy.
In 2025, Why Manipalcigna insurance?
One feature that makes Manipalcigna a large switch in the industry is its policy flexibility and claim transparency. A vast majority of policyholders state that they are satisfied with the customer care team, the fast processes of resolving grievances, and the digital-first model of onboarding and claims.
What is the Manipalcigna compared to Star Health and HDFC Ergo in 2025?
| Feature | Manipalcigna | Star Health | HDFC Ergo |
|---|---|---|---|
| Claim Settlement (2024) | 98 percent | 96 percent | 95.7 percent |
| Number of Plans | 9 Large-Scale plans | 12 plans | 15 plans |
| Network Hospitals | 9000 plus | 14000 plus | 13000 plus |
| Health Rewards | Up to 30 percent premium back | Up to 25 percent | Up to 20 percent |
| Digital Services | Partial app | Partial app | Comprehensive app |
| Max Sum Insured | 10 crore | 5crore | 10 crore |
| Maternity Coverage | Yes (selected plans) | Yes (selected plans) | Yes (selected plans) |
Manipalcigna has superior digital services v/s Star Health and also a higher maximum sum insured, like HDFC Ergo. Nevertheless, a domain in which the hospital should establish improvements is in terms of network breadth.
Customer Review of Manipalcigna Insurance?
Most clients like smooth claim experience, and they like the personalised assistance they receive through Manipalcigna call centre. In 2025 reviews, the convenience of cashless claims in big hospitals and the health coaching that add value are given a specific mention.
Did you know?
By 2025, more than 75 per cent of Manipalcigna customers renew their policies based on wellness programs and the satisfaction with handling claims.
What is the Process of Buying and Renewing Manipalcigna Insurance Policy?
In 2025, it is all online in terms of purchasing or renewing Manipalcigna policies. This is intuitive, saves time and is reachable through web browser or via the Manipalcigna mobile app.
What documentations will be required with a new policy in 2025?
- Either Aadhaar card or any government valid ID
- Address proof
- Recent passport-photos
- The past medical records in case of reporting pre existing disease
- Evidence of income on high value policies
Steps to buy Manipalcigna plan:
- Open the official site or the app
- Compare policies available and choose in accordance with your requirements
- Get online premium quotes and adjust sum insured when necessary
- Enter personal and Nominee details
- Files upload and pay premium
- Access policy through email or app in real time
What is Claim Process of Manipalcigna Insurance?
Manipalcigna has also launched a fully digitalised claims process by 2025 that is convenient to every policyholder.
What is the process of filing a cashless claim?
- Visit a network hospital and bring your e-health card or your policy ID card
- The TPA desk of the hospital will send a pre-authorisation request
- Manipalcigna runs and passes the claims in an average of 2-3 working days
- Hospital bill is paid on direct basis and no out-of-the-pocket payment of listed treatments
What is the procedure of filing a reimbursement?
- Notifies Manipalcigna within 24 hr of hospitalisation
- In order to do it, claim form and related documentation, possibly including discharge summary, bills, prescriptions must be submitted online:
- Manipalcigna also supports its claims in 5-7 working days; settlement can be made directly to your bank account
Other questions that people pose are:
Is it possible to initiate a Manipalcigna claim using my phone?
Yes, the 2025 Manipalcigna Insurance app will allow claim, document upload and status tracking.
Which are the Manipalcigna Insurance Exclusions, and Waiting Periods?
The general exclusion and waiting period are designed in all insurance policies.
What is not included under Manipalcigna policies in the year 2025?
- Cosmetic surgery, dental, and fertility treatments (unless mandated after accident)
- The presence of pre existing illnesses in the waiting period
- Alternative medicine which is not under AYUSH
- Drug or substance abuse treatment Alcoholism treatment
- There is OPD charges unless you specifically choose otherwise
How long is the waiting period to particular diseases?
- Waiting period in case of pre existing disease: 24 months to 48 months
- Waiting is covered by maternity and newborn: 12-24 months
- Some diseases are hernia, cataract, joint replacement: 12 to 24 months
Is There Any New Add Ons or Riders in 2025?
Manipalcigna has included new optional covers which include:
- International Hospital Cashless rider
- Advanced Critical Illness cover in listed diseases more than 30
- Super top up up to 10 crores
- Air ambulance nice
- Free telemedicine services
They can further add to your base policy as per the requirement with these add ons.
Expert Insights
Insurance advisors suggest that one should look at the extra options because as the price of premium rises with more protection, in particular the individuals with old parents or travel outside a country.
Which Wellness and Health Management Benefits Are Provided as Manipalcigna?
Manipalcigna has evolved in 2025 wellness benefits and has tried to spread preventive care among its customers.
What are the key wellness integrated features?
- Free health check-up annually in the major diagnostics of the country
- Health returns in the form of cashback when partaking walking, fitness, or wellness challenge
- Telemedicine and the online consultation of doctors are available 24 by 7
- Real-time insights given by health trackers via the app of the company
- Stress management resources and wellness webinar
This would assist policy holders to take care of their health hence minimizing claims which would make insurance worth their effort.
Long story short or Task Recap
Manipalcigna Insurance 2025 is a comprehensive health insurance provider that is well-supported by digital platforms, an expansive network of hospitals, fast claims, and effective wellness benefits. It is still ranked as one of the best health insurance providers in India who are concerned about their claim process, policy terms, and incentives to nurture healthy lifestyles.
People Also Ask (FAQs)
How much is the Manipalcigna Health Insurance premium in 2025?
This is subject to coverage; at 5 lakh sum insured on a family of four, premium begins at approximately 16,000 per year. It goes up with age and add ons.
Does Manipalcigna cover COVID19 and hospitalization caused by new viruses?
Indeed, COVID19 and new-listed viral diseases are covered with standard policies, with terms included in 2025.
Does Manipalcigna enable upgrading mid-policy year of my sum insured?
At renewal, you are allowed to make upgrades; to increase midterm, you might have to be underwritten and qualified afresh.
Does Manipalcigna offer senior citizen specific plans?
Yes, ProHealth Senior plan will have a higher limit on the age of entry, special wellness benefits and a senior health check-up at an annual frequency.
What is the contact of Manipalcigna Insurance customer care in 2025?
By use of the toll- free number, WhatsApp chat, the official app, and specially formed email support. There is an emergency claim support 24/7.
Will the portable policy option be valid to all plans in 2025?
Yes, according to the provisions of the Irdai, there is portability on all health insurance available.
Other questions that people pose are:
Does Manipalcigna Insurance require medical check-up?
Medical tests are not necessary in the majority of individuals who are less than 45 years of age and do not have health concerns. Older than 45 or those having declared ailments would require pre-policy medical check.
Does Manipalcigna sell vernacular policy?
Manipalcigna, yes, the policies and customer care will be served in Hindi, Tamil, Telugu, Kannada, Marathi, Bengali and others.
What is the process of bonus on claim free years with Manipalcigna?
The policyholders will receive a no claim bonus up to 100 percent, and the sum insured will be upped by every one claim free year.
Source:
- ManipalCigna Authorized Website
- The annual report of IRDAI 2024
