Manipal Cigna Insurance

ManipalCigna Health Insurance Company is a joint venture between the Manipal Group and U.S.-based Cigna Corporation. Manipal Group is a major player in healthcare delivery and higher education in India. They have more than 27+ hospitals across the country and a pool of 4000 doctors and serve nearly 4 million patients a year. They have the distinction of being the most reputed and trusted hospital in India.  Cigna group has been in the health service industry for more than 225 years.

Headquartered in Mumbai, Manipal Cigna has a pan India presence with 47 branches and several distributors across 177 cities in India. 

They have made significant inroads into the Indian Insurance sector with a wide array of comprehensive health Insurance plans that provide easy access to healthcare.  Their plans are available for individuals, family, and groups. Within a few years of its establishment, Manipal Cigna has climbed to the top as one of the best health insurance providers in India.

Vision and mission

Vision and mission


To be the most preferred and vibrant insurance company satisfying the expectations of the customers and shareholders

Vision and mission


To Champion their customers’ wishes and be the leading insurance provider at all times.


  • Manipal Cigna has been certified as the Great Place to work in the year 2022.
  • Economic Times Best Promising Brands in the year 2015.
Manipal Cigna

Our Product Portfolio

Manipal Cigna Health Insurance

A Health Insurance policy is a must for every individual to protect their life savings from draining out on medical expenses. Manipal Cigna understands the importance of health insurance and has carved out plans that could serve people from all segments of society.

They offer a number of health insurance plans that cover a number of health-related risks,

  • ProHealth Prime

    ProHealth Prime is designed to provide better coverage, better control, and better care. It has coverage amount starting from 3 Lakhs to 1 crore INR with unlimited restoration of sum insured option. It provides a range of benefits like coverage for non-medical expense, option to switch off coverage if you’re traveling abroad upto 1 month, reward programs that gets you premium discounts upto 20%, Annual Health checkup, and a Guaranteed Cumulative bonus that goes upto 200%. You can also customize this plan with multiple add-ons.

  • Lifetime Health

    As the name suggests, it is a health insurance that lasts for a lifetime. It can be availed for individuals, family, and multi-individuals. This plan lets you have enough coverage for any major health issues that could arise in your lifetime. You can also customize it as per your needs. The sum insured starts from 50 Lakhs to 3 Crore INR. With this plan, you can avail hospitalization expenses, day care treatment, pre and post hospitalization expenses, Road Ambulance charges, Donor Expenses, and Domiciliary treatment charges. Other benefits include health checkups and premium waiver benefits.

  • ProHealth Group Insurance Policy

    ProHealth Group Insurance Policy has been designed to provide better health coverage to employer-employee groups. It provides excellent healthcare solutions with hospitalization cover upto 1 crore INR along with several optional add-on covers. It comes with flexibility when it comes to cost sharing with fixed or indemnity payouts. With this policy, you can provide quality healthcare to all your employees and keep them happy at all times.

  • ProHealth Insurance

    ProHealth Insurance has been designed to keep your health in mind. The coverage starts from 2.5 Lakhs and goes till 50 Lakhs. Some of the benefits of the plan include restoration benefits, medical checkups, cumulative bonus option upto 200%, option to reduce premium.

  • ProHealth Select

    It lets you customize your plan and pay for what you choose. The coverage amount starts from 0.5 – 25 Lakhs. Being a flexible policy, you can just pay for what you choose. It comes with unique benefits such as Reward points, Top-up Benefit from ₹ 1- ₹ 5 Lacs, and restoration benefits.

Claim Process for Health Insurance at Manipal Cigna

Reimbursement Claim Process

The process of paying hospital bills out of pocket and getting a refund from the insurance company later by filing a claim is called reimbursement

  • Settle the hospital bills.
  • Download and fill the claim form and submit all the hospital bills and medical tests copies.
  • Submit all the documents to the nearest Manipal Cigna branch.
  • Once your claim is processed, your reimbursement amount will be credited directly to the bank.
Cashless Claim

Cashless Claim is a process where Manipal Cigna directly settles the bill directly with the hospital,

  • For planned hospitalization, report to the hospital desk 48 hours to admission, for emergency situation, report to the TPA desk within 24 hours of admission.
  • Your preauthorization form and medical records will be submitted by the hospital directly to ManipalCigna.
  • After assessing the claim request, an initial approval will be given to you.
  • After the treatment, the hospital will submit the final bill to the insurer.
  • After the final assessment of your claim request, the hospital will submit your final bill to the insurer.
  • Deducting a partial amount that you have to pay out of your hand, the insurer will settle the claim with the hospital directly.