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ManipalCigna Health Insurance

ManipalCigna Health Insurance is a reputed name in the industry providing medical covers to both individuals and families

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ManipalCigna Health Insurance

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Fincover® > Insurance > Health Insurance > Manipal Cigna Health Insurance
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Cigna and Manipal Group is a leading Indian healthcare provider, have collaborated to launch Manipal Cigna Health Insurance. They, together, offer a variety of health insurance plans that address particular medical expenses such as hospitalization, critical illnesses and outpatient treatments to safeguard you financially against unforeseen medical costs.

Interesting Fact: Manipal Group has more than 27 hospitals across 15 cities in the country making it the second largest healthcare chain in the country

  • Select a Plan: Pick a plan according to your needs such as individual, family or senior citizen.
  • Pay the Premium: The annual or monthly premium for activating your coverage must be paid.
  • Get covered: Your policy includes hospitalization, surgeries, diagnostics, etc as per policy.
  • Get medical assistance: In addition, it claims benefits by getting cashless treatment at network hospitals or filing for a reimbursement.
Plan NameCoverage RangeKey Features
ManipalCigna ProHealth Prime₹3 Lacs – ₹1 Crore– Covers non-medical expenses- Choice of any room category, including suites- Unlimited restoration of sum insured for related/unrelated illnesses
ManipalCigna Lifetime Health₹50 Lacs – ₹3 Crores– Coverage for 27 major illnesses globally- Customizable with optional packages like Global+ (Global OPD), Women+ (specialized package for women), and Health+ (coverage enhancement)- Loyalty discount on premium from the 4th policy year onwards
ManipalCigna ProHealth Insurance₹2.5 Lacs – ₹1 Crore– Cashless treatment at 7,500+ hospitals- Guaranteed cumulative bonus up to 200% of sum insured- Tax benefits under Section 80D of the IT Act
ManipalCigna Super Top Up₹0.5 Lacs – ₹25 Lacs– Allows customization of health plan- Pay only for chosen benefits
ManipalCigna Prime SeniorNot specified– Designed specifically for senior citizens- Comprehensive coverage tailored to elderly healthcare needs
ManipalCigna Lifestyle Protection – Critical CareNot specified– Provides lump-sum benefit on diagnosis of covered critical illnesses- Financial protection against life-threatening conditions
ManipalCigna Sarvah Uttam₹5 Lacs – ₹3 Crores– Comprehensive health insurance plan- Customizable as per changing needs- Unlimited restoration of sum insured
ManipalCigna Sarvah Param₹5 Lacs – ₹3 Crores– Instant health insurance plan with zero waiting period- Unlimited restoration of sum insured- Coverage for pre-existing conditions from day one

Please note that coverage details and features are subject to change. For the most accurate and personalized information, it’s recommended to consult directly with ManipalCigna or visit their official website.

  • Extensive Hospital Network: Quality healthcare is key and therefore there is need for access to hospitals. With its tie up with a large number of hospitals, Manipal Cigna makes sure that the policyholders have multiple choices for treatment, anywhere in India.
  • Affordable Premiums: Quality healthcare does not mean the premiums would be expensive. Health insurance plans from Manipal Cigna start as low as Rs. 5,250, making it accessible to a number of audiences.
  • Tax Benefits: In addition to protecting health, investing in the health insurance from Manipal Cigna has financial benefits as well. According to prevailing tax laws, policyholders can avail tax deductions of premiums paid.
  • Wellness Programs: Beyond providing just insurance coverage, Manipal Cigna focuses on enhancing wellbeing. These policyholders are motivated to lead healthier lifestyles through various wellness programs in the hope that medical expenses they could pay off in the future will be lower.

Pro tip: When choosing a health insurance policy, pick one has a hospital near to your residence and has good facilities. Since Manipal Cigna has a wide network, you can rest assured you’ll receive the best of care.

Inclusions Exclusions
Hospitalization Costs: Coverage for both pre and post-hospitalization expenses. Pre-existing Diseases: Not covered during the initial waiting period (usually 2-4 years).
Daycare Procedures: Coverage for procedures that do not require 24-hour hospitalization. Cosmetic or Aesthetic Surgery: Any surgery or procedure that is purely cosmetic.
Maternity Benefits: Coverage for maternity-related medical expenses with a maternity cover. Self-inflicted Injuries: Injuries due to self-harm or substance intoxication.
Ambulance Charges: Coverage up to a specified limit for ambulance services. Alternative Treatments: Limited or excluded coverage for traditional or alternative treatments.
Health Checkups: Annual health checkup benefits to track your health. War or Terrorist Activities: Losses resulting from war or terrorist activities are not covered.
  1. Assessing Personal Health Needs: It’s important to assess individual or family health needs before choosing a plan. Look into factors such as age, your medical history, and the potential risks to your health and select a plan that provides adequate coverage.
  2. Comparing Different Plans: Manipal Cigna Provides Variety of Plans, Each of Them With Different Features. Compare all these plans on the basis of coverage, premiums, other benefits so that policyholders to select what suits you the best.
  3. Understanding Policy Terms and Conditions: It is important that you have a complete understanding of the policy’s terms, such as exclusions, waiting periods and the claims procedure. This knowledge allows for better decision making as well as to avoid likely misunderstandings during claim settlements.
Category Details
Age Limitations Manipal Cigna’s health insurance plans cover individuals from 91 days to 65 years. However, specific age limits may vary based on the chosen plan.
Pre-Existing Conditions Most health insurance plans cover pre-existing conditions but with a specific waiting period. Applicants must disclose their full medical history to ensure smooth claim processing.
Medical Examinations Required for some applicants based on age and medical history. These exams assess the candidate’s health condition to determine coverage requirements.
  • Choose the Right Sum Insured: When choosing your sum insured amount select a figure that meets the medical requirements of your family.
  • Utilize Wellness Programs: You should benefit from all accessible health check-ups and wellness programs.
  • Renew on Time: You should renew your coverage plan on time so coverage does not expire.
  • Keep Documents Ready: All insurance-related documents should be stored together within one easily accessible file which includes policy documents alongside claim forms and medical records.
  • Browse Options: Navigate to Fincover’s health insurance section for browsing Manipal Cigna plans by clicking it
  • Compare Plans: Our website tool enables you to select the perfect Manipal Cigna health insurance plan according to your requirements.
  • Choose a Plan: Select Your Preferred Coverage Then Customization Options Including Add-ons Or Sum Insured Is Possible.
  • Complete Application: Users need to complete their application form by supplying personal information while making their secure online payment using the system’s payment gateways which will happen at the website end
  • Policy Issuance: The health insurance policy document gets automatically sent to you through email following policy processing.

Policy applications at Manipal Cigna can be made through personal meetings at both its official branch locations and its network of authorized agents. The application process starts when candidates meet directly with representatives at nearby branches to fill out essential forms. The procedure delivers both clarity along with designated support from start to finish.

Pro tip: Before applying offline verify your agent’s qualifications thoroughly because duplicate documents may exist during policy issuance and keep copies of every document you submit to prevent disputes.

Your premium calculation depends on several important elements which you should consider.

  • Age: Your policy rates increase because of your age progression.
  • Sum Insured: A higher premium exists when you obtain coverage at a higher level.
  • Pre-existing Conditions: Insurance premiums might shift based on pre-existing medical conditions during the underwriting procedure.
  • Add-ons/Extras: Additional insurance features like maternity care and critical illness plans add to the premium cost

Pro Tip: Higher deductibles combined with higher co-payment amounts enable you to pay reduced premiums. Users should evaluate different insurance plans available on Fincover to identify the most cost-effective option that provides suitable coverage.

Understanding the Claim Process with ManipalCigna

The process of submitting a health insurance claim needs to run without any hassle. Manipal Cigna provides its customers with two primary methods to file claims.

  • Cashless Claim Procedure – Policyholders can undergo treatment at Manipal Cigna’s vast network of 30000+ hospitals by utilizing the cashless claim procedure which requires no advance payment. The healthcare provider receives bill payment directly from the insurer after checking the services for validity.
  • Reimbursement Claim Procedure – The reimbursement claim procedure exists for non-network hospitals where policyholders must first pay for medical services and submit a reimbursement request. Policyholders need to submit hospital bills together with prescriptions and diagnostic reports as required documents

Did you know? Manipal Cigna has been recognized for offering coverage for AYUSH under their Prohelath select Plan A and B worth upto 20 Lakhs

Manipal Cigna is known for its fast claim processing

Cashless Claims:

  • Policyholder’s Health Card
  • KYC Documents (Aadhaar, PAN)
  • Doctor’s Prescription & Medical Reports
  • Original Hospital Bills & Discharge Summary

Reimbursement Claims:

  • Duly Filled Claim Form
  • Original Payment Receipts
  • Diagnostic Test Reports
  • Pharmacy Bills with Prescriptions
  • Bank Details for Reimbursement

Manipal Cigna has built a large-scale network that features 30,000 healthcare centers nationwide to provide policyholders smooth access to quality medical facilities. Hospital patients who undergo cashless treatments benefit from a simple procedure to submit their claims through Manipal Cigna.

Did you know? Through its partnership between global medical centers and domestic treatment centers Manipal Cigna delivers healthcare protection to clients wherever they live whether in metropolitan regions or rural settlements.

1. What is the waiting period for pre-existing diseases?

The majority of health plans through Manipal Cigna require their customers to wait between two and four years to receive coverage for pre-existing diseases. Some health plans shorten the wait requirement for pre-existing conditions through additional cost-sharing payments.

2. How can I locate a network hospital?

The search tool on the Manipal Cigna website assists users in locating network hospitals by specialty while allowing selection by city through the website or mobile application.

3. What are the premium payment options?

Customers have multiple premium payment options at Manipal Cigna that include month-to-month, quarterly and yearly installments.

Interesting fact: Manipal Cigna offers a discount upto 40%

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ManipalCigna Health Insurance Plans

ManipalCigna ProHealth Prime Plan

ManipalCigna Lifetime Health Plan

ManipalCigna ProHealth Insurance Plan

ManipalCigna Super Top Up Plan

ManipalCigna Prime Senior Plan

ManipalCigna Lifestyle Protection - Critical Care Plan

ManipalCigna Sarvah Uttam Plan

ManipalCigna Sarvah Param Plan

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