Manipal Cigna Health Insurance Company Limited

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16 min read

Updated on Sep 26, 2022

About Manipal Cigna Health Insurance

Manipal Cigna is a standalone health insurance provider in India which is formed as a joint venture between the Manipal Group and Cigna Corporation. The company offers a range of health insurance solutions for both its retail and corporate clients. With a presence across 769 cities in India, it is easy to reach the company for buying the policy or for any assistance that you need. 

Key highlights of Manipal Cigna Health Insurance Company

Some key highlights of Manipal Cigna Health Insurance Company are stated as follows:

Total Customers More than 180 million
Network Hospitals 6500+
Claims Settled More than Rs.924 crores
Number of branches 51 
Number of international claims 120,573

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Awards and accolades of Manipal Cigna Health Insurance Company

Indian general insurer Manipal Cigna Health Insurance Company has received numerous awards and accolades. Let us have a look at a few of them:

  • The company was considered to be the Best Health Insurance Brand of 2021
  • Recently, ManipalCigna’s ‘Lifetime Health’ was voted ‘Product of the year 2021.’ 
  • As per GTPW, the company was ranked among the top 25 workplaces in the BFSI segment
  • For its digital innovations, the company received the Red Hat APAC Innovation Awards in 2020

Benefits of Manipal Cigna Health Insurance Plans

Manipal Cigna offers different types of health plans and each policy has a comprehensive scope of coverage. Some of the common coverage benefits that you can find include the following –

Coverage Features  Meaning 
Inpatient treatments Under this, treatments taken on an inpatient basis, i.e. when you are hospitalised for 24 hours or more, are covered. The coverage is allowed for room rent, doctor’s fee, nurse’s fee, etc.
Pre hospitalisation  Expenses incurred prior to hospitalisation are called pre-hospitalisation expenses. Such expenses are covered up to a specified number of days
Post hospitalisation  Expenses incurred even after the discharge from the hospital are covered under this head. The expenses are covered up to a specified number of days
Ambulance charge The cost of an ambulance used in transportation to the hospital is covered under Manipal Cigna health insurance plans 
Domiciliary treatments Treatments taken at home are called domiciliary treatments. Such treatments are covered under the policy if no hospital beds are available or if you are in no condition to be moved to the hospital  
Organ donor treatments The cost of organ harvesting, as well as the cost of hospitalisation of an organ donor, are covered under this head if you are undergoing an organ transplant surgery
Daycare procedures  Medical treatments wherein a hospital stay of 24 hours is not needed are called daycare procedures. Such procedures are covered under the policy
AYUSH treatments Non-allopathic treatments are called AYUSH treatments or alternative treatments. Such treatments are also covered under the plan
Free health check-ups You can avail of free health check-ups at specified intervals if you renew the policy non-stop. Such health check-ups are called preventive health check-ups and they are covered under the policy
No claim bonus This bonus is allowed if no claim is made in a policy year. Under many Manipal Cigna health plans, the sum insured is increased on a cumulative bonus if you don’t make claims in successive policy years

 

Exclusions under Manipal Cigna health plans:

Manipal Cigna health insurance plans have specific exclusions wherein the claim is not paid. The exact list of exclusions depends on the policy that you choose and can be checked in the policy wordings. However, some of the most common instances that are not covered include the following –

  • Pre-existing illnesses are not covered in the first few years of the policy. This period is called the waiting period
  • Specific medical conditions are not covered in the first 2 years of the policy. This period is called the specific waiting period
  • Illnesses within the first 30 days of the policy are not covered
  • Cosmetic treatments and medical unnecessary treatments are excluded
  • War, nuclear perils, mutiny, civil commotion, etc. are excluded
  • Illegal acts, adventure activities, self-inflicted injuries, alcohol or drug addiction would not be covered
  • Pregnancy and maternity-related treatments are excluded unless they are covered under the policy
  • OPD expenses are not covered unless otherwise stated
  • The cost of vitamins and supplements are excluded
  • The costs associated with unscientific or unproven treatments are not covered

Health insurance plans offered by Manipal Cigna:

Manipal Cigna offers different types of health plans. Some of the most popular plans, also available at PayBima, are discussed below –

1. Super Top-up Plan

This is a super top-up policy wherein claims exceeding the deductible are paid. Manipal Cigna’s Super Top-up policy is a comprehensive cover that has the following salient benefits –

  • Two plan options

There are two plan options under the policy – Plus and Select. You can choose from a range of sum insured and deductible options as per your needs. This helps you choose a suitable policy and coverage. 

  • Coverage for non-medical expenses

Non-medical expenses, which are otherwise excluded from coverage, are covered under this policy. This ensures that you get comprehensive coverage and your out-of-pocket expenses are minimal.

  • Guaranteed no claim bonus

You get a no claim bonus of 5% enhancement of the sum insured every year that you don’t make a claim. The maximum bonus allowed is 50% of the sum insured. 

  • Critical illness rider

You get the option of adding a critical illness rider to enhance the scope of coverage. This rider pays an additional sum insured in case you suffer from a covered illness.

  • Optional coverage benefits

There are different types of coverage benefits available under the policy. You can choose one or more of these coverage benefits to enhance the scope of your policy.

Eligibility Conditions

Sum insured  Rs.1 lakh to Rs.30 lakhs
Deductible  Rs.1 lakh to Rs.10 lakhs
Entry age  Adults – 18 years onwards

Children – 91 days to 18 years if either parent is insured

Children are covered up to 23 years

Term  1, 2 or 3 years
Premium payment mode Annually

Half-yearly

Quarterly

Monthly 

 

2. ProHealth Plus

One of the variants of the ProHealth policy, the Plus variant is a comprehensive health insurance policy that offers the needed coverage benefits. Some of the features of the policy are as follows –

  • Worldwide emergency cover

If you suffer from a medical emergency, you can avail of coverage both in India as well as abroad. This coverage is available up to the sum insured once every policy year.

  • Sum insured restoration

If you use up the sum insured on a previous claim in the same policy year, the plan allows the benefit of sum insured restoration. Under this benefit, the sum insured is refilled back to its original amount so that subsequent claims can be met. Moreover, this restoration benefit is available multiple times in a single policy year.

  • Maternity and newborn cover

The plan allows coverage for maternity-related expenses. So, if you are hospitalised for delivering a child, the cost of normal, as well as C-Section deliveries, would be covered. Moreover, the policy extends coverage for your newborn baby too if the baby is hospitalised after birth. 

  • Range of optional coverage benefits

There is different types of coverage benefits that you can choose to enhance the scope of coverage of the policy. These coverage benefits include features like hospital cash allowance, reduction of the waiting period for maternity cover, cumulative bonus booster, etc. 

3. ProHealth Protect

Another variant of the ProHealth policy, this policy offers the basic coverage benefits at affordable premium rates. Some of the features of the plan are as follows –

  • Health maintenance benefit

This benefit rewards you if you maintain a healthy lifestyle. If you fulfil the fitness conditions specified, you get to earn an Activ Day. You can accumulate these days throughout the policy tenure. Thereafter, on renewal, based on the Activ Dayz accumulated, you get premium discounts and other monetary benefits. 

  • Annual health check-ups

The policy allows you to avail of annual health check-ups. Every insured member aged 18 years and above can avail of free health check-ups on every renewal.

  • A second opinion on critical illness

There is a feature of availing of an online second opinion in case you or any other insured member suffers from a critical illness covered by the policy. This second opinion is available free of cost from the insurer’s panel of experts. 

4. ProHealth Preferred

The third variant in the ProHealth plan, Preferred offers high sum insured levels and an optimal scope of coverage. The features of the plan are as follows –

  • International coverage in emergencies

In the case of medical emergencies, the policy does not restrict your coverage based on geography. Even if you are travelling abroad, you can avail of claim settlement for the medical costs incurred. 

  • Coverage for newborn’s first-year vaccinations

Besides covering maternity and newborn hospitalisations, Preferred also covers the cost of first-year vaccinations of the newborn. 

  • Option of critical illness add-on

The plan allows the critical illness rider that you can add to your policy for protection from named critical illnesses. If you choose this rider and suffer from a covered illness, the policy would pay a lump sum benefit to help you meet the associated financial challenges that you might face. 

5. ProHealth Premier

A premium policy, Premier offers high sum insured and the following coverage benefits to ensure that you can enjoy all-round protection – 

  • Sum insured of Rs.1 crore

The policy is a high sum insured policy wherein coverage of Rs.1 crore is provided. You can avail of the coverage and meet even the most expensive medical treatments without any hassles.

  • Domiciliary treatments without limits

If you are hospitalised at your own home and your hospitalisation is categorised as a domiciliary hospitalisation, you can avail of coverage without sub-limits. The medical costs would be covered up to the sum insured so that your out of pocket expenses are minimal. 

  • Multiple sum insured restorations

Sum insured restoration allows you to restore the coverage amount to the original amount if the base sum insured is used up in the previous claim. However, while many policies allow this restoration benefit only once during the policy tenure, ProHealth Premier allows multiple restorations, without limits.

  • High no claim bonus

If you don’t claim your policy, the plan increases your sum insured by 10% after every claim-free year. This increase keeps on accumulating up to a maximum of 200% of the sum insured.

6. ProHealth Accumulate

This is the last variant in the ProHealth policy. The salient features of the plan are as follows –

  • Choice of Health Maintenance Benefit

There are three coverage options of the Health Maintenance Benefit feature. You can choose an option that best suits your needs. Moreover, the accumulated benefit can be used to pay for deductibles or for co-payments to reduce your out of pocket expenses at the time of claims

  • Healthy Rewards

The policy allows different types of wellness programs. You can participate in these programs and earn reward points equalling 1% of the premium amount. You can use the accumulated reward points to claim a premium discount or convert them to health maintenance benefits. 

Comparative Analysis of Manipal Cigna ProHealth Plans

Features  ProHealth Protect ProHealth Plus  ProHealth Preferred ProHealth Premier ProHealth Accumulate 
Inpatient hospitalisation Sum insured up to Rs.5.5 lakhs – single private AC room

Higher sum insured – any room except suite or higher 

Any room except suite or higher Any room except suite or higher Any room except suite or higher Sum insured up to Rs.5.5 lakhs – single private AC room

Higher sum insured – any room except suite or higher 

Pre hospitalisation 60 days 60 days 60 days 60 days 60 days
Post hospitalisation 90 days 180 days 180 days 180 days 90 days
Daycare treatments Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Ambulance cover Up to Rs.2000 Up to Rs.3000 At actuals At actuals Up to Rs.2000
Domiciliary hospitalisation Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Organ donor cover Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Available

Up to the sum insured

Worldwide emergency cover Available

Up to the sum insured, once every year

Available

Up to the sum insured, once every year

Available

Up to the sum insured, once every year

Available

Up to the sum insured, once every year

Available

Up to the sum insured, once every year

Sum insured restoration Available, up to the sum insured, multiple times Available, up to the sum insured, multiple times Available, up to the sum insured, multiple times Available, up to the sum insured, multiple times Available, up to the sum insured, multiple times
Health Maintenance Benefit Up to Rs.500 Up to Rs.2000 Up to Rs.15,000 Up to Rs.15,000 Up to Rs.5000 to Rs.20,000 depending on what you choose
Maternity cover Not available  Normal delivery – up to Rs.15,000

Caesarean delivery – up to Rs.25,000

Normal delivery – up to Rs.50,000

Caesarean delivery – up to Rs.1 lakh

Normal delivery – up to Rs.1 lakh

Caesarean delivery – up to Rs.2 lakhs

Not available
Newborn cover Not available  Available up to maternity benefit limit Available up to maternity benefit limit Available up to maternity benefit limit Not available 
First-year vaccinations  Not available Covered in addition to the maternity benefit limit Covered in addition to the maternity benefit limit Covered in addition to the maternity benefit limit Not available
Health check-ups Every 3rd policy year Annually from 2nd year onwards Annually from 2nd year onwards Annually from 2nd year onwards Every 3rd policy year
E-opinion on critical illness Available, once a year Available, once a year Available, once a year Available, once a year Available, once a year
No claim bonus 5% increase in the sum insured up to 200% 10% increase in the sum insured up to 200% 10% increase in the sum insured up to 200% 10% increase in the sum insured up to 200% 5% increase in the sum insured up to 200%
Healthy rewards Available  Available  Available  Available  Available 
Entry age  Adults – 18 years onwards

Children – 91 days to 18 years if either parent is covered

Maximum coverage age for children – 23 years

Sum insured  Rs.2.5 lakhs to Rs.50 lakhs Rs.4.5 lakhs to Rs.50 lakhs Rs.15 lakhs, Rs.30 lakhs and Rs.50 lakhs Rs.100 lakhs Rs.5.5 lakhs to Rs.50 lakhs
Term of the plan 1 year, 2 years or 3 years
Pre-existing waiting period 48 months 36 months 24 months 24 months 36 months
Maternity waiting period NA 48 months 48 months 48 months NA

 

How can you buy Manipal Cigna Health Insurance Online? 

ManipalCigna offers various health insurance plans depending on your needs. If you want to buy Manipal Cigna health insurance plan online, so here are the simple you needs to follow as mentioned below:-

  • Go online

To purchase a health plan, visit the PayBima website and click on ‘health insurance’.

  • Fill in your details

PayBima will ask you to complete certain personal and medical details once you choose health insurance so that it can find you suitable health plans based on your eligibility and insurance requirements. Give basic information, such as name, address, pin code, phone number, gender, age, number of dependents, and medical information, such as health status, medical history, and pre-existing conditions. You can also get personal consultation from PayBima to help you purchase the health plan.

  • Compare the health insurance plans

A list of insurance plan names, features, and premiums will be displayed once all the details have been provided. It will show the most affordable, competitively priced plan. The plans can be compared based on their benefits and premiums, and you can select the plan that best fits your needs.

  • Submit the proposal form

After shortlisting your policy, fill out the proposal form. To avoid the rejection of your claim in the future, be sure to provide complete and accurate details in the form.

  • Premium payment

Through the available online payment methods, you can pay the premium. PayBima provides a hassle-free experience with its secure premium payment options.

  • Policy issuance

If you have not declared any adverse information about your lifestyle habits and medical history in your proposal form, your health plan will be issued instantly on payment of premium.

  • Pre-entrance medical check-up

Depending on certain criteria such as age, habits, medical illness, or higher sum insured, the insurer might need a pre-entrance health check-up to determine your health status and existing illnesses. You can avail of such health screenings at the company’s networked facilities. 

What is renewal process in Manipal Cigna Health Insurance?

In addition to providing the facility for buying a health insurance policy, PayBima also allows you to renew it by visiting its official website. Lifelong renewals are available with the Manipal Cigna health insurance plan and you can keep your coverage uninterrupted if you renew on time.

It is possible to renew your health insurance policy online by providing your policy number and other details. As part of the renewal process, you can review your plan details and make changes if necessary. You may have to pay a separate premium for changes made to the plan. To renew your ManipalCigna Insurance policy, you can contact PayBima via email at paybima.care@mahindra.com or by phone at 1800 267 67 67.

How to claim Manipal Cigna Health Insurance Plan?

Manipal Cigna health insurance claims can be filed through PayBima in a very simple and easy way. Here’s how it works:

  • Locating a network hospital

In the Manipal Cigna health insurance policy, you can make a cashless or a reimbursement claim. To use the cashless claim facility, you need to locate the nearest network hospital of the insurance company by going to its website. You can also find the hospital through the customer care department of the insurer.

  • Admission

By showing your ID proof and health card, you can be admitted to a networked hospital after you have located it.

  • Pre-authorization Claim form

To receive a cashless settlement of a health claim, you must submit a pre-authorization claim form to the insurance company. To get the form, you can download it online or visit the nearest branch of the insurance company. The form is also available at the hospital. It needs to be submitted at least three to four days before a planned hospitalization. In case of emergency, you may also submit the form within 24 hours of hospitalization.

  • Cashless approval

A pre-authorized claim form will be submitted to the insurance company for approval of the cashless facility. Upon receiving the insurer’s approval, the hospital in the network will begin the treatment. The insurance company will handle and pay all the bills for the treatment.

  • Reimbursement Claim Facility

Your claim will be settled on a reimbursement basis if you do not get approval for a cashless claim or are admitted to a non-networked hospital. Before planned admission to a non-network hospital, you must notify your insurance company. In case of emergency admissions, you can notify the insurance company after admission but before discharge. You will be responsible for paying all your bills, which can be reimbursed if you fill out a claim form with original receipts, bills, and medical documents attached. After assessing your claim and validating your documents, the company will reimburse the amount.

Customer claims are settled smoothly and efficiently by PayBima. For help with your manipal cingal health insurance claim settlement, you can reach PayBima by phone at 1800 267 67 67 or by email at paybima.care@mahindra.com. A successful settlement of a claim requires certain documents to be submitted. These documents include:

  • Filled out and signed claim form
  • Bank details for payment of reimbursement claims
  • Aadhar card, PAN card, birth certificate, etc. for proofs of identity.
  • For cashless claims, a pre-authorization form is required
  • Documentation to support reimbursement claims includes original medical bills and receipts, consultation notes, prescriptions, and hospital reports.

Review of Manipal Cigna Health Insurance

Manipal Cigna is a leading name in the health insurance industry. Here are some of its distinguishing features –

  • More than 21,000 agents are tied-up with the company making it easier for you to buy the available plans
  • The company promotes healthy living and so it has made more than 93,000 customers happy with its attractive rewards programs
  • With digitized services, Manipal Cigna has eased up the buying, renewing and claiming process for its health insurance policies
  • The company has a dedicated customer care department which helps you with your problems round the clock

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Frequently Asked Questions

Q: What are the discounts available under Manipal Cigna health insurance plans?

Manipal Cigna’s health insurance plans allow a range of premium discounts so that the policy becomes affordable. You can avail of the following types of discounts based on the policy that you buy –

  • Family discount for adding 2 or more family members on an individual coverage basis
  • Long-term discount for buying a 2 or 3-year policy
  • Marketing discount for buying the policy through specified marketing channels
  • Voluntary co-payment discount for choosing to pay a part of your claim yourself, voluntarily 
  • Online discounts for buying or renewing the policy online

Remember, the discounts are policy specific and you should check the policy wordings to find out the exact amount of discount that you can receive.

 

Q: Can I pay my premiums in instalments?

Yes, Manipal Cigna allows you to pay your premiums in annual, half-yearly, quarterly or monthly instalments as per your affordability.

 

Q: Are medical check-ups needed to buy the policy?

The requirement of medical check-ups depends on your age, sum insured and the policy that you buy. So check the policy conditions to find out if pre-entrance health check-ups are needed or not.

 

Q: How do I check the list of networked hospitals?

To check the list of networked hospitals, you can visit https://www.manipalcigna.com/home#locator and enter your State and City. A list of the networked hospitals would be displayed and you can find the nearest hospital for cashless claims.


If you have raised the claim through PayBima, PayBima would help you locate the nearest networked hospital for cashless claims.

 

Q: How do I track my health insurance claim?

Manipal Cigna allows you to track your claims online through its portal or its Medibuddy mobile application. For tracking the claim online, you can go to https://www.manipalcigna.com/claims, enter your policy or certificate number and the date of birth of the proposer. Click on ‘Submit’ and the claim status would be displayed. You can also check manipal cigna claim status through PayBima by calling up its helpline number or by sending it an email.

Jan 17, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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