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 |
8500+ |
Claims settled |
More than Rs.3,284 crores |
Number of branches |
77 |
Number of international claims |
1,98,877 |
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, Manipal Cigna’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
Features 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 hospitalized 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 before hospitalization are called pre-hospitalization 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 hospitalization 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 insurance plans:
Manipal Signa health policies have some 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 certain unnecessary medical 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
- Cost of vitamins and supplements is excluded
- The costs associated with unscientific or unproven treatments are not covered
Health 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 –
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 –
- 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.
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.
Super Top-up Plus is the other variant of the Super Top-Up plan offered by Manipal Cigna Health Insurance. The plan offers guaranteed continuity benefits on deductibles from the 5th policy year on buying a separate base health policy. Other salient features of the plan are:
The plan covers medical expenses towards non-allopathic treatment such as Ayurveda, Yoga, Naturopathy, Unani, Siddha
, and Homeopathy up to the plan sum insured. The cover is available only for hospitalization undertaken in a Government Recognised Institute or hospital or registered AYUSH Hospital.
- Reduction in Pre-existing Waiting Period
The pre-existing waiting period of the plan is 48 months which can be reduced to 24 months through a pre-existing disease optional rider. The optional cover is available at the time of buying the policy.
Super Top-up Plus variant offers various discounts to make the plan affordable for you. You can get a family discount of 10% of the sum insured for covering two or more family members in the plan. You can also get a long
-term discount of 7.5% if you opt for a 2-year policy and a 10% discount on the sum insured if you opt for a 3-year policy term.
Here is the comparative analysis of Super Top-up and Super Top-up Plus:
Features |
Super Top-up Plan |
Super Top-up Plus |
In-patient hospitalization |
Covered up to the sum insured |
Covered up to the sum insured |
Pre- and post-hospitalization |
Covered |
60 days pre-hospitalization and 90 days post-hospitalization up to the sum insured |
Inpatient hospitalization for AYUSH cover |
Covered |
Covered up to the sum insured |
Ambulance cover |
Covered |
Covered |
Day Care Treatment |
Covered up to the sum insured |
Covered up to the sum insured |
Guaranteed cumulative bonus |
5 % of the sum insured every year with a maximum of up to 50% |
5% of the sum insured every year with a maximum of up to 50% |
Non-medical expenses cover |
Covered up to the sum insured |
Covered up to the sum insured |
Guaranteed continuity of deductible |
Available |
Available as an optional cover |
Reduction of the PED waiting period |
Available |
Available as an optional cover to reduce the waiting period from 48 months to 24 months |
Add on covers |
Critical illness rider |
Critical illness rider |
Donor expenses |
Covered up to the sum insured |
Covered up to the sum insured |
Entry age |
Adults – 18 years onwards
Children – 91 days to 18 years if either parent is insured
Children are covered up to 23 years |
Sum insured |
Rs 1 lacs to Rs 30 lacs |
Rs 3 lacs to Rs 30 lacs |
Deductibles |
Rs 1 lacs to Rs 10 lacs |
Rs 3 lacs to Rs 10 lacs |
Plan term |
1 year, 2 years, or 3 years |
Premium Payment Mode |
Annually, Half-yearly, Quarterly and Monthly |
Pre-existing waiting period |
48 months with an option to reduce it to 24 months by paying a one-time premium |
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 yourself of coverage both in India as well as abroad. This coverage is available up to the sum insured once every policy year.
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 hospitalized 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 hospitalized after birth.
- Range of optional coverage benefits
There are 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.
Another variant of the ProHealth policy, this policy offers 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 fulfill 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.
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 for 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.
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 traveling abroad, you can avail of claim settlement for the medical costs incurred.
- Coverage for newborn's first-year vaccinations
Besides covering maternity and newborn hospitalizations, the 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.
A premium policy, Premier offers
a 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 hospitalized at your own home and your hospitalization is categorized as a domiciliary hospitalization, 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 restoration:
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.
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.
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 for 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
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 ProHealth variants
Features |
ProHealth Protect |
ProHealth Plus |
ProHealth Preferred |
ProHealth Premier |
ProHealth Accumulate |
Inpatient hospitalization |
Sum insured up to Rs.5.5 lakhs – single private AC room
Higher sum insured – any room except suite or higher |
Any room except a suite or higher |
Any room except a suite or higher |
Any room except a 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
Cesarean delivery – up to Rs.25,000 |
Normal delivery – up to Rs.50,000
Cesarean delivery – up to Rs.1 lakh |
Normal delivery – up to Rs.1 lakh
Cesarean 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 maternity benefit limit |
Covered in addition to maternity benefit limit |
Covered in addition to 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.
To buy a suitable Manipal Cigna health insurance plan, PayBima’s online portal is available. The process is as follows:
To purchase a health plan, visit the PayBima website and click on 'health insurance'.
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 a
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.
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.
Through the available online payment methods, you can pay the premium. PayBima provides a hassle-free experience with its secure premium payment options.
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 the 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.
The process to renew Manipal Cigna health insurance policy
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 Plan policy, you can contact PayBima via email at
paybima.care@mahindra.com or by phone at 1800 267 67 67.
How to claim a 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 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.
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.
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 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 the claim form
- Bank details for payment of reimbursement claims
- Aadhar card, PAN card, birth certificate, etc. for proof 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