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.
Claim settlement ratio 96%
NCB* 10% per year upto 100
PED Waiting# 4 years
Network Hospital 8500+
Paybima's Right Advisor = Expert Solutions
| Manipal Cigna Health Insurance Plan | Plan Type | Entry Age | |
|---|---|---|---|
| Manipal Cigna Lifetime Health | Plan Type : Base Product | Entry Age : Adult 18 - 65 Years | Children: 90 Days - 25 Years |
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 |
Indian general insurer Manipal Cigna Health Insurance Company has received numerous awards and accolades. Let us have a look at a few of them:
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 |
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 –
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 –
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.
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.
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.
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 |
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 –
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.
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.
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.
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.
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 –
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.
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.
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.
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 –
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.
Besides covering maternity and newborn hospitalisations, Preferred also covers the cost of first-year vaccinations of the newborn.
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 high sum insured and the following coverage benefits to ensure that you can enjoy all-round protection –
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.
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.
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 –
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
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.
| Features | ProHealth Protect | Pro Health Plus | Pro Health Preferred | Pro Health Premier | Pro Health 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 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 hospitalization | 60 days | 60 days | 60 days | 60 days | 60 days |
| Post hospitalization | 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 |
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:-
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 personal consultation from PayBima to help you purchase the health plan.
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 premium.
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.
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.
Manipal Cigna health insurance claims can be filed through PayBima in a very simple and easy way. Here’s how it works:
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.
By showing your ID proof and health card, you can be admitted to a networked hospital after you have located it.
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.
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:
Manipal Cigna is a leading name in the health insurance industry. Here are some of its distinguishing features –
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.
* The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.
# Ailments diagnosed within 48 months before policy issuance date or any medical treatment received within 48 months before the issue date of policy
