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Manipalcigna Health Insurance

ManipalCigna Health Insurance provides coverage of up to Rs. 50 lakh and cashless treatments at over 6,500 hospitals safeguard your savings. Starting from just Rs. 5,250* annually, the plans encompass daycare treatments, pre- and post-hospitalization coverage, and optional add-ons. With an impressive average claim settlement ratio of 96%, you can rest assured of comprehensive protection and timely assistance during medical emergencies.

Manipalcigna Health Insurance and Its Importance

ManipalCigna Health Insurance ensures access to quality healthcare services and financial security in medical emergencies. With coverage up to Rs. 50 lakh and cashless treatment at 6,500+ hospitals; it offers individual, family, group, and senior citizens health insurance plans, along with the flexibility to choose optional covers. The policies cover daycare treatments and pre and post-hospitalization and have an average claim settlement ratio of 96%. These benefits underscore the importance of ManipalCigna Health Insurance in providing comprehensive health protection.

What is ManipalCigna Health Insurance?

ManipalCigna Health Insurance, a collaborative joint venture between Manipal Group and Cigna Corporation, offers a range of medical insurance policies. Established in 2016, it combines Manipal's healthcare expertise with Cigna's global insurance prowess. Key features of ManipalCigna health insurance include coverage up to Rs. 50 lakh, cashless treatment at 6,500+ hospitals, individual, family, group, and senior citizens plans, daycare treatments, pre and post-hospitalization coverage, and an average claim settlement ratio of 96%. These benefits and details underscore the significance of ManipalCigna Health Insurance in providing comprehensive health coverage.

Explanation of ManipalCigna Health Insurance and Its Features

ManipalCigna Health Insurance is a comprehensive insurance plan that offers a range of benefits to individuals and families. With a focus on providing quality healthcare and financial protection, this insurance policy offers health insurance coverage for hospitalization, outpatient care, maternity benefits, and more. The plan also includes features such as cashless hospitalization, emergency assistance, and a wide network of healthcare providers for ease of access. It also has additional features like tax benefits under the section 80D. Understanding the key features and advantages of ManipalCigna Health Insurance is essential for making informed decisions about healthcare coverage.

Coverage of ManipalCigna Health Insurance

ManipalCigna health insurance plans are designed to meet various needs, providing extensive coverage options:

  • Comprehensive hospitalization coverage includes both pre and post-hospitalization expenses, ensuring complete medical care.
  • Ayush treatment, covering Ayurveda, Unani, Siddha, and Homeopathy, offers holistic healthcare alternatives.
  • Organ donor expenses are covered, easing the financial burden associated with such procedures.
  • Daycare and domiciliary procedures are included, providing coverage for treatments not requiring overnight hospitalization.
  • Additional coverage for ambulance charges is provided, ensuring emergency transport expenses are taken care of.
  • Additional benefits such as cashless claims, tax exemptions, coverage for pre-existing conditions, in-patient hospitalization, global coverage, and add-on critical illness cover enhance the overall protection.

Overall, ManipalCigna health insurance plans offer comprehensive coverage types to ensure that individuals and families have the financial support they need to access high-quality healthcare.

Policy Terms and Conditions of ManipalCigna Health Insurance

Understanding policy terms and conditions is vital in any agreement, ensuring compliance and clarity of the details for all parties involved. Whether in contracts, service agreements, or insurance policies, these terms explain the rights and responsibilities, preventing any risks and promoting healthy relationships. Let's explore the policy terms and conditions of ManipalCigna Health Insurance that can provide comprehensive guidelines regarding various aspects of the policy.

ManipalCigna Health Insurance Policy Terms and Conditions Overview

The policy terms and conditions of ManipalCigna Health Insurance provide comprehensive guidelines regarding various aspects of the policy details:

  1. Payment Terms and Conditions: These terms tell about the functionalities of premium payment, ensuring clarity on payment schedules, modes of payment, and any associated penalties for late payments. Policyholders are informed about the frequency of premium payments, whether monthly, quarterly, or annually, facilitating financial planning and adherence to payment deadlines.
  2. Sum Insured Reduction: The policy document outlines conditions under which the sum insured may be reduced, typically occurring upon the settlement of a claim or policy renewal. By understanding these conditions, policyholders can anticipate potential changes in coverage and plan accordingly to ensure adequate protection against medical expenses.
  3. Relapse Coverage: In the event of a relapse of a medical condition, the policy provides coverage for subsequent treatments or hospitalizations. This ensures continuity of care and financial support for policyholders facing recurring health issues, offering peace of mind and alleviating concerns about the affordability of ongoing medical treatments.

By familiarizing themselves with these policy terms and conditions, policyholders can make informed decisions regarding their healthcare coverage. This comprehensive understanding enables them to maximize the benefits of their insurance policy while adhering to the specified terms and conditions.

Network Hospitals of ManipalCigna Health Insurance

ManipalCigna Health Insurance offers access to over 6,500 network hospitals nationwide, ensuring convenient access to quality healthcare. With cashless treatment options available, policyholders can receive medical care without the hassle of upfront payments, providing peace of mind during medical emergencies.

Importance of Network Hospitals in Health Insurance Plans

Receiving treatment at network hospitals under a health insurance plan offers numerous benefits, including cashless claim facilities and hassle-free direct claim settlement. This ensures financial protection and timely medical care without burdening one's savings. In the event of treatment at a non-network hospital, filing a reimbursement claim is necessary. It's vital to notify the insurance company promptly to expedite claim processing and mitigate any delays in reimbursement, thus ensuring comprehensive financial coverage and uninterrupted healthcare services.

List of Network Hospitals Associated with ManipalCigna Health Insurance

ManipalCigna Health Insurance provides policyholders with access to a wide network of hospitals across India. It provides access to over 6500 network hospitals across the country, ensuring that customers can easily avail of quality healthcare services. Here is a list of a few of these hospitals:

  • In Delhi, policyholders can access network hospitals such as BLK Super Speciality Hospital, Indraprastha Apollo Hospitals, and Fortis Healthcare.
  •  Gurgaon boasts network hospitals like Medanta - The Medicity, and Paras Hospitals.
  • In Mumbai, policyholders can visit Kokilaben Dhirubhai Ambani Hospital and Jaslok Hospital for cashless treatment.
  • Bangalore offers network hospitals such as Narayana Health and Columbia Asia Referral Hospital.
  • In Chennai, Apollo Hospitals and Fortis Malar Hospital feature on the list.
  • In Hyderabad, policyholders can visit Yashoda Hospitals and Continental Hospitals.
  • Pune offers network hospitals like Ruby Hall Clinic and Sahyadri Hospitals.
  • In Kolkata, Apollo Gleneagles Hospitals and Medica Superspecialty Hospital are available.
  • Ahmedabad features network hospitals, including CIMS Hospital and SAL Hospital.
  • Lastly, Chandigarh offers Fortis Hospital and Alchemist Hospital for cashless treatment facilities.

This extensive network is a valuable feature of ManipalCigna Health Insurance, offering convenience, accessibility, and quality healthcare to policyholders across the country.

Cashless Claim Process of ManipalCigna Health Insurance

Discover how to effortlessly access cashless claim facilities under ManipalCigna Health Insurance with this step-by-step guide. Simply inform the insurer about hospitalization, submit the required documents with the claim form for pre-authorization at network hospitals, and receive hassle-free claim settlements directly from the insurer, ensuring seamless medical care without financial strain.

Step-by-step guide on How to Avail Cashless Claim Facility Under ManipalCigna Health Insurance

To avail of the cashless claim facility under ManipalCigna Health Insurance, follow these steps:

Step 1: Inform the insurance provider about the hospitalization and treatment. Contact the customer service hotline or visit the nearest network hospital for assistance.

Step 2: Display necessary documents, including the health insurance card, photo ID, diagnostic tests, and any medical records or reports related to the treatment.

Step 3: Request pre-authorization for the cashless claim by submitting the pre-authorization form along with the medical history documents to the insurance desk at the network hospital.

Step 4: The insurer will review the documents and provide approval for the cashless claim within a specified time frame.

Step 5: Upon approval, the insured can avail of the cashless facility for the approved amount without making any out-of-pocket payments at the network hospital.

Step 6: After the hospitalization, discharge, and treatment, the network hospital will submit the final medical bill, discharge papers, and medical records to the insurer for claim settlement.

Step 7: The insurer will finalize the claim and settle the approved amount directly with the hospital, ensuring a hassle-free cashless claim settlement experience for the policyholder.

Benefits and Advantages of the Cashless Claim Process

The cashless claim process offers numerous advantages, such as easy access to a vast network of 6500+ hospitals, seamless pre-authorization procedures, and dedicated assistance from claims service associates. With payments made directly to the network hospital, policyholders can enjoy convenience by submitting documents for pre-authorization at the insurance desk, ensuring a hassle-free and efficient claim settlement experience.


What renewal options are available for ManipalCigna Health Insurance policies?

ManipalCigna Health Insurance provides policyholders with the flexibility to renew their policies through either online or offline methods, depending on their preference and convenience.

How long does ManipalCigna typically take to process a claim?

Generally, decisions on claims are provided within 7 (seven) working days from the receipt of the last 'necessary' document. However, in certain special cases, the timelines may be extended but do not exceed 30 days.

How extensive is Manipal Cigna's branch network in India?

With its headquarters situated in Mumbai, Manipal Cigna maintains a nationwide presence, boasting 47 branches and numerous distributors spread across 177 cities in India.

What distinguishes medical insurance from health insurance?

Health insurance typically offers broader coverage compared to medical insurance. While medical insurance primarily covers hospitalization expenses, pre-specified diseases, and accidents up to a predetermined limit, health insurance provides comprehensive coverage for pre-hospitalization, hospitalization, and post-hospitalization expenses. Additionally, depending on the health plan chosen, health insurance may also cover ambulance expenses.

How long does ManipalCigna offer the grace period for the premium payment?

There is a grace period of 15 days offered by Manipal Cigna Health Insurance Company after the expiry of your policy.

What happens if a customer fails to pay the premium?

Suppose a customer fails to pay the premium. In that case, the policy will lapse, resulting in the loss of benefits like no-claim bonus and waiting period.

What is the payment of premium interval provided by Manipal Cigna Health Insurance?

For every policy, Manipal Cigna Health Insurance offers a one-year premium payment interval.

How can a claim be filed with a ManipalCigna Health Insurance plan?

To file a cashless claim under ManipalCigna health insurance plans, inform the insurance company, display your documents, request pre-authorization, get cashless treatment approval, and proceed with claim settlement. For reimbursement claims, pay the entire hospital bill, submit the required documents to the insurance company for verification, and transfer the claim amount to your bank account.

Does ManipalCignna offer any discount on policy renewal?

Yes, you can avail of a loyalty discount on your policy renewal premium when you renew your health insurance policy.

Does ManipalCigna provide pre-policy checkups free of cost?

Yes, the cost of all pre-medical tests is borne by ManipalCigna.

What is the entry age for ManipalCigna health insurance?

ManipalCigna offers 91 days as entry age on a floater basis.

Does ManipalCigna cover pre-existing diseases under the plan?

Pre-existing diseases/illnesses/injuries/conditions are covered after 24/36 months of continuous cover; it will depend upon the plan and sum insured opted.

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