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ManipalCigna Health Insurance

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ManipalCigna Health Insurance
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

ManipalCigna Health Insurance Company Limited is the result of a collaboration between the Manipal Group in India and Cigna Corporation in the USA. Since its inception in 2014, the company has excelled in offering top-notch health insurance plans and policies. Furthermore, the company has made a significant impact by serving the healthcare needs of over 93,000 customers.

One of the key indicators of ManipalCigna's efficiency is its impressive track record in claims processing. With over 14.25 lakh claims served, the company has established itself as a reliable provider, settling an outstanding 94% of cashless approvals within a remarkably quick timeframe of 2 hours. [1]

About ManipalCigna Health Insurance

ManipalCigna's health insurance plans are designed to cater to diverse healthcare requirements. These plans provide coverage for hospitalisation, personal accidents, critical illnesses, and more. Not only this but ManipalCigna medical insurance policies also ensure a comprehensive approach to health protection. The company is committed to providing substantial coverage, with plans offering benefits up to Rs. 3 Crore, all while maintaining affordability. [2]

Key Features

Key features of ManipalCigna Health Insurance are listed below:

  • Unlimited Restoration: In case you exhaust your entire health insurance limit, the unlimited restoration feature automatically reinstates your coverage to its original amount, and this restoration is done at the initial cost. This feature ensures that you can continue to avail benefits even if your initial coverage is used up.
  • Domestic Second Opinion: Within major plans of ManipalCigna Health Insurance, you have the option to seek a second opinion for 36 critical illnesses from a domestic medical expert. This provides an additional layer of assurance.
  • Annual Health Check-ups: All adults covered by ManipalCigna Health Insurance can undergo an annual health check-up starting from the first year. Regular health check-ups can help in early detection of potential health issues and contribute to preventive healthcare.
  • Daily Hospital Cash: Certain manipalCigna medical insurance plans offer a daily cash allowance based on your sum insured. You can receive a maximum of Rs. 7000 per day as daily hospital cash.
  • Bariatric Surgery Cover: Plans such as Prime Protect and Prime Advantage include coverage for bariatric surgery. This coverage is designed to support individuals undergoing weight-loss surgeries, addressing a specific healthcare need.
  • Covers Pre-existing Illness for Senior Citizens: ManipalCigna Health Insurance extends coverage for pre-existing illnesses for senior citizens. This feature provides financial protection to elderly people in case of existing medical conditions. [2]

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Key Metrics

The table below highlights the key metrics of ManipalCigna Health Insurance:

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered


Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [3]

*Life covered here refers to the number of people insured and the data is taken from ManipalCigna Health Insurance's official website.

InsuranceDekho is a 5-Star Partner of ManipalCigna Health Insurance

ManipalCigna Health Insurance Plan List

  • Individual (11)
  • Family (11)
  • Woman (11)
  • Parents (10)
  • Blood Pressure (11)
  • Kids (11)
  • Thyroid (11)
  • Diabetes (11)
  • Heart (5)
  • Senior Citizen (6)
  • Maternity (3)
See More Plans

Eligibility to Purchase ManipalCigna Health Insurance Plan

Read the below-mentioned points for checking eligibility to purchase ManipalCigna Health Insurance:

1. Age

  • For individual plans, the applicant must be between 18 and 65 years old.
  • Family floater plans cover children from 91 days up to 24 years and adults aged 18 years and above.
  • Special plans are available for senior citizens aged 65 years and above.

2. Medical Tests

  • Certain medical tests are conducted to customise the insurance plan as per the customer's specific needs.
  • Diagnostic tests, including urine, blood, and organ function analyses, are performed to identify potential health risks.

3. Pre-existing Conditions

Mentioning your pre-existing conditions is important to make sure you get proper health coverage

ManipalCigna Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Maternity (1)
  • Woman (1)
Name of PlanSum Insured
Super Top-Up Policy Min: 91 Days ; Max: No Max Limit3 Lakh - 30 Lakh Check Premium
Pro HealthMin: 91 Days; Max: No Limit2 Lakh Check Premium
Lifetime Health Insurance PolicyMin: 91 Days; Max: 65 years Check Premium

Top Plans offered by ManipalCigna Health Insurance Company

Here’s the list of top plans offered by ManipalCigna Health Insurance:


Plan Type

Sum Insured

Ideally Suited For

Prime Senior

Individual and Family Floater

Rs. 3 lakhs to Rs. 50 lakhs

Senior Citizen

Lifetime Health

Individual and Family Floater

Rs. 50 lakhs to Rs. 3 crores

People looking for high coverage at cheaper cost

Prohealth Prime Advantage

Individual and Family Floater

Rs. 5 lakhs to Rs. 1 crore


Prohealth Prime Active

Individual and Family Floater

Rs. 3 lakhs to Rs. 15 lakhs


Prohealth Prime Protect

Individual and Family Floater

Rs. 3 lakhs to Rs. 1 crore


Riders Offered By ManipalCigna Health Insurance

The following riders are some of the top ones offered by ManipalCigna Insurance:

  • Critical Illness Cover: ManipalCigna covers you for 30 different critical illnesses and the sum assured is offered on the first diagnosis of any of them.
  • Personal Accident Cover: Some plans of ManipalCigna Health Insurance cover comprehensive coverage for accidental death, and permanent partial and total disability under personal accident cover.
  • Daily Hospital Cash: With the daily hospital cash rider you can avail of daily expense costs from ManipalCigna for costs other than hospitalisation.
  • Upgrade to a room of your choice: Get a room upgradation option with ManipalCigna without any additional cost with the room upgrade rider.
  • Air Ambulance Rider: In some plans, get an air ambulance rider to avail of air ambulance service at zero or nominal cost.

*Please note: Riders can be availed by paying an additional premium for them along with your plan. Riders may vary depending on the plan you choose.

How To Purchase ManipalCigna Health Insurance Policy?

Purchase ManipalCigna Health Insurance Policy either online or offline by following these processes:

Purchase ManipalCigna Health Insurance Policy via InsuranceDekho

Step 1: Enter Your Information on the InsuranceDekho Website

Visit the official InsuranceDekho website and enter your basic details, including your mobile number, age, and pin code on the Health Insurance page. [4]

Step 2: Compare Health Plans

After providing your information, the plan page will showcase the most suitable ManipalCigna health insurance plans tailored to your customer profile. You can choose the plan that best fits your needs.

Step 3: Make the Premium Payment

Fill out Proposal Form 1, respond to two health-related questions in Proposal Form 2, submit your KYC, and proceed to pay the premium for the selected ManipalCigna health insurance plan.

Step 4: Follow-up Communication After Payment

Following the payment, an InsuranceDekho manager will contact you to assist with issuing your policy.

Purchase ManipalCigna Health Insurance Policy via Insurer Website

Here’s how you can purchase health insurance via insurer's website:

Step 1: Go to the ManipalCigna Website

Start by visiting the ManipalCigna health insurance website [5] and enter the required details like number of adults, kids, DOB, and Gender.

Step 2: Proceed Further

After providing the details, click on the "Continue" button and you will see a list of ManipalCigna health plans. Out of all the listed options, make sure you opt for the one that satisfies your requirements.

Step 3: Premium Payment

In the next step, pay the premium for the selected medical insurance policy.

After successful payment, you will receive the confirmation of your ManipalCigna medical insurance purchase.

Offline Process

In the offline process, you can get in touch with our agents, and they will help you by giving you information about the right insurance plan for you to buy.

Benefits of Purchasing Your Policy from InsuranceDekho

The advantages of buying your health policy from InsuranceDekho are as follows:

  • Dual Claim Assistance: InsuranceDekho provides dual claim assistance to facilitate a smooth and efficient claim settlement process.
  • Priority Approvals from Insurers: We actively support you in obtaining priority approvals from insurance companies. This assistance is aimed at expediting the approval process, making it quicker and more efficient for you to get the coverage you need.
  • Policy Renewal Support: Our services extend beyond initial policy purchase to include assistance with policy renewals. Whether you need to renew your existing policy or make changes to it, such as updating personal details like name or address, InsuranceDekho will help you.
  • Unbiased Advice: To ensure you make informed decisions, we offer advice on insurance plans based on a thorough industry scan. Our unbiased approach provides recommendations that suit your specific needs and preferences.

Documents Required for Purchasing Your Policy

The list of documents required when buying ManipalCigna Medical Insurance is as follows:

  • Copy of the Proposal Form or OTP Verification
  • Proof of Age (Aadhaar Card, Voter ID, PAN card, Driver's License, Passport)
  • Address Proof (Ration card, Driver's license, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or Utility Bills)
  • Medical Reports
  • Passport-size Photographs

How to Claim Your Health Insurance?

With the "Cashless Everywhere" feature, you can now claim reimbursements from any hospital, provided they accept this facility. However, it's crucial to inform ManipalCigna before raising the claim. For planned hospitalisations, notify your insurer at least 48 hours before admission. In emergencies, intimate them within 48 hours after hospitalisation. [6]

Please note that this service is not available in ManipalCigna’s blacklisted hospitals. [7]

Awards and Achievements of ManipalCigna Health Insurance

  • Best Innovation for Product: Banking Frontier's Insure Next Awards and Conclave 2024
  • Health Insurance Company of the Year: BFSI Leadership 2024
  • Most Innovative Insurer of the Year 2023: FICCI Insurance Industry Awards 2023
  • Leader in Customer Engagement Initiative: BFSI Tech Innovations Awards 2023
  • Best Health Insurance Company: Future of Insurance Summit & Awards 2023
  • Great Place to Work 2023 & 2022
  • Best Health Insurance Brand: The Economic Times Best Healthcare Brands 2021
  • Product of the Year Award for ManipalCigna ‘Lifetime Health’: Product of the Year 2021
  • Digital Transformation Award: Red Hat APAC Innovation Awards 2020 [8]

ManipalCigna Health Insurance - Customer Service & Support

People can use the provided contact details for seamless and efficient interaction with ManipalCigna Health Insurance Customer Care: [9]

  • Toll-Free Number for Callers within India: Callers within India can dial 1800-102-4462 for assistance with ManipalCigna health insurance inquiries.
  • International Contact Number: Callers outside India can contact ManipalCigna on their international helpline number +91 22 4985 4100.
  • Email Support: For general queries, you can reach out to them at In case you need help with policy alterations, you can send your requests to

Complaints & Grievance Redressal

In case of any grievance, you can take the help of the following steps:

  • Priority Assistance Channels: For quick answers to your questions and concerns, call ManipalCigna at their toll-free number 1800-102-4462. The operating hours for phone assistance are between 9:00 AM to 9:00 PM.
  • Written Correspondence: If you prefer written communication, you can email your queries to Specifically for senior citizens seeking assistance, there is a dedicated email address
  • Mailing Address for Grievances: In case you need to address any grievances through traditional mail, you can write to the Grievance Management Cell at: Grievance Management Cell, 401/402, Raheja Titanium, Western Express Highway Goregaon (East), Mumbai – 400 063. [10]

NOTE: If you encounter any concerns or grievances, InsuranceDekho can also provide assistance. You can contact Mr. Rohit Khurana, the Grievance Redressal Officer, at If your concern remains unresolved, you have the option to escalate the matter to the Principal Officer at For additional details, please visit our Grievance Redressal page. [11]



Health Insurance News


  • Whom should I contact for claim intimation and settlement?

    You can notify either InsuranceDekho or ManipalCigna directly by calling on their customer care numbers for planned or emergency hospitalisation. FYI, InsuranceDekho's toll-free number is 7551196989

  • What is the time limit for claim submission in the case of the cashless facility?

    You need to submit the claim within 15 days from the date of discharge from the hospital.

  • Is pre-policy medical checkup free?

    Yes, ManipalCigna bears the cost of all pre-medical tests.

  • Does ManipalCigna share medical reports if a policy is not issued?

    Yes, the medical reports are shared if you request them in writing.

  • What to do if a cashless hospital is not available at my location?

    You can choose a non-network hospital for the treatment and raise a reimbursement claim. However, you need to inform the insurance company within 24 hours of your admission in case of emergency and 3 days before in case of planned treatment.

User Reviews

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  • Help received to locate the ne...

    Impressed by Manipal Cigna's wide network of hospitals. Smooth claim settlement and good value for money. InsuranceDekho helped me locate the network hospital under Manipal Cigna’s network when I needed a hospital urgently. Thank you InsuarnceDekho for helping me in my times of need.

    By Lakshay Chauhan
    On: May 28, 2024
  • InsuranceDekho helped clear my...

    InsuranceDekho convinced me to purchase health insurance online even though I was hesitant. Their portal made the entire process easier, and it was simple for me to compare various plans. I'm sure now that I made the best decision for my family and myself by buying the ManipalCigna health insurance.

    By Kunal Yadav
    On: May 28, 2024
  • Easy to Understand the Policy

    The InsuranceDekho website is quite easy to understand every process and feature. In no time I was able to buy the ManipalCigna Health Insurance plan, even the customer care team of Insurancedekho was helping me throughout the buying process. Thank You!

    By Sajid Khan
    On: Mar 05, 2024
  • Compare Plans Easily

    My purchase of the Manipal Health Insurance was smoother and more convenient. It was so easy to buy insurance online through Insurancedekho’s website. Moreover, I compared the health insurance policies through the online platform with ease. Happy to get secured with the best health plan. Thankyou InsuranceDekho.

    By Shikha Sharma
    On: Feb 07, 2024
  • Online Premium Calculator

    The online premium calculator available on InsuranceDekho helped me to find out the premiums of different health insurance plans. When I found that the premium of the ManipalCigna Health Insurance plan matched my budget, I spent no further time buying it.

    By Prince Singh
    On: Dec 11, 2023