ManipalCigna Health Insurance Benefits

ManipalCigna Health Insurance

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Highlights

Network Hospitals6,969+
Policies Sold2,29,817
Incurred Claim Ratio62%
Lifelong RenewabilityLifelong
Claim Settlement Ratio89.50%
In-House Claim SettlementIn-House Claim Settlement
COVID-19 CoverYes

Benefits of ManipalCigna Health Insurance

ManipalCigna Health Insurance Company Limited, a standalone health insurance company, was launched in the year 2014. The company is a joint venture between Cigna Corporation and Manipal Group. While the former is a global health services provider, the latter is an Indian group. 

ManipalCigna is present in India across 15 leading cities. The company also has been recognized for its products and services. It was awarded the Economic Times Best Promising Brand 2015. It is also the official health insurance partner for the Standard Chartered Mumbai Marathon.

ManipalCigna has a range of health insurance plans to offer. Since it is a standalone health insurer, its plans are innovative and the best in their categories. ProHealth plans are the signature health plans offered by ManipalCigna which have unparalleled coverage benefits.

  • Additional Benefit of Free Health Check up

    Indemnity based health insurance plans of the company allow the benefit of free health check-ups for the insured members. These check-ups are provided either once every year or once in a period of 2-4 policy years.
  • Additional Protection over Employer Coverage

    Employers usually provide their employees with group health insurance coverage. However, these group plans might not have the sufficient coverage level or the required coverage benefits. Cigna TTK therefore offers employees with independent health insurance plans to supplement their employer’s coverage at affordable premiums.
  • Cashless Benefit

    ManipalCigna​ has tied-up with leading hospitals across India to provide you with cashless claim benefits. Cashless claim is when you don’t have to shoulder your medical costs and your costs are paid directly by the insurance company. By partnering with leading hospitals, ManipalCigna​ provides customers easy access to cashless claims.
  • Claim Settement Ratio

    ManipalCigna​ also has 84.91%* claim settlement ratio as it endeavours to settle its claims quickly and smoothly. The company has a dedicated in-house claim management team which helps in getting your claims settled within the shortest possible time. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    The health plans offered by ManipalCigna​ boast of some of the best coverage benefits. Coverage is offered for inpatient hospitalisation, day care procedures, organ donor treatments, domiciliary treatments, ambulance costs, etc. Moreover, under some plans, emergency worldwide coverage is also offered making the health plans of the company international in their scope of coverage.
  • Incurred Claim Ratio

    The Incurred Claim Ratio (ICR) of ManipalCigna​ was 62%* for the financial year 2018-19. The ICR is calculated by dividing the amount of claims paid with the total amount of premiums earned in a financial year. A low ratio indicates high profits and since ManipalCigna’s ICR was only 46.29%, it shows that the company earned handsome profits which helped strengthen the company’s finances. *The incurred claim ratio change from time to time.
  • Tax Benefit

    Health insurance plans earn you tax benefits. The premiums that you pay for a health insurance policy are allowed as a tax-free deduction under Section 80D of the Income Tax Act. You can claim a maximum deduction of up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) under this section.

ManipalCigna Health Insurance Plan List

Name of PlanSum Insured
Pro HealthMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Lifestyle Protection Critical CareMin: 18 Years; Max: 65 Years1 Lakh Get Quotes Now
ProHealth SelectMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
ProHealth CashMin: 91 Days; Max: 65 Years500/day Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Get Quotes Now

ManipalCigna Health Insurance Top Up List

Name of PlanSum Insured
Pro HealthMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

ManipalCigna Health Insurance User Reviews

What users are saying
  • Amazing plan

    ManipalCigna Arogya Sanjeevani Policy is a comprehensive policy that covers me and my entire family against ma...

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    G
    Arogya Sanjeevani Policy
    By Gurdeep Singh
    On: Jun 18, 2020
  • Easy to buy online from Insura...

    I am happy to have chosen InsuranceDekho to fulfil my health insurance requirement. It was very easy to buy Ma...

    Read More
    M
    Arogya Sanjeevani Policy
    By Mandeep Kaur
    On: Jun 18, 2020
  • Affordable policy

    ManipalCigna Arogya Sanjeevani Policy is an affordable health insurance policy that I recently bought from Ins...

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    S
    Arogya Sanjeevani Policy
    By Sunny Jha
    On: Jun 17, 2020
  • Satisfied with the coverage fe...

    My friend suggested me to purchase ManipalCigna Arogya Sanjeevani Policy from InsuranceDekho as he was quite s...

    Read More
    N
    Arogya Sanjeevani Policy
    By Neha Malhotra
    On: Jun 16, 2020
  • Very much satisfied!!

    This is the most joyful plan I have ever had. I took it while planning a baby. I easily passed the maternity p...

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    M
    Joy
    By Meera Deshmukh
    On: Feb 28, 2020
  • Great plan...

    This is one of the best plans that is designed for women to deal with their maternity period. I will be renewi...

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    N
    Joy
    By Neha Singh
    On: Feb 28, 2020
  • Plan gives me financial protec...

    One can buy this policy on individual or family floater basis. I liked this plan because it comes with high ra...

    Read More
    V
    ProHealth Select
    By Vidya Bhushan
    On: Feb 24, 2020
  • Comprehensive product.

    I am covered under this plan since a few months now. This is a great product that offers me many benefits like...

    Read More
    T
    ProHealth Select
    By Teena Sharma
    On: Feb 24, 2020
  • Worldwide coverage option

    Pro health cash is a great health insurance plan if you want daily benefit at the time of hospitalisation. Als...

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    S
    ProHealth Cash
    By Shailendra Singh
    On: Feb 24, 2020
  • Convalescence benefit also ava...

    I had purchased this plan last month from insurancedekho and the process went well. This plan will prove to be...

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    V
    ProHealth Cash
    By Ved Prakash Singh
    On: Feb 24, 2020

ManipalCigna Health Insurance Contact Details

Reach us for help anytime

ManipalCigna Health Insurance FAQs

  • Whom should I contact for claim intimation and settlement?

    You can notify either InsuranceDekho or ManipalCigna directly by calling at customer care numbers for planned or emergency hospitalisation. InsuranceDekho toll-free number is 1800-120-5698. 

  • What is the time limit for claim submission in 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 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 48 hours of your admission in case of emergency and 3 days before in case of planned treatment.

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