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 upIndemnity 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 CoverageEmployers 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 BenefitManipalCigna 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 RatioManipalCigna 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 ExpensesThe 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 RatioThe 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 BenefitHealth 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 Plan||Sum Insured|
|Pro HealthMin: 91 Days; Max: No Limit||2 Lakh||Get Quotes Now|
|Lifestyle Protection Critical CareMin: 18 Years; Max: 65 Years||1 Lakh||Get Quotes Now|
|ProHealth SelectMin: 91 Days; Max: 65 Years||50 Thousand||Get Quotes Now|
|ProHealth CashMin: 91 Days; Max: 65 Years||500/day||Get Quotes Now|
|Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years||1 Lakh - 5 Lakh||Get Quotes Now|
ManipalCigna Health Insurance User Reviews
Easy to buy online from InsuranceDekho
I am happy to have chosen InsuranceDekho to fulfil my health insurance requirement. It was very easy to buy ManipalCigna Arogya Sanjeevani Policy from...Read More
Reliable insurance broker-Insurance Dekho
Insurance Dekho is a trusted health insurance broker. I can say this because this is the second time I have availed of their services. This time I pur...Read More
Health is wealth.
Best Service by ManipalCigna and InsuranceDekho.
It was a good experience altogether with InsuranceDekho
InsuranceDekho always helps me find the most suitable health insurance plan for myself and my family. I recently brought ManipalCigna’s Arogya S...Read More
Covers cash requirement when you need it
Pro health cash an average plan but is useful as it offers me lump sum cash at the time of hospitalisation.. The minimum entry age under this plan wa...Read More
Buy this even if you have a basic plan
Pro health cash plan from manipalcigna is as useful as your standard health isnurance plan. This provides you money in lump sum at the time of hospita...Read More
Wide coverage features n extra benefits
Not only does this policy provide wide coverage features, but also extra benefits.. i got a chance to save taxes by purchasing this policy.. you can a...Read More
Should cover mental illness too.. Otherwise good.
Lifestyle protection critical care plan is the one that i purchased from insurancedekho last week. The plan covers me for many critical illnesses but ...Read More
It was smooth and took only a few minutes to buy
Buying health insurance from insurancedekho was a good experience. I got to know many things which i did not know abt health insurancve earlier. The b...Read More
Within 10 days 100% reimbursement
Very supportive adviser and also 100% reimbursement.
Comprehensive plans..yet nominal premium
I am a fan of manipal cigna for their extraordinary services. I purchased a plan from them last year and have renewed it this year too because i found...Read More
Appreciate the services of insurancedekho
Unlike other insurance providers, the serviced from insurancedekho were hassle free and they sold me the plan without any stress. Neither do they call...Read More
Great benefits under pro health select
I found about pro health select plan from my friend and visit the website of insurancedekho to buy it. I also called at the toll free number 180012056...Read More
Loved the online policy facility of manipal cigna
The process of buying policies from manipal cigna online was a big relief for me. All I did was make a call in insurancedekho and their customer care ...Read More
Inusrancedekho understand customer needs!!
Good company...offers plans at affordable premium and gives me many benefits also. Take help from insurancedekho if you are not able to decide which p...Read More
Sales people gave me all the details of my plan
Insurancedekho is a nice company which is new in market but has already a hold through other sister companies too., I gave it a try and found the serv...Read More
It is a good plan with add on benefits too
I purchased Pro Health and found is a fair health insurance plan. The plan is affordable and the best part is that it is available with critical illne...Read More
Thank you "www.insurancedekho.com" for helping me choose one of the best policy.
Plenty of options
Plenty of plans to choose from. the team helped me to avoid all the confusions
Good plan covering all my requirements. I am satisfied.
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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 numberis 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.