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ManipalCigna Health Insurance Benefits

Present in India across 15 leading cities, ManipalCigna Health Insurance Company Limited has been recognised widely for the products and services that it offers. When it comes to health insurance, the company offers a wide range of unique options that provide comprehensive coverage. Individual health insurance plans, family floater health insurance plans, senior citizens health insurance plans, critical illness health insurance plans, and other types of health insurance plans are available.These plans offer the policyholders unparalleled coverage benefits. The insurer also has a good Claim Settlement Ratio (CSR) which indicates that it can handle the claims well.

Additional Benefit of Free Health Check up

ManipalCigna Health Insurance plans offer the policyholders the benefit of free health check-ups. The policyholders can avail this benefit either once every year or once in a period of 2-4 policy years.

Additional Protection over Employer Coverage

Employers typically give group health insurance to their employees. These group plans, on the other hand, may not provide adequate coverage or the required coverage advantages.ManipalCigna Health Insurance therefore offers employees with independent health insurance plans to supplement their employer’s coverage at affordable premiums.

Cashless Benefit

ManipalCigna has partnered with some of India's most renowned hospitals to provide you with cashless claim advantages. When you file a cashless claim, you don't have to pay for your medical expenses yourself; instead, the insurance company pays them immediately.By partnering with leading hospitals, ManipalCigna​ provides customers easy access to cashless claims.

Claim Settlement Ratio

ManipalCigna​ has a good Claim Settlement Ratio (CSR) of 85.72% for FY 2019-2020. This shows that the insurer endeavours to settle its claims smoothly within the stipulated time. The company has a dedicated in-house claim management team which helps the insured in getting their claims settled within the shortest possible time. Note that the CSR of an insurance company changes from time to time.

Coverage against Medical Expenses

ManipalCigna's health insurance policies provide comprehensive coverage features. In-patient hospitalisation, day care procedures, organ donor treatments, domiciliary therapies, ambulance services, and other charges are covered by the plans. Furthermore, some plans cover the insured for emergency worldwide coverage, making their scope of coverage global.

Incurred Claim Ratio

The Incurred Claim Ratio (ICR) of ManipalCigna​ for the financial year 2018-19 was 54%. ICR in health insurance is calculated by dividing the amount of claims paid with the total amount of premiums earned in a financial year. High ICR indicates low profits whereas low ratio indicates high profits and since ManipalCigna’s ICR was only 54%, this shows that the company earned handsome profits which helped strengthen its finances. Note that Incurred Claim Ratio (ICR) changes from time to time.

Tax Benefit

The policyholders can avail tax benefits on the premium paid for ManipalCigna Health Insurance plans under Section 80D of the Income Tax Act, 1961. You can claim a maximum deduction of up to Rs. 55,000 (Rs. 25,000 for individuals and Rs. 30,000 for senior citizens) under this section.

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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)
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Key Features of ManipalCigna Critical Illness Insurance Policy

ManipalCigna critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • Medical second opinion
  • Discounts on policy premiums

ManipalCigna Critical Illness Plan is a solution to avail the best treatment if you or other insured members are diagnosed with a critical illness.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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

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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  • 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
  • Smooth buying process

    InsuranceDekho always offers a smooth buying process. I bought from them the ManipalCigna Health Insurance Policy recently and enjoyed a smooth buying process. I really appreciate their services.

    By Harish Pawar
    On: Aug 24, 2023
  • Great policy benefits

    I am happy to have bought the Care Health Insurance- Joy at InsuranceDekho. I bought it on a friend’s recommendation as it offers great coverage benefits. It was easy to buy the policy at the portal and I will visit it again for any insurance-related needs. 

    By Aseem Arora
    On: Aug 11, 2023

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