ManipalCigna Health Insurance

  • More than 99% Claim Settlement Ratio
  • Lucrative Wellness Programs
  • More than 8500 Network Hospitals

ManipalCigna Health Insurance is a well-known brand in the insurance sector and is a stand-alone health insurance provider. Manipal Group and Cigna Corporation have partnered to create the business. It provides a wide range of insurance options, including individual insurance, family floater, critical illness, personal accident, group mediclaim, and top-up health insurance to fulfill various customers' medical needs.

ManipalCigna Health Insurance has made a name for itself as a leader in the healthcare sector with its state-of-the-art products and services serving over 180 million consumers globally. Read the sections below to learn more about ManipalCigna Health Insurance Company.

Manipal Cigna Health Insurance Company Specification

Below are the key specifications of Manipal Cigna Health Insurance Company.

Particular Specifications
Network Hospitals 8500+
Incurred Claim Ratio (2021-22) 76.17%
Claim Settlement Ratio (less than 3 hrs) (2021-22) 99.90%
Solvency Ratio (2021-22) 1.67
Market Share (2021-22) 986.18 crore

*Data has been sourced from the annual report of IRDAI 2021-22

Key Features of Manipal Cigna Health Insurance

To understand the advantages and benefits of ManipalCigna Health Insurance, check out the key features listed below, which will help in a more in-depth analysis of the company and enable you to make a wise choice:

  • Network Hospitals

    ManipalCigna Health Insurance has tie-ups with more than 8500+ hospitals. These hospitals enable policyholders to avail of cashless treatment when medical emergencies arise.

  • Claim Settlement Ratio

    The claim settlement ratio of a health insurance company helps you analyze its claims-settling ability. ManipalCigna has one of the best claim settlement ratios in the health insurance industry. As per the IDRAI 2021-22 annual report, ManipalCIgna Health Insurance has a claim settlement ratio of 99.90.

  • Solvency Ratio

    According to the IRDAI annual report 2021–22, ManipalCigna Health Insurance has a Solvency Ratio of 1.67. Solvency ratios help determine a company's ability to meet its financial commitments to potential customers. In addition, IRDAI has mandated all insurance companies to maintain a minimum solvency ratio of 1.5.

Manipal Cigna Health Insurance Plan Available in India

Manipal Cigna Health Insurance offers various types of health insurance plans in India to meet the different healthcare needs of customers. Moreover, ManipalCigna’s flagship health plan ‘ProHealth Insurance Plan’ was awarded Product of the Year in 2019. Below are the health plans offered by Manipal Cigna Health Insurance:

Manipal Cigna Individual and Family Health Insurance Plans

ManipalCigna Senior Citizen Health Insurance 

Critical Illness Health Insurance Plan

Benefits of Manipal Cigna Health Insurance

ManipalCigna offers various types of health insurance policies, such as individual health plans, family health plans, group health insurance, critical illness health insurance, accidental health plans, daily hospital cash insurance, and more. Following are some of the unique benefits and advantages that policyholders can avail of while purchasing the ManipalCigna health insurance plan:

  • Healthy Lifestyle Rewards

    ManipalCigna promotes healthy living and inspires people to make positive lifestyle changes. Moreover, it offers numerous rewards to people who follow a healthy lifestyle by including multiple features in their health plans.

  • Health and Wellness Program

    ManipalCigna offer its customers an exclusive health and wellness program that enables holistic wellness.

  • High Sum Insured Option

    ManipalCigna Health Insurance offers high-sum insured to customers to meet various medical expenses. Additionally, the insurance company has created unique, customizable health plans, especially for international travellers.

Manipal Cigna Health Insurance Plans Premium Calculation

ManipalCigna Health Insurance allows customers to use the ManipalCigna Health Insurance premium calculator to calculate the premium for health insurance plans online. Customers can use this calculator to check the estimated payment amount of their desired ManipalCigna health plan. You just need to enter the below-mentioned details to calculate the premium amount:

  • Age
  • Date of Birth
  • Medical History of the Customer
  • Opted Sum Insured Amount
  • Additional Riders
  • Members added to the policy
  • Policy Tenure

Why Buy Manipal Cigna Health Insurance Plans

ManipalCigna has a lot to offer to its customers. Below mentioned are some of the offerings on which you can buy health plans from Manipal Cigna Health Insurance:

  • High Claim Settlement Ratio
  • 24x7 Customer Support
  • Attractive Wellness Programs
  • Worldwide Cover
  • More than 8500+ empanelled hospitals across PAN India

ManipalCigna Health Insurance Exclusions

Below are the common diseases and conditions that are not covered under Manipal Cigna Health Insurance plans, but they may vary from plan to plan.

  • Suicide or attempted suicide
  • Cosmetic Surgery
  • Sexually transmitted diseases (STDs) like HIV
  • Weight reduction treatment
  • Alcohol or drug abuse
  • Injuries happened due to participation in adventurous sports
  • Medical expenses incurred due to war or similar conditions

Manipal Cigna Health Insurance Buying Process

You can buy ManipalCigna Health plans through two ways, i.e. from the official website of ManipalCigna Health Insurance and “RenewBuy.com”. Below are both the buying processes for ManipalCigna health insurance plans:

Buy from "RenewBuy.com"

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance Plan" tab.
  • Select the desired plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Make payment.
  • We will send the policy documents to your registered email ID

Buy from the official website of ManipalCigna Health Insurance

  • Visit the official website of "ManipalCigna Health Insurance".
  • Click on the "Product" tab.
  • Select the desired health plan.
  • Click on the “Quote” button
  • Fill out the form that shows on the next page
  • Click on the "Buy Now" button and make payment.
  • Make an online payment, and the insurance company will send the policy documents to your registered email address.

Manipal Cigna Health Insurance Claim Process

ManipalCigna Health Insurance provides a simple and convenient claims settlement process. You can either choose cashless claims or can go for reimbursement claims:

Cashless Claim Process

  • Intimate the ManipalCigna health insurance company about planned or unplanned hospitalization.
  • Provide the health card at the network hospital along with the ID proof.
  • Then, the network hospital will send the pre-authorization form and medical records to Manipal Cigna health insurance company to verify the details.
  • After the patient's discharge, the hospital will send the discharge summary to the health insurance company to authorize the claim amount.
  • Once everything is done, ManipalCigna will pay the amount to the network hospital.

Reimbursement Claim Process

If you are admitted to a non-network hospital, you must pay the hospital directly after the treatment.

To file a reimbursement claim, you need to submit the following documents to Manipal Cigna health insurance within 15 days of discharge:

  • KYC documents
  • Health card
  • Claim form (Part A & B)
  • Hospital bills
  • Original discharge summary
  • All consultation papers
  • The invoice with payment receipt

After verifying the documents, ManipalCigna will approve the claim and the claim amount will be reimbursed to the registered bank account.

ManipalCigna Health Insurance Renewal Process

You can renew your ManipalCigna Health plan online. Below mentioned are the steps to renew your Manipal Cigna health plans:

  • Visit the company's official website of the Manipal Cigna Health Insurance and click on the 'Renewal' section.
  • Select the customer type, i.e. Retail Customer or Group Customer.
  • Enter your policy number and click 'Proceed'. 
  • The next screen will show you the renewal premium amount.
  • Click on the 'Pay now' button to make the payment.
  • On successful payment, you will receive the new policy kit on your email ID to you within 48 hours.

Manipal Cigna Health Insurance Contact Details

Below mentioned are the contact details of ManipalCigna Health Insurance:

Address: ManipalCigna Health Insurance Company Limited 401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai 400063.

Email ID: customercare@manipalcigna.com

Toll-Free Number: 1800-102-4462

Callers Outside India: +91 22 4985 4100

 

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