ManipalCigna Health Insurance - Compare plans, reviews & renew online

Established in 2013, ManipalCigna Health Insurance Company Limited is a well-known name in the health insurance sector. The company is a joint venture between the Manipal group and Cigna Corporation. It has a wide presence across the country and provides personalized, customer-centric service.

Features & Benefits of ManipalCigna Health Insurance

• Maternity benefits: ManipalCigna health insurance plans are specially designed to incorporate maternity benefits. This includes new born baby cover and vaccination for 1 year.
• Worldwide cover: The policies are designed to provide extensive coverage at some of the best hospitals across the globe.
• Customer support team: An expert team of customer care representatives caters to the needs of customers. Be it solving queries, making claims or renewals, support will be provided round the clock.

Plans provided by ManipalCigna Health Insurance

Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

 

ManipalCigna Pro Health Insurance

This policy provides comprehensive coverage against major health conditions and comes with good riders for both individuals and families.

Unique Features of ManipalCigna Pro Health Insurance

• This plan is available in 4 variations: Pro Health Protect, Pro Health Plus, Pro Health Preferred and Pro Health Premier:

1)Pro Health Protect

• This policy provides cover for hospitalization-related expenses, pre, and post-hospitalization expenses, day care treatment, ambulance charges, domiciliary treatment, internal coverage, maintenance benefits, free health check-up
• Tax benefit can be availed
• Other benefits include portability, voluntary co-payment and expert opinion for specified critical illnesses

Plan Details

Policy term	1, 2, or 3
Entry Age	91 days and 18 years, no maximum age limit
Plan Basis	Individual and Family
Sum Insured Range	Min: Rs.2.5 lakh Max: Rs.10 lakh
Premium	Varies as per sum insured chosen
Medical Screening	Depending on age factor and sum insured chosen
Co-Payment	10% to 20% on voluntary basis
Waiting Period	30 days and 90 days before symptoms occur, 2 years for specific illnesses
No Claim Bonus	Yes
Discounts	7.5% for 2-year tenure, 10% for 3-year tenure

2)Pro Health Plus

• Covers hospitalization expenses, pre, and post-hospitalization expenses, day care treatment, emergency protect
• This policy also covers maternity-related expenses, newborn baby care and the expenses incurred towards the vaccinations till the baby turns one year old
• Tax exemption applicable
• Cumulative bonus, health rewards, expert opinion, maintenance of health and free health check up
• Add-on for critical illnesses

Plan Details

Policy term	1,2 or 3
Entry Age	91 days and 18 years, no maximum age limit
Plan Basis	Individual and Family
Sum Insured Range	Min: Rs.4.5 lakh Max: Rs.10 lakh
Premium	Depending on age, gender, sum insured, etc
Medical Screening	Depending on age factor and sum insured chosen
Co-Payment	10% to 20% on voluntary basis
Waiting Period	30 days and 90 days before symptoms occur, 2 years for specific illnesses
No Claim Bonus	Yes
Discounts	7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

3) Pro Health Preferred

• This plan is designed to provide extra benefits and a higher sum insured option
• OPD benefits, maternity care, International worldwide cover, health rewards, health maintenance
• Coverages include hospitalization expenses, day care, donor, ambulance, domiciliary, pre, and post-hospitalization expenses
• Delivery and maternity care, vaccination for 1 year, new born baby care
• Tax benefit
• Free health check-up, add-on for critical illnesses

Plan Details

Policy term	1,2 or 3
Entry Age	91 days and 18 years, no maximum age limit
Plan Basis	Individual and Family
Sum Insured Range	Min:Rs.15 lakh Max:Rs.50 lakh
Premium	Depending on age, gender, sum insured, etc
Medical Screening	Must
Co-Payment	10% to 20% on voluntary basis
Waiting Period	30 days and 90 days before symptoms occur, 2 years for specific illnesses
No Claim Bonus	Yes
Discounts	7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

4) Pro Health Premier

• Maternity, newborn and vaccination benefit
• This policy comes with a higher coverage option and also provides home care
• Worldwide cover, health benefits, maintenance cover, ambulance, hospitalization, pre and post-hospitalization cover, day care, domiciliary and donor expenses
• Rewards, free health check up
• Tax benefit
• Critical illness add-ons and advice/consultation

Plan Details

Policy term	1 ,2 or 3
Entry Age	91 days and 18 years, no maximum age limit
Plan Basis	Individual and Family
Sum Insured Range	Up to Rs.100 lakh
Premium	Depending on age, gender, sum insured, etc
Medical Screening	Must
Co-Payment	10% to 20% on voluntary basis
Waiting Period	30 days and 90 days before symptoms occur, 2 years for specific illnesses
No Claim Bonus	Yes
Discounts	7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

ManipalCigna Lifestyle Protection

The Lifestyle Protection plans come in two variants: Critical Care Plan and Accident Care Plan. The Critical Care Plan provides the policyholders the benefit of getting treated in some of the best hospitals abroad and covers 30 major illnesses. The Accident Care plan provides protection against personal accidents.

1) ManipalCigna Lifestyle Protection - Critical Care plan

• The Basic Plan provides coverage to 15 critical ailments and the Enhanced Plan provides coverage to 30 serious ailments
• Illnesses covered are:

Loss of speech

Systemic Lupus Erythematosus

Muscular Dystrophy

Medullary Cystic Disease

Parkinson's Disease

Apallic Syndrome

Benign Brain Tumor

Bacterial Meningitis

Alzheimer's Disease

Fulminant Hepatitis

Major Burns

End Stage Liver Failure

End Stage Lung Disease

Aplastic Anaemia

Coronary Artery Disease

Loss of Sight

Loss of Hearing

Aorta Graft Surgery

Primary Pulmonary Hypertension

Multiple sclerosis with persisting symptoms

Motor Neurone Disease with Permanent Symptoms

Permanent Paralysis of Limbs

Major Organ/ Bone Marrow Transplant

Stroke Resulting in permanent Symptoms

Kidney Failure Requiring Regular Dialysis

Coma of Specified Severity

Heart Attack (First)

Open Heart Replacement

Open Chest CABG

Cancer of specified severity

Plan Details

Policy term	1, 2, or 3
Entry Age	Between 18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Up to Rs.3 crore
Premium	Depends on factors like age, gender, sum insured, etc
Medical Screening	Varies as per age, sum insured, etc
Co-Payment	As mandated in the policy document
Waiting Period	90 days
No Claim Bonus	Yes
Discounts	7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

2) ManipalCigna Lifestyle Protection - Accident Care plan

• This plan comes in 3 variants: Basic, Enhanced, Comprehensive

Basic	Enhanced	Comprehensive
Ambulance cover	Accidental Death	Accidental Death
Funeral Cover	Funeral Expenses	Funeral Cost
Accidental Death	Ambulance Fee	Disability that is total and permanent
	Permanent Total Disability	Partial Disability
	Education Fund	Education Fund
		Ambulance
		Orphan Benefit
		Loss of Employment

• Provides international coverage
• The add-on covers are for ailments like coma, broken bones, burns and temporary total disablement
• The benefits provided under this plan include claims payout

Plan Details

Policy term	1, 2, or 3
Entry Age	Between 5 to 80 years
Plan Basis	Individual and Family
Sum Insured Range	Min: Rs.50,000 Max: Rs.10 crore
Premium	Depends on various factors such as age, sum insured, etc
Medical Screening	Must for those aged above 70
Co-Payment	As mandated in the policy document
Waiting Period	As mandated in the policy document
No Claim Bonus	Yes
Discounts	7.5% for 2-year policy, 10% for 3-year policy, 10% family discount

ManipalCigna Global Health Group Policy

This health insurance policy comes in two variants: Ruby and Diamond. This provides extensive global coverage, provides inpatient, outpatient and AIDS/HIV cover.

Unique Features of ManipalCigna Global Health Group Policy

• This policy comes with a high coverage amount and is more suited for the business community that travels across the globe
• International health coverage
• Benefits included are maternity cover, AIDS/HIV, outpatient treatment, emergency services, dental and eye care, psychological and psychiatric wellness

Plan Details

Policy term	As mentioned in the policy document
Entry Age	Between 18 to 75 years
Plan Basis	Individual and Family
Sum Insured Range	Min: Rs.50 Lakh Max: Rs.12 crore
Premium	As applicable

ManipalCigna Lifestyle Protection Group Policy

This health insurance policy is considered as the be all and end all of health insurance policies as it provides very extensive coverage when compared to other plans.

Unique Features of ManipalCigna Lifestyle Protection Group Policy

• This particular policy provides critical illness cover and personal accident cover
• Benefits provided include accidental death and disability coverage
• Protection is provided against 36 serious ailments as mentioned in the policy document

Plan Details

Policy term	As mentioned in policy document
Entry Age	Between 18 to 75 years
Plan Basis	Individual and Family
Sum Insured Range	As mentioned in policy document
Premium	Depends on various factors such as age, sum insured, etc
Medical Screening	Depends on various factors such as age, sum insured, etc

ManipalCigna Hospital Cash Plan

The ManipalCigna Hospital Cash Plan is designed to provide a daily cash allowance to the policyholder at the time of hospitalization.

Unique Features of ManipalCigna Hospital Cash Plan

• The plan comes in 3 variants: Basic, Enhanced, Optional Covers

Basic	Enhanced	Optional
International Cover	Sickness & Accident Cash	Day Care
ICU fee	ICU fee	Accidental Cash
Sickness & Accident Cash	International Cover	Disability Cover
60-day coverage	Convalescence Cover	Critical Illness
	Companion Benefit	180-day coverage
	Compassionate Cover
	90-day coverage

Plan Details

Policy term	1, 2, or 3 year
Entry Age	Between 18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Daily allowance of Rs.5,000
Premium	Varies depending on age, gender, sum insured
Discounts	10% family discount, 7.5% on 2-year policy, 10% on 3-year policy

Checklist before Buying ManipalCigna Health Insurance

• Choose the right coverage amount: Depending on personal needs, health situation and financial constraints, choose a coverage option that is right for you. It is not necessary to always opt for a higher sum insured, even a moderate amount that suits personal needs is more than enough.
• Check the number of exclusions: It always wise to take a note of all the benefits that are not included in the health insurance policy and weigh the pros and cons before making a purchase decision.
• Read the terms and conditions: Before purchasing a policy, it is very important to thoroughly read the terms and conditions to fully understand what you are getting into.
• Check the claim settlement ratio: One of the other most crucial factors to look at while buying health insurance is the claim settlement ratio, which is nothing but the number of claims that are successfully approved during a claim year.

Documents Required for Purchasing ManipalCigna Health Insurance

• ID proof
• Address proof
• Medical reports, if asked

Reasons to choose ManipalCigna Health Insurance

Cashless claim services

Hassle-free settlement

Easy purchase & renewal

Incurred Claim Ratio of ManipalCigna Health Insurance

The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

Year	Incurred Claim Ratio
2016-17	48.14%

Extra Benefits from ManipalCigna Health Insurance

Claim tracking	All claims, be it cashless or reimbursement claims, can be easily tracked at the click of a button through their website. Just key in the claim number, policy number and customer ID to do so.
Health tools	ManipalCigna offers policyholders interesting health tools on their website that helps calculate heart rate, ideal body weight. It also evaluates stress risk, body mass index, etc
Newsletter	ManipalCigna publishes a health and wellness newsletter that gives customers the opportunity to read a number of articles and posts on health.

ManipalCigna Health Insurance Renewal

Renewing an insurance policy is an easy process. Log on to the ManipalCigna website and click on the ‘Renew Now’ option. Fill in details and proceed to make payment towards renewal.

ManipalCigna Health Insurance Network Hospitals for Cashless Treatment

ManipalCigna has a pan India network of cashless claim hospitals where customers can benefit from direct health care services at some of the best hospitals without any hassles. Some insurance plans also provide cashless treatment at hospitals outside India. To locate the nearest network hospital, log on to their website and click on the ‘Hospital Locator’ option.

ManipalCigna Health Insurance Claim Procedure

Cashless claim:

• Tell the insurance provider immediately
• Seek prior approval
• Bills will be paid by the insurance company directly to the network hospital

Reimbursement claim:

• Fill claim form
• Bills, invoices, and discharge summary should be kept ready
• Submit the relevant documents along with the claim form
• Reimbursements will be made within 7 working days

Terms and Conditions of the Insurer

• The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
• Incomplete claim forms will not be processed
• Reimbursement claims will not be processed until documentary evidence in the form of bills, invoices and discharge summary is not provided