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ManipalCigna Health Insurance is a standalone health insurer offering a wide range of health insurance plans for individuals, families, senior citizens, and those seeking critical illness or top-up coverage. With plans offering coverage of up to ₹3 crore, it provides financial protection against rising medical expenses, including hospitalization, daycare procedures, ambulance charges, and pre- and post-hospitalization costs as per policy terms.
The insurer also focuses on convenience and wellness through its digital policy management system and extensive cashless hospital network across India. Policyholders can easily manage renewals, claims, and policy details online, while also benefiting from preventive health check-ups and wellness programs designed to promote healthier living and long-term financial security.
ManipalCigna Health Insurance Company Limited was established in 2014 as a joint venture between the Manipal Group and Cigna Healthcare. The company specialises exclusively in health insurance and offers plans across individual, family floater, senior citizen, critical illness, accident care, and top-up categories. Its product portfolio includes Sarvah, ProHealth Prime, Lifetime Health, Prime Senior, ProHealth Select, ProHealth Cash, Super Top Up, and Arogya Sanjeevani Policy. The insurer also provides digital services such as the MyManipalCigna App, online claim tracking, premium calculator, e-servicing portal, and hospital locator for seamless policy management.
Coverage up to ₹3 Crore: Sum insured options available under select plans such as Lifetime Health.
90-Minute Cashless Claim Approval: Cashless claim requests are approved within 90 minutes for eligible claims. Any Room Category: Freedom to choose any hospital room category under eligible health insurance plans without room rent restrictions.
25% Cumulative Bonus: Earn a 25% cumulative bonus for every claim-free year, up to 200% of the base sum insured under eligible plans.
Unlimited Teleconsultations: Unlimited doctor consultations through digital health services under eligible plans.
Coverage for Modern Healthcare Needs: Includes benefits for mental illness, HIV/AIDS treatment, domiciliary care, and OPD expenses under select plans.
Maternity & Newborn Cover: Maternity expenses, newborn baby cover, infertility treatment, personal accident, and critical illness benefits can be added under eligible plans.
Worldwide Emergency Coverage: Overseas emergency hospitalisation benefits available under eligible health insurance plans. MyManipalCigna App: Manage policies, renew coverage, raise service requests, track claims, and access digital policy services through the mobile app.
ManipalCigna Health Insurance offers plans for individuals, families, senior citizens, critical illness coverage, hospital cash benefits, and additional protection through top-up policies.
| Plan Name | Suitable For | Key Highlight |
|---|---|---|
| ManipalCigna Sarvah | Individuals and families | Comprehensive health insurance plan offering high sum insured options, restoration benefits, wellness features, and optional global coverage. |
| ManipalCigna ProHealth Prime | Individuals and families seeking extensive coverage | Covers hospitalisation, OPD expenses, domiciliary treatment, mental illness, HIV/AIDS treatment, and offers benefits such as Switch Off Benefit, Premium Waiver Benefit, unlimited teleconsultations, and cumulative bonus. |
| ManipalCigna Lifetime Health | Individuals and families looking for high-value coverage | Sum insured ranging from ₹50 lakh to ₹3 crore with optional Health+, Women+, and Global+ benefits, including overseas emergency cover. |
| ManipalCigna Prime Senior | Senior citizens | Health insurance plan tailored for individuals aged 60 years and above with benefits suited to age-related healthcare needs. |
| ManipalCigna ProHealth Select | Individuals seeking flexible coverage | Customisable health insurance plan with sum insured options from ₹50,000 to ₹25 lakh. |
| ManipalCigna Super Top Up | Existing policyholders requiring higher coverage | Enhances your existing health insurance by providing additional coverage above a chosen deductible. |
| ManipalCigna ProHealth Cash | Individuals looking for fixed daily hospital cash benefits | Pays a fixed daily cash benefit during eligible hospitalisation, helping cover incidental expenses. |
| Arogya Sanjeevani Policy, ManipalCigna | Individuals and families | Standard health insurance policy with IRDAI-prescribed coverage and benefits. |
| Lifestyle Protection – Critical Care | Individuals seeking financial protection against major illnesses | Pays a lump sum benefit on the diagnosis of covered critical illnesses. |
| Lifestyle Protection – Accident Care | Individuals seeking accident insurance | Provides financial protection against accidental death, permanent disability, and other covered accident-related events. |
There are plans for different age groups and healthcare needs and their eligibility varies depending on the selected policy.
Individuals: Suitable for adults looking for standalone health insurance coverage.
Families: Family floater plans provide coverage for self, spouse, children, and dependent parents under a single policy.
Senior Citizens: Dedicated plans for individuals aged 60 years and above.
Children: Eligible dependent children can be covered under family floater policies, subject to the plan's entry age criteria.
Customers Seeking High Coverage: Plans such as Lifetime Health offer sum insured options of up to ₹3 crore.
Customers Looking for Top-Up Coverage: ManipalCigna Super Top Up helps enhance an existing health insurance policy with additional coverage beyond the deductible.
Critical Illness Protection Seekers: Lifestyle Protection – Critical Care provides a lump sum benefit on the diagnosis of covered critical illnesses.
The availability of add-ons varies depending on the selected plan.
Health+ Add-On: Enhanced coverage with additional healthcare benefits.
Women+ Add-On: Additional protection for women's healthcare needs.
Global+ Add-On: Overseas emergency hospitalisation and global healthcare benefits.
Maternity Cover: Covers maternity-related hospitalisation expenses after the applicable waiting period.
Newborn Baby Cover: Covers eligible medical expenses for a newborn child.
Infertility Treatment Cover: Covers specified infertility treatment expenses under eligible plans.
Critical Illness Cover: Lump sum benefit on the diagnosis of covered critical illnesses.
Personal Accident Cover: Financial protection against accidental death and permanent disability.
Premium Waiver Benefit: Waives future premiums under specified conditions.
Switch Off Benefit: Helps maintain continuity of coverage during eligible circumstances.
Here are a few reasons to help you get assurity on your decision:
Coverage up to ₹3 Crore: High sum insured options available under select plans.
90-Minute Cashless Claim Approval: Fast cashless claim processing for eligible requests.
Wide Range of Health Plans: Includes Sarvah, ProHealth Prime, Lifetime Health, Prime Senior, Super Top Up, and ProHealth Select.
Comprehensive Digital Services: Manage policies, renew coverage, track claims, and raise service requests through the MyManipalCigna App and e-servicing portal.
Wellness-Focused Benefits: Annual health check-ups, unlimited teleconsultations, cumulative bonus, and optional maternity and global coverage.
Customisable Coverage: Multiple optional add-ons allow policyholders to tailor their health insurance according to their needs.
Buying a ManipalCigna Health Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and complete your purchase in just a few steps.
Step 1: Share Your Details
Enter basic details such as age, city, and the members you want to insure.
Step 2: Compare ManipalCigna Health Insurance Plans
Review available Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.
Step 3: Customise Your Coverage
Choose the sum insured, policy tenure, and available optional covers such as Health+, Women+, Global+, Maternity Cover, or Critical Illness Cover based on your selected plan.
Step 4: Complete the Proposal Form
Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.
Step 5: Make the Payment
Review your policy details and pay the premium through Coverfox's secure payment platform.
Step 6: Receive Your Policy Instantly
Once the payment is successful and the proposal is approved, your policy document is issued digitally.
If you're unsure which plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you on the provided mobile number, explain the available options, answer your queries, and help you choose the right coverage for yourself and your family.
ManipalCigna Health Insurance provides access to 6,500+ cashless network hospitals across India, enabling policyholders to receive cashless treatment for eligible medical expenses. The insurer also offers an online hospital locator to help customers find nearby network hospitals before planned or emergency hospitalisation.
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select ManipalCigna Health Insurance from the list of insurers.
Enter your State and City details.
Browse the list of network hospitals available in your location.
Select a hospital to avail cashless treatment under your policy.
Customer Care (Service): 1800 102 4462
Policy Purchase Helpline: 1800 102 4464
Policy Renewal Helpline: 1800 102 4465
Claims Helpline: 1800 258 5881
Email ID: customercare@manipalcigna.com
Senior Citizen Support: seniorcitizensupport@manipalcigna.com
Policy Alteration Requests: mychangerequest@manipalcigna.com
MyManipalCigna App: Manage policies, raise service requests, track claims, renew policies, and access policy documents.
E-Servicing Portal: Online portal for policy servicing, endorsements, renewals, and customer requests.
Track Claim: Online claim status tracking available through the website and MyManipalCigna App.
Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information, insurer disclosures, policy brochures, and product documents available at the time of publication. Benefits, premiums, coverage, exclusions, waiting periods, and terms may vary depending on the selected Oriental Health Insurance policy. Please refer to the official policy wording and prospectus for complete details before purchasing, renewing, or filing a claim under any Oriental Health Insurance plan.
Yes, ManipalCigna Health Insurance is known for features such as coverage of up to ₹3 crore, 90-minute cashless claim approval for eligible claims, wellness benefits, digital policy servicing, and a wide network of cashless hospitals across India.
Cashless hospitalisation allows eligible policyholders to receive treatment at network hospitals without paying covered medical expenses upfront. The insurer settles the approved claim amount directly with the hospital.
You can buy ManipalCigna Health Insurance online through Coverfox by comparing plans, selecting the desired coverage, completing the proposal form, and making the premium payment.
Yes, pre-existing diseases are covered after the applicable waiting period specified in the selected ManipalCigna Health Insurance policy.
A Third-Party Administrator (TPA) is an authorised entity that assists policyholders with services such as cashless hospitalisation, claim processing, and claim-related support on behalf of the insurer.
Yes, annual health check-ups are available under eligible health insurance plans as per the policy terms.
You can renew your policy online through Coverfox before the policy expiry date.
You can download your policy document by logging into the MyManipalCigna App or the insurer's e-servicing portal using your registered credentials.
Yes, ManipalCigna Health Insurance covers eligible day care procedures that do not require 24-hour hospitalisation, subject to the policy terms and conditions.
You can check your policy status through the MyManipalCigna App, the e-servicing portal, or by contacting ManipalCigna customer care.
