ManipalCigna Health Insurance

ManipalCigna Health Insurance Company Limited (formerly known as CignaTTK Health Insurance Company Limited) is a joint venture between the Manipal Group, a leader in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with presence in 30+ countries and serving 160 million+ customers around the world.

ManipalCigna understands their customers' needs and provides a variety of wellness programs to guide them along the road to physical, emotional and financial well-being.

With a deep focus on health and wellness, ManipalCigna Health Insurance offers a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet their diverse health needs.

Features of ManipalCigna Health Insurance

  • No. of members - The plan covers maximum 4 members of your family with up to 2 children and 2 adults.
  • Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • No Sub-Limits on Room Rent - As sub-limits on room rent practically eat into your sum insured, ManipalCigna scores brownie points for their plans without any sub-limits on the room rent.
  • Pre & Post hospitalization cover - The plan covers medical expenses for 60 days prior to hospitalization and 90 days post hospitalization only for related medical expenses.
  • Health Check-ups – All insured adults above 18 years of age are offered free health checkup once every 3 years.
  • Pre-existing diseases - Pre-existing diseases are covered after 4 years of waiting period.
  • Co-payment - The plan has no co-payment policy.

Why Choose ManipalCigna Health Insurance?

ManipalCigna Health Insurance’s purpose is to be the Champions for their customers and communities they serve. They are committed to offering customers an easy and lifetime access to quality healthcare so they can live a healthier and more secure life.

SIMPLY PUT: MANIPALCIGNA HEALTH INSURANCE IS YOUR PARTNER IN ILLNESS AND WELLNESS

ManipalCigna provides easy and lifetime access to quality healthcare: As your partner in health, ManipalCigna collaborates with vast network of healthcare professionals to ensure all customers obtain quality, cost-effective health care, benefits and insurance protection.

ManipalCigna safeguards your long term financial goals: As health advocates, ManipalCigna offers a full suite of health insurance products that shields long-term finances from being drained out in case of medical emergencies, so that customers have a secure future – both financially and medically.

ManipalCigna helps you live a healthier life: As a health insurance company, ManipalCigna’s involvement with customers goes deeper than handling insurance claims. They support customers through various wellness programs to stay healthy or return to health if they become physically or emotionally ill.

And, ManipalCigna does all this by making every day experiences easy and reliable in ways that customers find them proactive, personal and empathetic

Plans Offered by ManipalCigna Health Insurance

ManipalCigna is one of the top health insurance providers in the country and hence offers health insurance products that not only cater to the customer’s needs, but are also pocket friendly. Here’s a list of the products and benefits offered by ManipalCigna Health Insurance.

ProHealth Policy

This is a basic health insurance plan that offers coverage for hospitalization expenses along with benefits like no-claim bonus, coverage for day-care procedures and restore benefit. The plans are available in four variants of Protect, Plus, Preferred and Premier, in order from basic to advance. All variants provide benefits on individual and family floater basis. The details for each variant are given below:

ProHealth Protect

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 2.5 Lakh and Rs.4.5 Lakh for children above 3 months and for adults above 18 years.
  • Post-hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus etc. are the benefits provided in this plan.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), critical illness cover, etc. are optional.

Note: Deductible is the fixed amount to be paid at the time of claim.

Family Coverage :

  • This is a basic family floater plan that covers health costs for the entire family in the range of Rs. 2.5 Lakh and Rs.4.5 Lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Post-hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus etc. are the benefits provided in this plan.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), critical illness cover, etc. are optional.

ManipalCigna ProHealth Plus Insurance Plan

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 4.5 Lakh and Rs.10 lakh for children above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus, maternity cover, health check-up etc. are the benefits provided.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), reduction in the maternity waiting period, critical illness cover, etc. are optional.

Family Coverage :

  • This is a family floater plan that covers health costs of the entire family in the range of Rs. 4.5 Lakh and Rs.10 lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus, maternity cover, health check-up etc. are offered benefits. Co-pay (10% / 20%) and deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), reduction in the maternity waiting period, critical illness cover, etc. are optional.

ProHealth Preferred

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 15 lakh and Rs. 50 lakh for children above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, health checkup, no claim bonus, etc. are provided in the plan.
  • Compared to ProHealth Plus, this plan has higher maternity and health maintenance benefit covers.
  • Critical illness cover and reduction in the maternity waiting period are optional.

Family Coverage :

  • This is a family floater plan covering health costs of the entire family in the range of Rs.15 lakh and Rs.50 lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, health check-up, no claim bonus etc. are provided in the plan.
  • Compared to ProHealth Plus, this plan has higher maternity and health maintenance benefit covers.
  • Critical illness cover and reduction in the maternity waiting period are optional.

ProHealth Premier

Individual Coverage :

  • This plan offers a cover of Rs.1 crore for children of above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, health check-up etc. are the benefits provided in the plan.
  • Compared to ProHealth Preferred, this plan has higher maternity and health maintenance benefit covers.
  • Optional coverage includes reduction in the waiting period for maternity.

Family Coverage :

  • This is a basic family floater plan which covers health costs of the entire family in the range of Rs.1 crore.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Compared to ProHealth Preferred, this plan has higher maternity and health maintenance benefit covers.
  • Optional coverage includes reduction in the waiting period for maternity.

If you want to buy any of the variants of ManipalCigna ProHealth insurance plans, or want to know more about the related terms and conditions, click here.

Lifestyle Protection Critical Care

This plan by ManipalCigna is available on both individual and family floater basis. A lump sum amount is offered to the policyholder if diagnosed with critical illness. Details of the plan are mentioned below:

Individual Coverage :

  • This policy offers coverage up to Rs.3 crore for individuals between age 18 years and 65 years.
  • The plan offers lump sum amount to the policyholder after being diagnosed with critical illness.

Family Coverage :

  • This is a family floater plan which covers health costs of the entire family up to Rs.3 crore.
  • It covers family members between age 18 years and 65 years which can include self, spouse, dependent parents and dependent parent in - The plan offers lump sum amount to the policyholder after being diagnosed with critical illness.

To know more about this plan, contact Coverfox.

Global Health Group Policy

This is a group health insurance policy for people travelling abroad for business purposes.

  • It provides outpatient cover, coverage for any international emergency, maternity cover etc.
  • The plan is available in two variants: Ruby and Diamond.

To know more about this plan, contact Coverfox.

Benefits of Buying Health Insurance from ManipalCigna Health Insurance

Benefits of Buying Health Insurance from ManipalCigna Health Insurance: ManipalCigna is one of the topmost health insurance providers in the country. Hence, this association with the company comes with a number of benefits that are listed below:

  • Fairs very well with the waiting period as compared to the industry standards
  • Pricing-wise, ManipalCigna offers competitive prices on their products
  • Offer a no-claim bonus up to 50% (10% bonus/discount for every claim-free year)
  • The incurred claim settlement ratio of ManipalCigna Health Insurance for F.Y.2017-18 is 46.29%.

What is Not Covered under a ManipalCigna Health Insurance?

There are certain exclusions of a health insurance policy by ManipalCigna, especially in the critical illness plan. They are listed as follows:

  • Illnesses apart from the one’s specified as critical illnesses that are mentioned in the list of inclusive critical illnesses is not covered
  • A claim which pertains to or any illness which is a consequence of another illness is not covered
  • Any pre-existing disease, not diagnosed before purchase of the policy
  • AIDS/HIV alongwith its complications
  • Suicide and substance abuse
  • Mental illnesses
  • Any loss that occurs due to child birth or pregnancy

Documents Required to Claim ManipalCigna Health Insurance?

There is a claim form that can be downloaded from the official website of ManipalCigna Health Insurance. With a duly filled form, the following documents need to be attached:

  • Valid Identity proof with a photograph
  • Hospitalisation letter that is given by a valid medical practitioner
  • Reports of tests, medication receipts and consultations by the doctor
  • Original receipts, bills and discharge summary
  • Pharmacy bills in original

How to Claim ManipalCigna Health Insurance

There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

ManipalCigna Health Insurance has a well-defined claim processing system.

Cashless Service: Seeking Pre-Authorization

  • Complete the pre-authorization form available at the hospital's insurance/TPA Desk.
  • Send the completed form via email or fax.
  • Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization.
  • In case the authorization is rejected, initiate the treatment and file for reimbursement claim.

Reimbursement Claim: Claim Submission

  • Complete the necessary form and submit along with required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, bills etc.
  • Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the reasons will be communicated by the team.

In case of any emergencies, you need to inform ManipalCigna within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via ManipalCigna's toll free number 1800-10-24462. The same could also be emailed to customercare@manipalcigna.com

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

ManipalCigna Health Insurance Network Hospitals

ManipalCigna has around 4000+ hospitals that are registered in the company’s network. These hospitals offer policyholders a cashless facility across the country. In order to locate the nearest network hospital, all you need to do is select the state and city from the dropdown on the Network Hospital Locator tool. This tool is available on the official website of ManipalCigna Health insurance. With this, you shall get the list of hospitals, along with their contact details.

How to Renew ManipalCigna Health Insurance Plans Online

ManipalCigna allows its policyholders to renew their policies online on its official website. To do so, all one needs to do is click on the Renew Now section on the tabs available on the website. Simply enter your policy number, make the payment and your health insurance policy shall be renewed. It is important to note that while you can make a prepayment for renewal, your policy shall be considered new only from the date of completion of the previous policy.

ManipalCigna Health Insurance Premium Calculator

ManipalCigna Health insurance offers an online tool called the premium calculator that precisely estimates the amount of premium you would have to pay for a particular health insurance policy and helps you plan your budget for this expense accordingly. All you need to do is follow 3 simple steps

  • In the premium calculator, enter the number of people you wish to insure, provide a few details about them and the amount of insurance you need
  • Once you do so, you can review the details and the premium amount shall be displayed
  • Once you are satisfied with the specified amount, you can make the payment online.

ManipalCigna Health Insurance Customer Care Support

ManipalCigna Health insurance, a company that started catering to the health insurance needs of the country in 2014, has a robust customer care system in place. The company has developed branches which is a well-distributed network, where policyholders can conveniently reach out to resolve their policy-related queries.

This network is spread across are located in major cities in India like Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Cochin, Kolkata, Jaipur, Ahmedabad, etc. One can also contact ManipalCigna on their Toll free number 1800-10-24462.

Review of ManipalCigna Health Insurance

ManipalCigna health insurance is part of Cigna, one of the pioneers and leaders in insurance in US and are a Fortune 500 company. With some prodigious benefits on offer like No Claim Bonus up to 50%, ManipalCigna boasts of exceptional post sales service. With an improvement in the claim rejection ratio compared to its competitors and a robust network of affiliated hospitals for cashless settlement, ManipalCigna can certainly climb up to one of the Top Five insurers in India. For more details on the plans offered, please call Coverfox at 1800-209-9970.

Frequently Asked Questions on ManipalCigna Health Insurance

How to Apply ManipalCigna Health Insurance Plans?

Applying for ManipalCigna health insurance plan is simple and hassle free as applying for any other health insurance plan. Simply log on to the official website, select the plan you wish to purchase, answer a few basic questions and post payment of premium, you shall be insured under the selected health insurance plan.

What are The Documents Required to Make a Reimbursement Claim?

To make a reimbursement claim, you have to submit the following documents:

  • A signed claim form
  • Discharge summary
  • Hospital Break up bill
  • Notes of Operation Theatre
  • Copy of Photo id
  • Main Hospital Bill
  • Investigation reports
  • Doctor’s slip for investigation
  • Medicine bills
  • Post Mortem Report or FIR Report

How many times can I claim health insurance benefits in a year?

While there are no defined limits on the number of claims, the sum insured does not change and the cover shall not exist once the policy has expired.

How long does it generally take to process claims?

If your claim has been accepted, it usually takes around 5 days to process the claim by the company.

What do you mean by Health Insurance Benefit from ManipalCigna?

Health insurance benefit from ManipalCigna entitles customers to request for reimbursements. These reimbursements can be incurred while diagnostic tests, medical requirements, medicines, prosthetics, dental treatments and alternative medications.

Who must choose ManipalCigna worldwide health organization coverage?

This benefit can be availed by an individual who travels abroad frequently. This covers Indians and expats who operate overseas. Following are the reasons and benefits that you get with the worldwide health coverage:

  • The treatment is Medically Necessary and has been certified as an Emergency by a Medical Practitioner, where such treatment cannot be postponed until the Insured Person has returned to India and is payable under Section II.1 of the Policy.
  • The Medical Expenses payable shall be limited to Inpatient Hospitalization only.
  • Any payment under this Benefit will only be made in India, in Indian rupees on a re-imbursement basis and subject to Sum Insured.
  • The payment of any claim under this Benefit will be based on the rate of exchange as on the date of payment to the Hospital published by Reserve Bank of India (RBI) and shall be used for conversion of foreign currency into Indian rupees for payment of claim. You further understand and agree that where on the date of discharge, if RBI rates are not published, the exchange rate next published by RBI shall be considered for conversion.
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