Manipal Cigna Insurance

"ManipalCigna Health Insurance operates its health insurance business with its moto “Health Hai Toh Life Hai.” It has a wide range of health insurance products that offer comprehensive protection, comfortable and lifelong access to quality healthcare.

CGHP, offers a global coverage for Indian employees travelling across the globe.

ManipalCigna Health Insurance Company Limited is a joint venture. A collaboration between Cigna Corporation, a leading US based health services provider and Manipal group of India. ManipalCigna commenced their operations as CignaTTK in 2014, before being rebranded to ManipalCigna in 2019. Headquartered in Mumbai, ManipalCigna has a pan India presence as a health insurance provider across 177 cities with 47 branches in the country. Soon after their launch in 2014, a first-of-its-kind product - Cigna Global Health Product (CGHP), was launched by ManipalCigna.It has won trusts of many customers due to its tailor-made plans.

ManipalCigna Health Insurance Company Overview

ManipalCigna is a renowned name in the health insurance space. The company is a joint venture between the U.S. based global health services leader, Cigna Corporation and Indian conglomerate, Manipal Group. ManipalCigna has also introduced Cigna Global Health Product (CGHP), a unique group health insurance product that offers coverage for Indian employees travelling across the globe.

ManipalCigna General Insurance Company History

The Company started as a joint venture in November 2011. Cigna Corporation has a stake of 49% whereas Manipal Group owns 51% of the company as per Indian regulations. ManipalCigna received its IRDA approval in November 2013 and officially started its operations from February 2014.

ManipalCigna General Insurance Company Statistics

The Company which stared its operations in 2014, claimed to be optimistic about Rs. 400 crore as premium in FY 2017. The company’s total premium stood at Rs. 144 crore in the previous fiscal year i.e. FY 2015-16. Claims Ratio for Financial Year 2017-18 is 46.29%

ManipalCigna General Insurance Company Offers

ManipalCigna is a leading health insurance provider in India and offers a number of health insurance products that cover a number of health-related risks. The company offers-

  • ProHealth Insurance policy

  • Critical Care Plan

  • Accident Care Plan

  • Cigna Global Health Product

ManipalCigna General Insurance Products and Services

ManipalCigna General Health Insurance Policy

ManipalCigna’s General Health Insurance policies can be categorised according to individual needs and requirements of policy holders. The company offers the following health insurance plans-

  • ProHealth Protect Plan: This is a comprehensive health insurance plan that covers all your medical needs and offers a sum assured of Rs. 2.5 Lakhs, Rs. 3.5 Lakhs, 4.5 Lakhs, 5.5 Lakhs, 7.5 lakhs or 10 lakhs. This plan covers pre and post hospitalisation expenses till up to 60 days and also bears the ambulance cost of Rs. 2000 per hospitalisation. While the minimum entry age is 91 days, there is no limit to the maximum age of the applicant.

  • ProHealth Plus Plan: This is an upgraded plan from ProHealth Protect Plan. This plan lets you choose between four sum assured options, namely Rs. 4.5 Lakhs, Rs. 5.5 Lakhs, Rs. 7.5 Lakhs or Rs. 10 Lakhs. Just like ProHealth Protect, this plan also covers pre and post hospitalisation expenses of up to 60 days, but covers post hospitalisation expenses of 180 days. The ambulance charges covered are up to Rs. 3000. There is no maximum age to enter the policy, while the minimum age is 91 days.

  • ProHealth Select: This is a comprehensive health insurance plan that provides coverage with the choicest health covers. ProHealth Select provides effective AYUSH coverage up to full sum assured. There is also an extra coverage available with a cumulative bonus Booster of up to 200%. This unique plan also provides a reassurance option of policy extension of 2 years and a total protection with ProActiv Living and reward points.

  • ProHealth Cash: With this plan, you get daily hospital cash benefit up to Rs.5000/-, which can be used for non-medical expenses at the time of hospitalization. 2 times daily benefit is offered in case of Accidental Hospitalization plus 3 times daily benefit towards the ICU and worldwide cover. The daily expenditure at the time of hospitalization can be financial burden, this helps you to overcome the burden.

  • Lifestyle Protection: Critical Care- This plan by ManipalCigna offers coverage for critical illnesses. Under the basic variant of this plan, you are covered with 15 Critical Illnesses and 30 critical illnesses under an enhanced variant of this plan.

  • Lifestyle Protection; Accident Care- Uncertain events are better when at bay but one must be prepared in case of eventualities that may lead you and your family into financial instability. A severe accident can lead to disabilities and/or death. This plan covers you against accidental death, disablement, loss of employment, with education fund & orphan benefit for child.

ManipalCigna General Group Health Insurance Policy

  • Global Health Group Policy: Travelling has become a part of life and work. Whether it is a vacation trip or business one, it is important that you stay covered while you are travelling. It gets you covers with domestic and international trip under one umbrella. This cover is available for employees and their dependents, but not parents. ManipalCigna offers Two Plans: Ruby and Diamond with wide range of sum insured Rs. 50 lakh to Rs. 12 crore, wherein you are covered with in-patient hospitalization, day care benefits, out-patient benefits, a cover for AIDS/HIV, etc.

  • Lifestyle Protection Group Policy: Usually invested by corporates or business organisations, Lifestyle Protection Group policy protect the health interests of employees of a business under one comprehensive plan. This plan is completely customizable to cater to the requirements of an organisation’s employees which helps the company design the cover according to their needs. This plan provides 24x7 coverage, anywhere in the world and best in class claims and customer service. You may select from a wide range of covers such as:

    • Accidental Death Benefit

    • Permanent Total Disability Benefit

    • Permanent Partial Disability Benefit

    • Temporary Total Disability Benefit

    • Multiple Optional benefits

  • ProHealth Group Insurance Policy: A completely customizable plan. This plan can be opted for an individual or as family floater. It gets you cover with in-patient hospitalization, day care treatment, pre and post hospitalization medical expenses, road ambulance cover, domiciliary hospitalization, donor expenses cover. Moreover, with 41 need based optional covers, it offers a completely customizable plan.

Premium Payment Process of ManipalCigna General Insurance Company

  • Online Payment process: ManipalCigna understands the hassles linked with premium payments and hence offers an online platform that lets policyholders pay regular premiums online. One can simply log on to the website and pay the premium by credit/debit card or through net banking facility.

  • Offline payment process: Offline premiums are also accepted by the company. Simply walk into any branch of ManipalCigna Health Insurance with your insurance policy and pay the premium amount in person.

ManipalCigna General Insurance Renewal

  • Online Renewal Process at ManipalCigna General Insurance Company: Renewing your ManipalCigna health insurance policy is extremely hassle free. With an online platform available, all you have to do is enter your policy number and DOB of the proposer, and you can renew your insurance policy with just a click. You can make the payment via credit/debit card or through net banking.

  • Renew insurance plans provided by other insurers with ManipalCigna General Insurance: You can renew your existing insurance policy with ManipalCigna. However, the same coverage is applicable upon renewal and the renewal must be done before the expiration date of the health insurance policy.

Achievements of ManipalCigna General Insurance Company Limited

ManipalCigna is known for its excelling customer support and boasts of awards and recognitions for its unique product offerings. The company has been awarded the “Economic Times Best Promising Brands 2015” plus it is partnering with Airtel Delhi Half Marathon (ADHM) and Standard Chartered Mumbai Marathon (SCMM), the prominent marathons, as the official health insurance partner.


What is the process of planned hospitalisation?

The Process of planned hospitalisation is as follows-

  • The Insured Person should, at least 3 days prior to admission to the Hospital, approach the Network Provider for Hospitalization for medical treatment.

  • The Network Provider sends the request for authorization in the pre-authorization form prescribed by the IRDA.

  • The Network Provider then sends the pre-authorization form electronically along with the relevant details to the 24 (twenty four) hour authorization/cashless department, along with contact details of the treating Medical Practitioner as well as the Insured Person.

  • Once the pre-authorization form and all related medical information from the Network Provider are received, the company verifies the eligibility of cover under the Policy.

  • Post this, an authorisation letter is issued to the Network Provider. In case, additional information or documents are required, the company calls for the same from the Network provider, and upon satisfactory receipt of last necessary documents, the authorisation will be issued.

  • The Authorisation letter holds all the details including the amount sanctions, specific limitations on the claim, co-pays or deductibles as well as non-payable items if applicable.

  • The authorisation letter is valid only for 15 days from the date of sending the authorization.

Which are the documents needed for reimbursement of claim?

The following set of documents are needed for the reimbursement of claims-

  • Claim form duly signed

  • Copy of photo ID of patient

  • Hospital Discharge summary

  • Operation Theatre notes

  • Hospital Main Bill

  • Hospital Break up bill

  • Investigation reports

  • Original investigation reports, X Rays, MRIs, CT films, HPE, ECG

  • Doctors reference slip for investigation

  • Pharmacy Bills

  • MLC/ FIR report, Post Mortem Report if applicable and conducted

Whom do I have to contact for claim intimation and settlement?

You must notify ManipalCigna Insurance either at the call centre or in writing, in the event of planned or emergency hospitalisation.

What are the details to be provided at the time of intimation of claim?

The details to be provided at the time of intimation of claim are-

  • Policy Number

  • Name of the Policyholder

  • Name of the Insured Person in when the claim is being lodged

  • Nature of Illness / Injury

  • Name and address of the attending Medical Practitioner and Hospital

  • Date of Admission

  • Any other information as requested by the company

What kind of policies are available online with ManipalCigna Health Insurance Company Limited?

ManipalCigna is a specialist in providing health insurance plans that are all-inclusive comprehensive plans to suit individual and business needs. The policies provided by the company are-

  • ProHealth Insurance

  • Lifestyle Protection- Critical Care

  • Lifestyle Protection- Accident Care

  • ProHealth Select

  • ProHealth Cash

  • Global Health Group Policy

  • Lifestyle Protection Group Policy

  • ProHealth Group Insurance Policy

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