Question 1

What is a reimbursement amount?

Accepted Answer

It is the amount paid back to you by the insurance company for admissible medical expenses you have incurred.

Question 2

What is planned hospitalisation?

Accepted Answer

When you plan your treatment in advance, it is called planned  hospitalisation . The intimation of such  hospitalisation  should be given a minimum of 3 days before the date of  hospitalisation .

Question 3

What is a cashless claim? Please explain.

Accepted Answer

In a cashless claim, you need not to pay any amount to the hospital for getting admission and availing treatment. To avail cashless treatment, get medical treatment at network hospitals of ManipalCigna.

Question 4

Is cashless claim treatment available at ManipalCigna?

Accepted Answer

Yes, cashless claim treatment is available at ManipalCigna. To get this benefit, you need to avail treatment at a ManipalCigna network hospital.

Question 5

What is the reimbursement claim?

Accepted Answer

Reimbursement claim means ManipalCigna refunds all the amount incurred during the treatment at a non-network hospital. This is applicable when you don&rsquo;t find a network hospital in your city and choose to seek treatment at a non-network hospital by paying hospital bills and other amounts from your pocket. After getting discharged, you will need to send all the documents to ManipalCigna to receive the amount.

Question 6

What are the documents required for reimbursement claims at ManipalCigna?

Accepted Answer

The list of documents you need to send to ManipalCigna for a reimbursement claim is original hospital bills, original discharge summary, other reports like medicine bills along with the prescription, test reports, attending physician&rsquo;s reports, surgeon&rsquo;s reports, etc. and follow-up checkup reports if you have any.

Question 7

Is cashless facility available in all cities of India?

Accepted Answer

To know the right answer, we advise you to visit the official website of ManipalCigna wherein you will find a list of network hospitals. Or you can contact us anytime at our toll-free number 7551-196-989.

Question 8

How to calculate the Claim Settlement Ratio (CSR) of ManipalCigna Health Insurance?

Accepted Answer

To calculate the Claim Settlement ratio of ManipalCigna Health Insurance, you can use the formula given below: Claim Settlement Ratio=(Total claims settled or paid)/(Total claims received+Outstanding claims at the beginning of the year).

Question 9

How to process cashless insurance claim settlement of ManipalCigna Health Insurance?

Accepted Answer

To process cashless claim(s) under ManipalCigna Health Insurance, you are required to follow the steps given below:        Intimate ManipalCigna Health Insurance 3 days prior to admission in case of planned hospitalisation and within 24 hours of hospitalisation in case of emergency hospitalisation     Show your health card and a valid photo ID at the network hospital     Your documents will be verified by the insurance company     If the claim has been made in accordance with the terms and conditions under the policy, then the insurer will settle the bill directly at the network hospital.

Question 10

How to make reimbursement claims under health insurance plans offered by ManipalCigna Health Insurance?

Accepted Answer

To make a reimbursement claim under ManipalCigna Health Insurance, you are required to follow the steps given below:       Intimate ManipalCigna Health Insurance about the treatment    Avail the required treatment at the non-network hospital of your choice and pay the bill from your own pocket    Submit the claim documents to the corporate office or the nearest branch of ManipalCigna Health Insurance     The insurance company will verify your documents and pay for the treatment if the claim made by you is in accordance with the terms and conditions of your policy

Question 11

What is the time frame within which the hospitalisation must be reported to ManipalCigna Health Insurance?

Accepted Answer

In case of planned hospitalisation, you must convey ManipalCigna Health Insurance 3 days in advance by contacting them on the toll-free number 1800-419-1159. Whereas, in case of emergency hospitalisation, the insurance company should be informed on the same number within 24 hours of hospitalisation.

Question 12

What is the Claim Settlement Ratio of ManipalCigna Health Insurance?

Accepted Answer

As per the IBAI&rsquo;s General Insurance Claim Insights Handbook For Policyholders-5th Edition, the Claim Settlement Ratio of ManipalCigna Health Insurance for the financial year 2019-20 is 85.72%.

Question 13

Whom should I contact for claim intimation and settlement?

Accepted Answer

You can notify either InsuranceDekho or ManipalCigna directly by calling on their customer care numbers for planned or emergency hospitalisation. FYI, InsuranceDekho's toll-free number is   7551196989  .

Question 14

What is the time limit for claim submission in the case of the cashless facility?

Accepted Answer

You need to submit the claim within 15 days from the date of discharge from the hospital.

City	No of Hospital
Kolkata	99
Thane	92
New Delhi	284
Nagpur	84
Bengaluru	348
Karimnagar	33
Ghaziabad	50

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FAQs

What is a reimbursement amount?

What is planned hospitalisation?

What is a cashless claim? Please explain.

Is cashless claim treatment available at ManipalCigna?

What is the reimbursement claim?

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