ManipalCigna Health Insurance Plans

Manipal Cigna is a prominent player in the health insurance sector working to offer comprehensive healthcare plans to its customers. Manipal is one of the second-largest healthcare providers in India. ManipalCigna is a joint venture between Manipal and Cigna which is the largest healthcare service provider with 225+ years of experience and a presence in more than 30+ countries. ManipalCigna focuses on improving and protecting the physical, emotional and financial health of their customers because they believe in “Health Hai To Life Hai”.

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Disclaimer : Actual Premium might vary basis your location, age and number of members

ManipalCigna Health Insurance Plan List

Individual (11)
Family (11)
Woman (11)
Parents (10)
Blood Pressure (11)
Kids (11)
Thyroid (11)
Diabetes (11)
Heart (5)
Senior Citizen (6)
Maternity (3)

Pro Health Accumulate
Cover
5 Lakh
Cashless Hospital
8903
Starting From ₹ 1,431/month*
Pro Health - Preferred
Cover
15 Lakh
Cashless Hospital
8903
Starting From ₹ 2,651/month*
Pro Health Plus
Cover
4 Lakh
Cashless Hospital
8903
Starting From ₹ 782/month*

See More Plans

Key Highlights

No. of Plans Offered	12
Sum Insured	Up to 25 Crore
Claim Settlement Ratio	93.40%
No. of Products and Services	17
Network Hospitals	8900+

Types of Health Insurance Plans Offered by ManipalCigna Health Insurance

By analysing the needs and demands of the people ManipalCigna offer a wide range of health insurance plans to its customers and they are as follows:

Individual Health Plans: ManipalCigna Health Insurance has designed health insurance that will fulfil an individual's medical coverage needs. It includes the coverage of In-patient hospitalisation, pre-hospitalization, post-hospitalization, road ambulance, and domiciliary treatment at home. Plans can be customised by adding add-ons to the base plans and can get the benefit of other coverages.
For example: ManipalCigna Sarvah Health insurance
Family Health Insurance: There is a plan available for families that will help in securing the health of the whole family in one single plan. ManipalCigna offers family floaters and multi-individual plans for family health insurance.
For Example- Pro Health Prime Health Insurance
Senior Citizen Health Insurance: ManipalCigna cares for senior citizens and so they have a plan that caters to people above the age of 60 years old. In this plan, the company provides various benefits and coverage which will help senior citizens during their treatment.
For Example- Prime Senior Health Insurance
Critical Illness Health Insurance: The company has designed critical illness plans for people who are suffering from critical illness. This plan will help in getting coverage for expensive treatment after getting diagnosed with any critical illness.
For Example- A Lifestyle Protection- Critical care
Personal Accident Insurance: ManipalCigna has a health insurance plan that will provide benefits to your family after your death or if any kind of partial disability is caused after any accident.
For Example- Lifestyle Protection-Accident Care
Group Health Insurance: In this plan, the company provides health insurance to a group of people working in the same organisation. It helps employees get coverage for treatment that is caused due to accidents or any diseases.
For Example- Global Health Group Policy

List of All ManipalCigna Health Insurance Plans

A summary of each ManipalCigna Health Insurance plan is provided in the table below:

Plan Name	Plan Type	Age	Sum Insured
ManipalCigna Sarvah	Individual, Family and Multi Individual	Adult: 18 Years Child: 91 days	Rs. 5 Lakh to Rs. 3 Cr
Pro Health Prime	Individual, Family and Multi Individual	Adults: 18 years to no limit Children: 91 days to 25 years	Rs. 3 Lakh to Rs. 1 Cr
Pro Health	Individual, Family and Multi Individual	Adults: 18 years to no limit Children: 91 days	Rs. 2.5 Lakh to Rs. 50 Lakh
Life Time Health	Individual, Family and Multi Individual	Adults: 18 years to 65 years Children: 91 days to 25 years ( Family floater plan)	Rs. 50 Lakh to Rs. 3 Cr
Pro Health Select	Individual, Family and Multi Individual	Adult: 18 years Children: 91 days	Rs. 3 Lakh to Rs. 25 Lakh
Super Top Up	Individual, Family and Multi Individual	Adult: 18 years to No limit Children: 91 days to 23 years ( Family floater policy )	Rs. 3 Lakh to Rs. 30 Lakh
Arogya Sanjeevani Policy	Individual, Family and Multi Individual	Adult: 18 years to 65 years Children: 91 days to 23 years ( Family floater policy	Rs. 50,000 to Rs. 10 Lakh
A Lifestyle Protection-Accident Care	Individual, Family and Multi Individual	Adult: 18 years to 80 years Children: 5 years to 25 years	Rs. 50,000 to Rs. 10 Cr
Accident Shield	Individual and Family	Adult: 18 years to 70 years Children: 5 years to 25 years	Rs. 5 Lakh to Rs. 25 Cr
Saral Suraksha Bima	Individual, Family and Multi Individual	Adult: 18 years to 70 years Children: 3 months to 25 years	Rs. 2.5 Lakh to Rs. 1 Cr
Secure Health	Individual	Adult: 18 years to 65 years Children: 0 days to 17 years	Rs. 4 Lakh to Rs. 5 Lakh
A Lifestyle Protection- Critical care	Individual and Family	Minimum age - 18 years Maximum age- 65 years	Rs. 1 Lakh- Rs. 25 Cr
Pro Health Cash ( Daily Hospital Cash)	Individual and Multi Individual	Adult: 18 years to 65 years Children: 91 days to 17 years	Rs. 500 - 5000 /Day
ProHealth Group Insurance	Employer and Employee Group	No minimum or maximum age to enter the policy	Upto Rs. 1 Cr
Global Health Group Policy	Employer and Employee Group	Adult: 18 years to 95 years Children: 1 day to 25 years	Up to $ 10 million
A Lifestyle Protection- Group Policy	Employer and Employee Group	Adult: 18 years to 75 years Children: 5 years to 25 years	Upto 50 Cr
Group Overseas Travel Insurance Policy	Employer and Employee Group	NA	Up To $ 50 Lakh
FlexiCare Group Insurance Policy	Employer and Employee Group	NA	Up To Rs. 5 Crore

ManipalCigna Health Insurance Top Up List

Family (1)
Individual (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
Super Top-Up Policy Min: 91 Days ; Max: No Max LimitPopular	3 Lakh - 30 Lakh	Check Premium
Pro HealthMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Lifetime Health Insurance PolicyMin: 91 Days; Max: 65 years		Check Premium

Health Insurance Coverage Calculator

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Where do you live ?

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Let's Explore The Plans in Detail

There are 7 types of health insurance offered by ManipalCigna Health Insurance and those are Individual, family, multi-individual, senior citizens, group insurance, critical illness, and personal accident. Some plans are clubbed into one single plan in which you can take insurance for yourself, for your family and as well as it is multi individual.

There are plans available in which you can take a cover for yourself as well as for your family and also it is a multi-individual plan. Go through the below-given plans if you are searching health insurance for individual, family floater, and multi-individual:

Plan Name	Key Features
Pro Health Prime	Non-medical expenses are covered You can choose a room of any category Unlimited number of restorations available for the sum insured OPD expense coverage is also available in this plan
Pro Health	A cumulative bonus of up to 200% of the sum insured will be given at the time of renewal Health checkup facilities at network hospitals Expert opinion on listed critical illness
Life Time Health	You can customise your plan as per the changing life stages and with optional packages such as global OPD and specialised packages for women. You will get coverage for 24 major illness treatments abroad No capping on room rent for global hospitalisation
Pro Health Select	You will get a 10% discount on covering more than 2 members in the same individual policy There is no maximum age limit to get entry into the plan Domiciliary Treatment facilities are available in this plan Donor expenses are covered up to the sum insured
Super Top Up	At an affordable premium, you will get additional coverage of up to 30 lakh You can choose the hospital of your choice You will get coverage for AYUSH treatment as well
Arogya Sanjeevani Policy	You will get a cover for Modern & Advanced Treatments Cashless treatment at more than 6500+ hospitals You can choose your sum insured according to your needs and demands.
A Lifestyle Protection-Accident Care	Your family will get 100% of the sum insured in case of accidental death. 200% of the sum insured will be given if total disability happens during travelling as a fare-paying passenger. There are several benefits like education funds, emergency ambulance cover, broken bone cover etc.
Saral Suraksha Bima	Your family will get 100% of the sum insured in case of accidental death. Cumulative bonus for every claim-free year Education expenses of dependent children will be covered after the accident of an individual.
Secure Health	Allopathic & AYUSH treatment coverage is available You can avail the benefit of coverage for cataract treatment This plan covers Pre and post-medical hospitalisation expenses
A Lifestyle Protection- Critical care	This plan covers 15 to 30 critical illness as per the plan You will get access to the online wellness programs You will get an extra 10% discount on adding more than 2 family members in one single policy
Pro Health Cash ( Daily Hospital Cash)	Worldwide cover for illness or injury You will get cash directly into your account when you need it the most You will get daily cash benefits ranging between Rs. 500 to Rs. 5000 during hospitalisation

Plans available for senior citizens are listed below in the table

Plan Name	Key Features
Prime Senior	You can choose room of any category during hospitalisation. There is the benefit of unlimited restoration of the sum insured even after making a claim for the same illness again and again. Cumulative bonus for every claim-free year.

Health insurance plans are available for groups of people working in the same organisation which is also known as Group Health Insurance. Listed below is the group health insurance plan:

Plan Name	Key Features
ProHealth Group Insurance	The benefit of Domiciliary hospitalisation is available in this plan. You will get the coverage for organ donor expenses. Pre and post-hospitalisation expenses get covered.
Global Health Group Policy	Non-allopathic treatment is covered in this plan You will get the benefit of a private ambulance. In-patient Hospitalisation and Day Care treatment expenses will be covered.
A Lifestyle Protection- Group Policy	Personal accidents and critical illnesses are covered The cost of support items will be reimbursed after acceptance of the claim. Spouses and children are also eligible to get covered under this plan.
Group Overseas Travel Insurance Policy	You can choose your base plan and optional coverage according to your needs. In this single plan, you will get coverage for both travel inconveniences and medical expenses. 100% of the sum insured will be given in the case of accidental death.
FlexiCare Group Insurance Policy	The benefit of air ambulance is available in this plan. Home nursing expenses will be covered in this plan. Coverage for AYUSH treatment is available in this plan.

ManipalCigna Health Insurance Plan Variants and Their Riders

Plan Name	Variants	Riders
Manipal Sarvah Health Insurance	Sarvah Pratham Sarvah Uttam Sarvah Param	Accident Hospitalization Cover Health Check-up Air Ambulance
Pro Health	Preferred Accumulate Plus Premier Protect	Critical Illness Add-on Cover ManipalCigna HEALTH 360 SHIELD Any room category OPD coverage
Super Top Up Plus	NA	Reduction in Pre-existing Disease Waiting Period Critical Illness Add-on Cover ManipalCigna Health 360 - OPD
Prime Senior	Prime Senior Classic Prime Senior Elite	Reduction in the PED Waiting period Unlimited 100% restoration of Sum Insured Any Room Upgrade
Prime Advantage	NA	Coverage for Non-Medical items Infertility treatment Cumulative Bonus Booster
Prime Protect	NA	Cover Non-Medical Expenses Personal Accident Coverage Infertility Treatment

Eligibility Criteria to Purchase Plan

There are certain eligibilities that should be fulfilled before purchasing the policy and those eligibilities are:

Age

An adult must be 18 years old during the policy purchase.
For purchasing the policy or adding children to the family floater policy the age requirement is between 0 days to 25 years old depending on the type of plan.

Waiting Period

The initial waiting period is 30 days.
For maternity, the waiting period is between 36 to 48 months.
The waiting period for critical illness and PED is between 24 to 48 months and it will be 0 to 30 days in the Sarvah plan even if you have PED.

How To Purchase a ManipalCigna Health Insurance Plan?

Here are the steps to purchase ManipalCigna Health insurance plans online through InsuranceDekho:

Step 1: Visit the InsuranceDekho official website on your search engine.

Step 2: Fill the required information and choose the plan.

Step 3: Choose the kind of cover that you are looking for from the two options. The form changes based on your choice/requirement.

Step 4: After choosing your plan and coverage go to the payment option and make payment online for your policy.

Document Required

Proof of Age (Aadhaar Card, Voter ID, PAN card, Driver's License, Passport)
Copy of the Proposal Form or OTP Verification
Address Proof (Ration card, Driver's licence, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or Utility Bills)
Medical Reports
Passport-size Photographs

How to Upgrade Your ManipalCigna Health Insurance Plan?

Upgrade your policy online

Go through the below-given steps to upgrade your policy

Step 1: Open the InsuranceDekho official website on your search engine

Step 2: Click on the renewal option at the top of the screen

Step 3: Fill in the required details on the screen like policy number and date of birth

Step 4: Make the changes required

Step 5: Make the payment by choosing from the payment option given according to your convenience

FAQs

Ques 1. What is the claim rate for Manipal Cigna?

Ans. The claim settlement ratio of ManipalCigna Health Insurance is 93.40%.

Ques 2. Is Cigna and Manipal Cigna the same?

Ans. ManipalCigna Health Insurance is the joint venture between Manipal which is the second largest healthcare provider in India and Cigna which is a healthcare service company with experience of 225+ years in the field of healthcare.

Ques 3. How do I check my ManipalCigna status?

Ans. You can check your ManipalCigna policy status or claim-related status online by visiting the official website of ManipalCigna Health Insurance. You can also visit your nearest branch of ManipalCigna to know the status of your claim.

Ques 4. Which are the plans in ManipalCigna that cover AYUSH treatment?

Ans. There are plans like Super Top Up, Secure Health, and Flexicare Group Insurance that provide AYUSH treatment coverage.

Ques 5. Are domiciliary treatment facilities available in Group Health Insurance of ManipalCigna?

Ans. Yes there are plans available in Group Health Insurance of ManipalCigna which provide coverage for the facilities like domiciliary treatment. Plans like ProHealth Group Insurance offer domiciliary treatment coverage.

Ques 6. What types of health insurance plans does ManipalCigna offer?

Ans. ManipalCigna offer different kinds of plans like individual, family floater, multi-individual, senior citizen and group health insurance.

Ques 7. How can I purchase a ManipalCigna health insurance policy?

Ans. You can purchase a ManipalCigna health insurance policy by visiting the InsuranceDekho website.

Ques 8. How does the cashless hospitalisation process work?

Ans. You need to show your health card at a network hospital, and the insurer will settle the bills directly with the hospital.

Ques 9. What is the maximum sum insured available?

Ans. The maximum sum insured available in the ManipalCigna is 25 Crore.

Ques 10. Can I customize my health insurance plan?

Ans. Yes you can customize your health insurance by adding riders to your base plan.

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FAQs

Whom should I contact for claim intimation and settlement?
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.
What is the time limit for claim submission in the case of the cashless facility?
You need to submit the claim within 15 days from the date of discharge from the hospital.
Is pre-policy medical checkup free?
Yes, ManipalCigna bears the cost of all pre-medical tests.
Does ManipalCigna share medical reports if a policy is not issued?
Yes, the medical reports are shared if you request them in writing.
What to do if a cashless hospital is not available at my location?
You can choose a non-network hospital for the treatment and raise a reimbursement claim. However, you need to inform the insurance company within 24 hours of your admission in case of emergency and 3 days before in case of planned treatment.

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I chose InsuranceDekho because of its reputation for being trustworthy. They are partnered with reputed insurance companies, giving me peace of mind about my coverage. I purchased the ManipalCigna Health Insurance that has been great for me.
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ManipalCigna
By Jasmin Kaur
On: Jul 04, 2024
Helped secure my future with a...
For my health insurance requirements, I chose ManipalCigna, and I'm really happy with my choice. I was able to quickly evaluate their plans and identify the best fit for me because of InsuranceDekho. Plans from ManipalCigna offer peace of mind because of their broad coverage and ability to be adjusted to meet my requirements. Their extensive hospital network guarantees that the best medical treatment is always available. Knowing that ManipalCigna has my back gives me comfort.
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ManipalCigna
By Mayank Gaur
On: Jun 26, 2024
Helpful to find the closest ne...
Impressed by Manipal Cigna's wide network of hospitals. Smooth claim settlement and good value for money. InsuranceDekho helped me locate the network hospital under Manipal Cigna’s network when I needed a hospital urgently. Thank you InsuarnceDekho for helping me in my times of need.
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ManipalCigna
By Mohd. Amaan
On: Jun 10, 2024
Help received to locate the ne...
Impressed by Manipal Cigna's wide network of hospitals. Smooth claim settlement and good value for money. InsuranceDekho helped me locate the network hospital under Manipal Cigna’s network when I needed a hospital urgently. Thank you InsuarnceDekho for helping me in my times of need.
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ManipalCigna
By Lakshay Chauhan
On: May 28, 2024
InsuranceDekho helped clear my...
InsuranceDekho convinced me to purchase health insurance online even though I was hesitant. Their portal made the entire process easier, and it was simple for me to compare various plans. I'm sure now that I made the best decision for my family and myself by buying the ManipalCigna health insurance.
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ManipalCigna
By Kunal Yadav
On: May 28, 2024