Choosing the best health insurance policy for yourself is an extremely important financial decision. Manipal Cigna Health Insurance is a well-known name in the Indian health insurance industry. The Manipal Group has extensive knowledge of healthcare, while Cigna Corporation is a globally recognized provider of insurance services. Therefore, Manipal Cigna Health Insurance provides many different types of health insurance policies to individuals, families, and seniors. This article will provide you with all of the information you need regarding Manipal Cigna Health Insurance; i.e., what products they offer, their features, benefits, costs (premiums), how to file claims, and answers to common questions.
About Manipal Cigna Health Insurance
Manipal Cigna Health Insurance Company Limited is a collaboration of two companies, the Manipal Group (a leading Indian organization that provides health care and education) and the Cigna Corporation (a leading American health services provider). As a result, Manipal Cigna Health Insurance utilizes the combined expertise of both organizations to develop its products. Manipal Cigna Health Insurance has developed relationships with more than 8,500 hospitals throughout India so individuals can receive cashless treatment at many of these locations.
Manipal Cigna Health Insurance provides policyholders with flexibility when it comes to paying premiums, an easy to use claim process, and numerous added-on features so you can make your health care coverage unique. You can find a Manipal Cigna Health Insurance product that fits the budget and specific requirements of almost every person who is searching for individual health insurance coverage, family floater plans, senior citizen insurance, or a top-up policy.
Types of Plans Offered by Manipal Cigna Health Insurance
Manipal Cigna Health Insurance has a range of policy types that are designed for different purposes. The following provides a brief description of the main plans available through Manipal Cigna Health Insurance.
1. Manipal Cigna Sarvah
This is the most popular plan offered by Manipal Cigna Health Insurance. It is specifically aimed at providing an affordable option for the “missing middle” of India who cannot afford expensive private medical insurance but need more than what is available through the government. Manipal Cigna Health Insurance offers the Sarvah plan in three different options: Pratham (basic), Uttam (full) and Param (premium). Each option provides various amounts of sum insured, from ₹5 lakh to ₹3 crore.
One of the main benefits of the Sarvah plan over other similar plans from other companies is that it will provide coverage for live-in partners, as well as extended family members such as grandparents and in-laws; something very rare in standard family floater insurance plans.
2. Manipal Cigna ProHealth Prime
The ProHealth Prime series offered by Manipal Cigna Health Insurance has been designed to meet the requirements of both individuals and families. The series is available with sums insured ranging from INR 3 lakh to INR 1 crore. There are three variants of the ProHealth Prime series: ProHealth Prime Protect, ProHealth Prime Advantage and ProHealth Prime Active. Each variant includes key benefits including no room rent cap, 100 percent sum insured restoration, OPD and teleconsultation coverage, and an option to obtain worldwide emergency coverage.
3. Manipal Cigna LifeTime Health
The LifeTime Health Plan offered by Manipal Cigna Health Insurance provides policyholders with a choice of sum insured amounts ranging from ₹50 lakh to ₹3 crore for high value protection. The plan is available as either an India only plan, which allows the policyholder to receive medical care within India, or as a global plan, which enables the policyholder to seek medical treatment anywhere in the world.
4. Manipal Cigna ProHealth (Standard Series)
The five available options under this series of Manipal Cigna Health Insurance are ProHealth Protect, ProHealth Plus, ProHealth Preferred, ProHealth Premier, and ProHealth Accumulate. Each option provides a minimum of ₹1 crore of health insurance, with the higher-level options providing built-in maternity benefit. All of these options also provide up to 200% of cumulative bonuses, as well as a daily cash benefit for the duration of a hospital stay.
5. Manipal Cigna ProHealth Select
Manipal Cigna Health Insurance’s ProHealth Select plan was created for budget conscious consumers, and provides a basic level of coverage, with optional additional coverage available. It is a cost effective way to begin receiving a comprehensive health care policy.
6. Manipal Cigna Prime Senior
Manipal Cigna Senior Citizen Plan is specifically created for seniors who are 56 years or older. It comes with two options – Classic and Elite – to meet the varying health care needs of older adults.
7. Manipal Cigna Super Top-Up
The Super Top-Up Plan provided by Manipal Cigna Health Insurance is a great option for individuals that are currently covered under a base health plan, however would like to be protected even further and can afford to pay a low premium. This plan will kick in after your base health plan has reached its limits on sum insured and provide you with additional coverage of up to INR 30 lakhs (or more) as well.
8. Manipal Cigna Arogya Sanjeevani
This is a standard IRDAI mandated inexpensive health insurance policy provided by Manipal Cigna Health Insurance. There are various sums insured available (from ₹50,000 to ₹10 Lakhs). This policy would be best suited for individuals or families who desire basic health insurance coverage.
9. Manipal Cigna Lifestyle Protection Plans
These are Critical Care plans (Basic and Enhanced) and Accident Care plans (Basic, Enhanced, and Comprehensive). These plans offer either one-time or multiple payments to people who suffer from a critical illness or are injured due to an accident. They work in tandem with the primary Manipal Cigna Health Insurance plan.
Key Features and Benefits
As a general rule, Manipal Cigna health insurance policies typically offer a range of features, although specific features will depend upon each individual policy and its variant:
- Cashless treatment at 8,500+ network hospitals across India
- Pre and post-hospitalization costs, which are usually covered for 90 to 180 days.
- Domiciliary hospitalization cover for treatment taken at home
- AYUSH treatment coverage (Ayurveda, Unani, Siddha, and Homeopathy)
- Road ambulance cover and donor expenses for organ transplant cases
- Free annual health check-up, often available after every claim
- Cumulative bonus of up to 10% to 200% of the sum assured for claim-free years
- Unlimited tele-consultations with general physicians
- No capping on room rent in several Manipal Cigna Health Insurance plans
- Option to select co-pay plans to reduce premium outgo
- EMI protection, premium waiver, and income protection riders
- Wellness packages encouraging preventive healthcare
Premium Chart: Manipal Cigna Health Insurance
There isn’t any single premium chart for Manipal Cigna Health Insurance. Premium prices vary depending upon the plan chosen, the amount of money that will be covered by the policy, how old the person is being insured, where they live, how long the policy lasts, who makes up their family and their health history. An example of a premium chart is provided below to help provide some idea of what Manipal Cigna Health Insurance could potentially cost for various types of people.
| Family Composition / Profile | Plan | Sum Insured | Illustrative Annual Premium |
| Individual, Age 30 | ProHealth Prime Protect | ₹15 lakh | ₹14,000 – ₹18,000 |
| Family Floater (2 Adults + 2 Children), Ages 45, 39, 21, 18 | ProHealth / Sarvah | ₹25 lakh (approx.) | ₹44,352 |
| Family Floater (2 Adults), Ages 63, 55 | ProHealth / Sarvah | ₹25 lakh (approx.) | ₹79,952 |
| Senior Citizen, Age 56+ | Prime Senior Classic/Elite | ₹5 – ₹15 lakh | Varies by age and health status |
| Individual with existing base policy | Super Top-Up | ₹10 – ₹30 lakh | Lower premium than base plans |
Note: The figures listed above are examples provided by third party comparison websites. Actual Manipal Cigna Health Insurance premium costs may vary based on periodic changes in rates and/or underwriting. Please contact Manipal Cigna Health Insurance or your designated agent for current cost quotes.
Factors That Affect Manipal Cigna Health Insurance Premiums
The price of your Manipal Cigna health insurance will be determined by a number of variables.
- Applicants’ ages – Applicants who are older will typically pay more for their health insurance as they present a higher risk of health issues.
- Sum insured chosen – Higher coverage amounts naturally cost more.
- Premium plans such as Lifetime Health or Sarvah Param are typically more expensive than standard plans such as Arogya Sanjeevani.
- City of Residence – Metro areas typically have higher rates because they incur more expensive medical treatments.
- Medical history – If you have had pre-existing conditions, your premium may be higher than average, and/or you may need to go through medical screening.
- The length of your policy term – longer policy terms, such as two or three year terms, can often provide a discount on the yearly premium.
- Add-on benefits (e.g., Critical Illness Cover and Out-Patient Department benefits) will increase the basic premium.
- A voluntary co-pay is one way that you may be able to lower your Manipal Cigna Health Insurance plan’s total premium.
Eligibility Criteria
The eligibility requirements vary based on the specific type of plan selected, however, there are general entry age rules for all of Manipal Cigna Health Insurance’s product lines: Adult entries can generally begin at age 18 and have no maximum entry age on many plans such as Sarvah; Child entries can be made as early as 91 days; senior-specific plans such as Prime Senior were developed for people over the age of 55. Most of the policy term lengths available to customers range from one to three years, allowing them to choose the duration of their coverage.
How to Claim Manipal Cigna Health Insurance
Filing a claim under Manipal Cigna Health Insurance can be done in two ways:
- Cashless Settlement: The insured person will be hospitalized in a network hospital and the hospital itself will contact Manipal Cigna Health Insurance for processing of the claim and direct payment. Thus, the insured does not have to make any out of pocket payments for their medical care which falls under the terms of the policy.
- The Policyholder must pay the medical bills directly to a Non-Network Hospital. They must submit all required documentation to Manipal Cigna Health Insurance for reimbursement of their expenses, within the time limit.
The company claims that they will process your claim in a timely manner. You can find out what is happening with your claim by visiting their website, using their mobile application, or calling customer service.
Why Choose Manipal Cigna Health Insurance?
The top five reasons people select Manipal Cigna Health Insurance over other health care providers include:
- A large and growing hospital network for cashless treatment
- A wide variety of plans suited to different life stages and budgets
- Strong backing from two established healthcare and insurance organizations
- Flexible riders and add-ons for customized protection
- Digital-first claim and policy management tools
- The plans will include modern treatments such as robot-assisted surgery and advanced day care.
Things to Consider Before Buying
When comparing Manipal Cigna Health Insurance, it is crucial to consider the various aspects of the plan such as the waiting period for pre-existing conditions; if there are any sub-limits on room rents; if there are co-pay requirements, and what is the claim settlement ratio of the company. It would also be beneficial to compare Manipal Cigna Health Insurance’s premium rates and benefits with those of other insurance companies so that you can make an informed decision based upon your individual requirements.
Conclusion
Manipal Cigna Health Insurance is an alternative to existing health insurance plans in India. The company offers different types of health insurance plans including basic (standard) plans, intermediate plans (Sarvah), and high value plans (LifeTime Health). Thus, the company can cater to customers with varying budgets and/or needs – young people/young couples/growing families/seniors. It is recommended to evaluate what type of care you would need prior to buying a policy from Manipal Cigna Health Insurance; determine how much coverage you want; and study the premium rate schedule of each plan offered by Manipal Cigna Health Insurance to ensure that the plan you choose will meet your needs.
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FAQs
1. What is Manipal Cigna Health Insurance?
Manipal Cigna Health Insurance is a health insurance provider that has been established through a partnership of the Manipal Group and Cigna Corporation, which offers several types of health insurance policies for individuals, families, and senior citizens in India.
2. What is the maximum sum insured available under Manipal Cigna Health Insurance?
Manipal Cigna Health Insurance provides policyholders with multiple sum insured choices depending upon the plan that they select. The maximum sum insured offered by Manipal Cigna Health Insurance is up to ₹3 crores on some of its plans, such as Sarvah Param and LifeTime Health.
3. Does Manipal Cigna Health Insurance cover pre-existing diseases?
Most of the Manipal Cigna health insurance policies will allow coverage of an individual’s pre-existing conditions once they have reached a certain waiting period as determined by each policy. This waiting period can vary depending upon the type of policy purchased so it is important to review this information prior to purchasing.
4. How many network hospitals does Manipal Cigna Health Insurance have?
Over 8,500 hospitals across India have been partnered with Manipal Cigna Health Insurance so that their policy holders can receive cashless medical attention.
5. Can I buy a top-up plan if I already have a different insurer’s base policy?
Yes, the Super Top-Up plan by Manipal Cigna Health Insurance can be bought as an add-on policy to a different insurer’s base policy, provided that all of the eligibility criteria for the Super Top-Up plan are met.
6. Is there an age limit to buy Manipal Cigna Health Insurance?
Manipal Cigna Health Insurance’s adult plans do not require a maximum entry age. Children may enter the plan starting at 91 days. Therefore, most individuals will find a Manipal Cigna Health Insurance plan that is available to them regardless of their current age.
