Manipal Cigna Health Insurance Plan – Up to INR 10 crore is covered by Manipal Cigna’s health insurance policies. The policies, which are designed to cover a large number of people and their families, are best suited for this situation. This policy provides benefits such as a cumulative bonus, modern day care and treatment costs, worldwide coverage, and a flexible selection of sum insured options.
Manipal Cigna Health Insurance Company Limited, which operates in 15 major Indian cities, is well-known for the products and services it provides. The business provides comprehensive health insurance through a wide range of distinctive options. There are various types of health insurance plans, including individual health insurance plans, family floater health insurance plans, senior health insurance plans, critical illness health insurance plans, and others. Policyholders receive unparalleled coverage benefits from these plans. Additionally, the insurer has a favorable Claim Settlement Ratio (CSR), which demonstrates its ability to effectively handle claims.
Manipal Cigna Health Insurance Plan
Are you looking for a health insurance plan that will fit your budget and provide you with the coverage you need? If so, Manipal Cigna may be the perfect option for you! With several plans to choose from, our team of experts can help you find the perfect plan for your needs. We also offer a variety of benefits, including supplemental insurance, mental health care, and more. So if you’re ready to take the next step in your health care journey, contact us today to learn more about our plans!
Manipal Cigna’s goal is to make healthcare more affordable and even more accessible to everyone. They even have plans to give individuals a strategy that will suit them best. The plan offers a variety of benefits at a reasonable cost. The Manipal Cigna Pro Health Safeguard Strategy, is appropriate for people and families. In addition to safeguarding your health, this health insurance plan aims to provide you with financial assistance for all hospital and treatment-related costs.
Manipal Cigna Health Insurance Plan Details
| Policy term | 1, 2, or 3 |
| Entry Age | 91 days and 18 years, no maximum age limit |
| Plan Basis | Individual and Family |
| Sum Insured Range | Min: Rs.2.5 lakh Max: Rs.10 lakh |
| Premium | Varies as per sum insured chosen |
| Medical Screening | Depending on age factor and sum insured chosen |
| Co-Payment | 10% to 20% on voluntary basis |
| Waiting Period | 30 days and 90 days 2 years for specific illnesses |
| Category | Insurance |
| Discounts | 7.5% for 2-year tenure, 10% for 3-year tenure |
About Manipal Cigna Insurance
One of India’s leading insurance providers is Manipal Cigna. The Cigna Corporation and the Manipal Group formed a joint venture to create this independent health insurance company. November 2011 marked the official beginning of the business. The official reports state that the Manipal Group owns 51% of the company, while the Cigna Corporation owns 49%.This is in accordance with Indian laws’ regulations. In November 2013, Manipal Cigna received its IRDA approval as well. In February of 2014, the operations were officially launched.
Why you should choose Manipal Cigna Health Insurance?
One of the most popular health insurance providers is Manipal Cigna because it provides customers with a number of unique benefits. If you sign up for Manipal Cigna’s services, you can look forward to the following benefits:
- The company’s Pro Health line of health insurance plans stand out from the competition thanks to their distinctive coverage features.
- The first global health insurance plan for employees of a company who frequently travel abroad for business purposes was Cigna’s group health insurance plan.
- The company’s flagship service, ProActiv Living, provides assistance with health-related issues and healthy living.
- In India, the company collaborates with more than 4500 hospitals to provide cashless claim settlements.
- In order to provide its customers with free access to healthcare services, Manipal Cigna has partnered with wellness providers.
- The company’s wellness programs help customers earn reward points for living healthy lives.
Types of plans offered by Manipal Cigna Health Insurance
As a stand-alone health insurance provider, Manipal Cigna provides health insurance plans. The following are examples of the plans that are available:
- Health insurance plans
- Personal accident plans
- Group health and travel plans
Health insurance
Plans for health insurance are an important part of your financial plan because of the following factors:
- The cost of medical care has risen beyond what can be afforded. As a result, a health insurance plan that covers medical expenses is required to handle any medical emergencies.
- In this day and age, accidents, illnesses, and diseases are increasingly common. These necessitate regular medical attention, which is covered by your health insurance plan.
- There are many different kinds of health insurance plans, and if you select the appropriate types of coverage options, you can get comprehensive coverage.
- Additionally, health insurance aids in tax savings. Under Section 80D, health insurance plan premiums can be deducted from taxable income up to INR 1 lakh.
Health plans offered by Manipal Cigna Health Insurance
Manipal Cigna Provider the following types of health insurance plans –
- Individual and family floater health plans
- Critical illness health plan
- Hospital cash health plan
Manipal Cigna health insurance reviews -Inclusions
Inclusions | Meanings of the Inclusions |
Hospitalization expenses | Hospitalization expenses are expenses incurred when an insured person is hospitalized for at least 24 hours. Room rent, ICU rent, nurse and doctor fees, charges for the operating room, surgeon and anaesthetist fees, blood and oxygen costs, etc. |
Pre hospitalization expenses | Pre-hospitalization expenses are those incurred prior to the insured’s actual hospitalization. These costs are covered by health plans for 30, 60, or 90 days. |
Post hospitalization expenses | Post-hospitalization expenses are those incurred for the insured’s recovery and health monitoring following discharge from the hospital. These costs are paid for 60, 90, or 180 days. |
Ambulance charges | The insured’s transportation to the hospital in an ambulance is covered up to a certain amount. |
Day care treatments | Due to technological advancement, there are medically advanced treatments that do not necessitate 24-hour hospitalization. Such medicines are called day care medicines and they are covered under wellbeing plans |
Domiciliary treatments | Domiciliary treatments are those that are carried out at the insured’s home due to either a lack of hospital beds or the insured’s inability to be moved there. |
Alternate treatments | Treatments that aren’t allopathic, like Ayurveda, homeopathy, Unani, and so on. which are taken at reputable establishments are covered. |
Organ donor expenses | The costs of obtaining an organ from a donor and then transplanting it into the insured are covered. |
Free health check-ups | Under health plans, you can get free checkups to stay healthy up to a certain limit once a year. |
No claim bonus | The policyholder receives an increase in the sum insured, a discount on their premium, and other benefits if they do not file a claim during the policy year. |
Manipal Cigna health insurance reviews – Exclusions
Exclusions | Meaning of the Exclusions |
Pre-existing illnesses | Pre-existing conditions are conditions for which the insured was already diagnosed at the time of purchase. The policy’s “waiting period” refers to the initial 1-4 years during which pre-existing conditions are not covered. |
Specific illnesses in their waiting period | Hernias, piles, joint replacement surgeries, and other treatments are among those that are not covered by the plan during the first four to five years. |
Self-inflicted injuries | Medical expenses incurred after the insured suffers self-injury or attempts suicide are not covered. |
Cosmetic and dental treatments | There is no coverage for cosmetic procedures that are not necessary to treat any illness. Essentially, dental medicines are additionally not covered except if they are expected in the treatment of a unintentional physical issue |
Mental disorders | Treatments for mental imbalances or mental disorders are not covered. |
Congenital disorders | Birth related congenital disorders and defects are not covered |
Pregnancy related expenses | Costs associated with pregnancy and childbirth are not covered unless the plan provides maternity coverage. |
HIV/AIDS/STDs | HIV/AIDS, other venereal diseases, and sexually transmitted diseases are not covered. |
Alcohol/drug usage | Consumption of alcohol or drugs, as well as any associated medical issues, are not covered. |
Unproven treatments | There is no coverage for medical treatments that are experimental or have not been shown to work. |
List of health plans offered by Manipal Cigna Health Insurance Company Limited
Name of the Plan | Variant | Type | Individual/ Family Floater | Age at Entry | Sum Insured |
Manipal Cigna ProHealth Protect Insurance Plan | NA | Indemnity Health Insurance Plan | Family Floater | Adult-18 years Child- 91 days to 23 years | 2.5 to 50 lakhs |
Manipal Cigna ProHealth Plus Insurance Plan | NA | Indemnity Health Insurance Plan | Family Floater | Adult-18 years Child- 91 days to 23 years | 4.5 to 50 lakhs |
Manipal Cigna ProHealth Preferred Insurance Plan | NA | Indemnity Health Insurance Plan | Family Floater | Adult-18 years Child- 91 days to 23 years | 15, 30, 50 lakhs |
Manipal Cigna ProHealth Premier Insurance Plan | NA | Indemnity Health Insurance Plan for HNI | Family Floater | Adult-18 years Child- 91 days to 23 years | 1 crore |
Manipal Cigna ProHealth Accumulate Insurance Plan | NA | Indemnity Health Insurance Plan | Family Floater | Adult-18 years Child- 91 days to 23 years | 5.5 to 50 lakhs |
Manipal Cigna Lifestyle Protection Critical Care Plan | Basic- 15 Critical Illnesses covered | Critical Illness Plan | Family Floater | Adult-18 to 65 years Child- 91 days to 23 years | 1 lakh to 25 crores |
Manipal Cigna Lifestyle Protection | Enhanced- 30 Critical Illnesses covered | Critical Illness Plan | Family Floater | Adult-18 to 65 years Child- 91 days to 23 years | 1 lakh to 25 crores |
Manipal Cigna ProHealth Select Plan | NA | Indemnity Health Insurance Plan | Family Floater | Adult-18 years onwards Child- 91 days to 23 years | 50,000 to 25 lakhs |
Manipal Cigna ProHealth Cash Plan | Basic | Hospital Cash Plan | Family Floater | Adult-18 years Child- 91 days to 17 years | 500 to 5000 daily cash |
Manipal Cigna ProHealth Cash Plan | Enhanced | Hospital Cash Plan | Family Floater | Adult-18 years Child- 91 days to 17 years | 500 to 5000 daily cash |
Manipal Cigna Lifestyle Protection | NA | Personal Accident Plan | Family Floater | Adult-18 to 80 years Child- 5 to 25 years | 50,000 to 10 crores |
Manipal Cigna Pro Health Protect Insurance Plan or Manipal Cigna Pro Health Protect Insurance Plan
One of the company’s most well-liked indemnity health insurance plans is the Manipal Cigna Pro Health Protect Plan. In the event of hospitalization, the plan covers the cost of medical procedures. There are five distinct plan variants, and the plan is one of them.
USP of Manipal Cigna ProHealth Protect Insurance Plan
- Sum insured levels range from INR 2.5 lakhs to INR 50 lakhs.
- All plan variants include worldwide emergency cover, which also includes international hospitalization.
- Critical illness add-on can be added for an additional premium.
- Free expert second opinion in the event of critical illnesses.
- Free health checks every two years. Health Maintenance Benefit (HMB) is available, which also covers OPD costs.
- If the sum insured is used in any policy year, coverage is allowed for up to INR 500.
- In addition, restoration is permitted multiple times during the same policy year.
- There is no age limit for enrollment, so people of any age can purchase the plan.
- A variety of optional coverages, such as hospital daily cash, a deductible limit, a voluntary copayment, and so on, are available.
Eligibility conditions and other terms of Manipal Cigna ProHealth Protect Insurance Plan
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Co-payment | 20% if the insured is aged 65 years and above |
Pre-entrance medical check-ups | Not needs till 45 years of age if sum insured is up to INR 50 lakhs. |
If sum insured is INR 50 lakhs or above, check-ups would be needs from 18 years of age | |
Pre-existing waiting period | 48 months |
Sum insured | INR 2.5 lakhs to INR 50 lakhs |
Check Also:-Top 10 Life Insurance Plans in India
Manipal Cigna Pro Health Plus Insurance Plan or Manipal Cigna Pro Health Protect Plus Insurance Plan
This plan is another variant of ProHealth Plans available with the company. It is an indemnity oriented health plan which covers the actual medical costs. The plan aims to provide high coverage benefits and sum insured levels to policyholders.
USP of Manipal Cigna Pro Health Plus Insurance Plan
- Sum insured levels range from INR 4.5 lakhs to INR 50 lakhs.
- Post-hospitalization expenses are covered for up to 180 days after being discharged from the hospital.
- OPD coverage of up to INR 2000 is allowed under the Health Maintenance Benefit.
- Cost of childbirth, new baby cover, and cover for first year vaccinations are covered.
- Healthy rewards are allowed if the insured maintains good health.
- Each policy year’s premium would be deducted from the rewards, which would eventually add up to 1%.Points can be used to pay for OPD coverage or premiums.
Eligibility conditions and other terms of Manipal Cigna Pro Health Plus Insurance Plan
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Co-payment | 20% if the insured is aged 65 years and above |
Pre-entrance medical check-ups | Not required till 45 years of age if sum insured is up to INR 50 lakhs. |
If sum insured is INR 50 lakhs or above, check-ups would be required from 18 years of age | |
Pre-existing waiting period | 36 months |
Sum insured | INR 4.5 lakhs to INR 50 lakhs |
Manipal Cigna ProHealth Preferred Insurance Plan or ManipalCigna ProHealth Preferred Insurance Plan
The Preferred plan, the third option in the ProHealth Category, is meant for people who want more coverage from their health insurance. The plan offers comprehensive coverage benefits in addition to high levels of coverage.
USP of Manipal Cigna ProHealth Preferred Insurance Plan
- The plan provides inbuilt, value-added, and optional coverage benefits.
- There is a critical illness rider that covers 100% of the insured’s sum in the event of certain critical illnesses.
- Day care and domiciliary treatments are covered up to the insured’s sum.
- There is no cap on the amount of money covered by the plan for ambulance costs.
- There is a restoration facility that covers up to the insured’s sum for unrelated illnesses.
- OPD coverage is available for up to INR 15,000.
- There is coverage After that, these points can be used to pay for OPD expenses or the premium.
Eligibility conditions and other terms of Manipal Cigna ProHealth Preferred Insurance
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Co-payment | 20% if the insured is aged 65 years and above |
Pre-entrance medical check-ups | Not needs till 45 years of age if sum insured is up to INR 50 lakhs. If sum insured is INR 50 lakhs or above, check-ups would be needs from 18 years of age |
Pre-existing waiting period | 24 months |
Sum insured | INR 15 lakhs, INR 30 lakhs and INR 50 lakhs |
Also Check :-Vi 4G Plans Prepaid ,Postpaid Data Plans
Manipal Cigna Pro Health Premier Insurance Plan or Manipal Cigna Pro Health Premier Insurance Plan
High-net-worth individuals seeking extremely high sum insured levels are the target audience for this plan. The plan has the best benefits for covering all possible medical costs in the event of an emergency and the highest level of sum insured.
USP of Manipal Cigna ProHealth Premier Insurance
- The plan offers an optional cover of hospital daily cash
- which provides a predetermined sum of money in the event of hospitalization.
- The sum insured is INR 1 crore. The following discounts are available: 10% discount for covering two or more family members;
- 7.5% discount for choosing a policy term of two years; 10% discount for choosing a term of three years.
- Coverage for up to INR 1 lakh for meeting delivery costs after a waiting period of 48 months.
- 10% increase in the sum insured if no claim is made in the previousUp to a maximum of 200 percent of the initial sum insured may be increased cumulatively.
- Coverage up to the sum insured for treatments provided by organ donors and for domestic expenses
Eligibility conditions and other terms of Manipal Cigna ProHealth Premier Insurance
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Co-payment | 20% if the insured is aged 65 years and above |
Pre-entrance medical check-ups | Not required till 45 years of age if sum insured is up to INR 50 lakhs. |
If sum insured is INR 50 lakhs or above, check-ups would be required from 18 years of age | |
Pre-existing waiting period | 24 months |
Sum insured | INR 100 lakhs |
Manipal Cigna ProHealth Accumulate Insurance Plan or Manipal Cigna ProHealth Accumulate Insurance Plan
Individuals seeking optimal or high levels of coverage will find this plan’s range of sum insured levels to be ideal. Medical expenses are covered by the plan on an indemnity basis. In order to guarantee a better coverage option, there are also optional coverage features that can be selected.
USP of Manipal Cigna Pro Health Accumulate Insurance Plan
- The offered sum insured is up to INR 50 lakhs.
- If the sum insured is exhausted during a policy year, it can be replaced.
- The plan provides a health maintenance benefit that covers OPD costs and permits this restoration multiple times as needed.
- In addition, a 5% cumulative bonus is provided, allowing the unutilized health maintenance benefit to be carried over to the following policy year.
- After two completed policy years, free health checkups are permitted.
- The sum insured increases by 5% annually when no claim is filed.
- A critical illness rider can be purchased with the plan by paying an additional premium, and this increase is permitted up to 200 percent of the actual amount insured.
- The rider covers specific diseases, and if the insured gets any of the diseases covered, the rider will pay the insured 100% in one lump sum.
Eligibility conditions and other terms of Manipal Cigna ProHealth Accumulate Insurance Plan
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Co-payment | 20% if the insured is aged 65 years and above |
Pre-entrance medical check-ups | Not needs till 45 years of age if sum insured is up to INR 50 lakhs. |
If sum insured is INR 50 lakhs or above, check-ups would be needs from 18 years of age | |
Pre-existing waiting period | 36 months |
Sum insured | INR 5.5 lakhs to INR 50 lakhs |
Manipal Cigna Lifestyle Protection Critical Care Plan or Manipal Cigna Lifestyle Protection Critical Care Plan
This is a health insurance plan with a fixed benefit for critical illness. The policy covers a list of specific illnesses, and if the insured becomes ill, the insured receives a lump sum payment.
USP of Manipal Cigna Lifestyle Protection Critical Care Plan
- The plan is available in two versions: Basic and Enhanced.
- Both versions cover 15 and 30 critical illnesses, and the insured can choose to receive benefits in one lump sum or in staggered installments over the course of a month.
- The plan also provides value-added benefits, including an additional 10% of the insured’s sum insured if the monthly instalment benefit is selected.
- Individuals with insurance have access to wellness programs and medical second opinions.
- They can get coverage up to INR 25 crores.
Eligibility terms and other conditions of Manipal Cigna Lifestyle Protection Critical Care Plan
Entry age for adults | 18 years to 65 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Pre-entrance medical check-ups | Not required till 45 years of age if sum insured is up to INR 1 crore. |
If sum insured is INR 1 crore or above, check-ups would be required at all ages | |
Waiting period | 90 days |
Sum insured | INR 1 lakh to INR 25 crores |
Manipal Cigna Pro Health Select Plan or Manipal Cigna Pro Health Select Plan
Additionally, this is an indemnity health insurance plan that covers actual medical expenses in the event of a medical emergency. The plan offers some of the best benefits in terms of coverage and is available as an individual or family floater option.
USP of Manipal Cigna Pro Health Select Plan
- If the insured suffers from a critical illness or accidental permanent total disability, the policy’s coverage period automatically extends to two years.
- There are four options for selecting the no claim bonus, which allows the sum insured to be increased by up to 200 percent.
- coverage for AYUSH treatments in the hospital
Eligibility terms and other conditions of Manipal Cigna Pro Health Select Plan
Entry age for adults | 18 years onwards |
Coverage age for children | 91 days to 23 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Pre-entrance medical check-ups | Not needs till 45 years of age if sum insured is up to INR 10 lakhs. |
If sum insured is INR 15 lakhs or above, check-ups would be needs from 19 years of age | |
Pre-existing waiting period | 48 months |
Sum insured | INR 50,000 to INR 25 lakhs |
Manipal Cigna ProHealth Cash Plan or Manipal Cigna ProHealth Cash Plan
This is a cash insurance plan with a fixed benefit for hospitals. In accordance with the plan, the insured would receive a claim for a fixed daily benefit regardless of the incurred medical costs if they were hospitalized for at least 24 hours.
USP of Manipal Cigna Pro Health Cash Plan
- Two plan options are available, and the policyholder can choose a fixed benefit ranging from INR 500 to INR 5000.
- Optional additional coverage features are allowed to expand the scope of the plan.
- If a family member takes the insured to the hospital, half of the daily benefit is paid.
Eligibility terms and other conditions of Manipal Cigna Pro Health Cash Plan
Entry age for adults | 18 years to 65 years |
Coverage age for children | 91 days to 17 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Pre-entrance medical check-ups | Not needs till 45 years of age if sum insured is up to INR 3000. |
If sum insured is INR 3000 or above, check-ups would be needs from 35 years of age | |
Pre-existing waiting period | 48 months |
Sum insured (fixed daily benefit) | INR 500 to INR 5000 |
Personal accident insurance
Why buy personal accident insurance?
In this day and age, accidents are quite common, and if you are hospitalized as a result, a health insurance plan covers your medical expenses. But what happens if someone dies or becomes disabled by accident? You need insurance to safeguard yourself and your family in the event of these emergencies, which also result in financial loss. Here is where an individual mishap protection plan comes into the image. The policy provides a lump sum benefit in the event of accidental deaths as well as total and partial disablement. People are able to cover the financial losses they sustained as a result of unintentional contingencies thanks to the benefit provided by the plan.
Coverage under Manipal Cigna personal accident insurance
Plans for personal accident insurance typically cover the following scenarios:
- Death as a result of an accident
- Permanent partial disability as a result of an accident
- Permanent total disability as a result of an accident
- Temporary total disability as a result of an accident
- Coverage for burns or fractures sustained in an accident
- Loss of employment, which results in the payment of a lump sum benefit
- Education fund for dependent children as a result of an accident or permanent total disability.
In addition to these benefits, personal accident insurance policies exclude the following:
- Addiction to drugs, self-inflicted injuries,
- or suicide, acts of a criminal nature,
- pre-existing illnesses, and other similar behaviors
Personal accident plans offered by Manipal Cigna
One personal accident plan is offered by Manipal Cigna, and it is as follows:
Manipal Cigna Lifestyle Protection Accident Care Plan or Manipal Cigna Lifestyle Protection- Accident Care Plan
It’s a comprehensive plan because this personal accident plan has a lot of built-in and optional coverage benefits. The plan provides the following USPs: it provides a benefit in the event of accidental death or disability.
USP of Manipal Cigna Lifestyle Protection – Accident Care Plan
- There are three coverage options available to the policyholder in the event of the insured’s accidental death or disability while traveling as a passenger on an airline. In all plan variations, coverage for funeral and ambulance costs is included.
Eligibility terms and other conditions of Manipal Cigna Lifestyle Protection – Accident Care Plan
Entry age for adults | 18 years to 80 years |
Coverage age for children | 5 years to 25 years |
Maximum cover ceasing age | None. Renewals are allowed lifelong |
Sum insured (fixed daily benefit) | INR 50,000 to INR 10 crores |
Group health and travel plans
Manipal Cigna offers a variety of insurance plans to groups in addition to individual plans. Plans for group insurance are those purchased by a recognized organization for its members. The following types of group insurance plans are available from Manipal Cigna:
- Manipal Cigna Global Health Group Policy is a group health insurance plan that provides global coverage for the group’s members.
- Lifestyle Protection Group Policy is a policy that provides coverage for personal accidents and critical illnesses all in one policy.The group can choose to cover either personal accident or critical illness, or both, of the various coverage options.
The - ProHealth Group Insurance Policy is a group-specific indemnity health insurance policy.The group can select the best coverage option for its needs from among the plan’s various variants.
- The Group Overseas Travel Insurance Policy is a group travel insurance policy designed to cover trips abroad for meetings, incentives, conventions, and exhibitions. The plan is comprehensive and can cover people up to the age of 95.
Also Read-Health Insurance Plans In India
Premium Calculator of Manipal Cigna Health Insurance Plans
The health insurance plans offered by Manipal Cigna have affordable premiums that can be estimated using online premium calculators. Simply enter the details of your coverage, and the premiums will be quickly and easily calculated. The premium calculator is easy to use and can be used to alter the coverage details to alter the calculated premium.
How to pay premiums for your Manipal Cigna Health Insurance Plan?
Manipal Cigna provides policyholders with a variety of ways to pay for their health insurance. You can pay your premiums in any of the following ways:
- cash, a check, or a demand draft
- online through net banking; debit cards
- credit cards; and mobile wallets.
How to apply for Manipal Cigna’s Insurance plans?
You can apply for Manipal Cigna’s insurance plans through online platform. The steps of applying include the following –
- Log onto website at buyonline.manipalcigna.com
- Share the Information about your profile
- Compare and choose the health plane policy of Manipal Cigna
- Check the information of the policy and choose the policy which you need
- press on ‘Buy Now’ tab to buy the policy
- Fill in the information of coverage, medical history and your KYC update in the online health insurance application form
- You would then have to throw pay the premium of the plan online.
- Once the premium is paid, the policy would be issued. The hard copy of the policy emailed to you and the physical policy document would forwards your registered address within a few days.
How to make a health insurance claim for Manipal Cigna health insurance plans?
The in-house claim settlement department at Manipal Cigna can assist you in settling your hospitalization claims as soon as possible. You can make health insurance claims at any time by calling the company’s 24 hours a day, 7 days a week claim helpline.
There are two different kinds of health insurance claims:–
- If you are hospitalized at a hospital that is affiliated with your insurance company, you can file a cashless claim.
- If you receive reimbursement for your treatment at a hospital that is not affiliated with your insurance company, you can file reimbursement claims.
What is the process for Manipal Cigna cashless health insurance claim?
- It would be a cashless claim if you were admitted to a networked hospital.
- You should notify the insurance company of your claim right away.
- Fill out a pre-authorization form with the details of your claim and send it to the insurance company.
- The form should be completed and submitted at least three to five days prior to planned hospitalization.
- If, on the other hand, you were hospitalized because of an emergency, fill out the form and send it in within 24 hours.
- The insurance company will look over the pre-authorization form and approve the claim.
- Once the claim is approved, you can get treatments that don’t cost money.
- The insurance company would settle the hospital’s medical bills directly.
- To finish the claim process, the Manipal Cigna Health Insurance claim form and all medical records should be sent to the insurance company.
What is the process for Manipal Cigna reimbursement health insurance claim?
- Your claim would be settled on a reimbursement basis if you were admitted to a hospital that was not part of the network.
- You should let Manipal Cigna know about the claim before getting treatment.
- Make sure you cover the costs of your medical treatments.
- Collect the Discharge Summary following your hospital discharge.
- Complete the Manipal Cigna Health Insurance claim form and submit it along with all of your original medical reports and bills.
- The insurance company should also receive the Discharge Summary.
- Manipal Cigna would evaluate the submitted documents, confirm the legitimacy of the claim, and then pay for the hospital stay.
Documents required for processing Manipal Cigna health insurance claim?
When you are making a claim under your health insurance policy, the following documents would have to be submitted to the insurance company for a successful settlement of the claim amount –
- Claim form of Manipal Cigna which should be filled and signed
- Medical reports concerning the treatments for which you have raised the claim
- All the medical bills in original
- Discharge Summary from the hospital
- Any other medical or personal documents which Manipal Cigna asks you to submit
How to renew Manipal Cigna health insurance plans?
On the Manipal Cigna website, you can easily renew your health insurance plans online.buyonline.manipalcigna.com will display the current policy’s details when you enter the number. You can make changes to your policy, such as increasing the amount of coverage, adding or removing members of your family, choosing add-ons, and so on. during the renewal period. The amount of the renewal fee would be computed and displayed. Your insurance policy will be renewed right away if you pay the premium online.
Related Post-