Health Insurance
Manipal Cigna
ManipalCigna Health Insurance company is a joint venture between Manipal Group and Cigna- a pioneer in health services industry with over 200 years of experience. It has six health insurance policies that offer a wide range of features. Some of its policies offer maternity cover, unlimited times restoration of sum insured, and even emergency hospitalization cover during international travel.
Manipal Cigna Health insurance plans
Super Top-up
The Manipal Cigna Super Top-up plan is designed to provide an additional layer of health coverage beyond your base health insurance policy, with sum insured options ranging from ₹1 lakh to ₹30 lakhs. It offers a flexible deductible choice between ₹1 lakh and ₹10 lakhs [depending on the plan option], allowing policyholders to customize coverage according to their needs. The plan features a guaranteed 5% increase up to a 50% cumulative bonus irrespective of claims done, no room rent restrictions, no disease-wise sub-limits, no co-payment, and coverage for non-medical expenses, making it a practical and affordable option for enhanced financial protection.
ProHealth Preferred
The Manipal Cigna ProHealth Preferred plan is a comprehensive family health insurance policy offering sum insured options from ₹15 lakhs to ₹50 lakhs. The plan features unlimited restoration of the sum insured for unrelated illnesses, cumulative bonuses of up to a 10% increase in Base SI, and access to high-end hospital rooms (excluding suites). With a relatively low waiting period for pre-existing conditions [24 months], maternity and newborn coverage, and wellness benefits such as annual health check-ups, it is designed for families seeking comprehensive and reliable health protection.
SecureHealth
The ManipalCigna SecureHealth Plan offers essential health coverage with a focus on core medical needs. Designed as an individual policy, it provides financial support for necessary medical treatments and emergencies. Above all, it is one of the few plans that are available for people with disabilities and those affected by mental illness or HIV.
ProHealth Prime Active
The ManipalCigna ProHealth Prime Active plan offers coverage for inpatient hospitalization, pre- and post-hospitalization expenses, and AYUSH treatments. It also provides value-added benefits like unlimited teleconsultations, a premium waiver on critical illness or accidental death, and a cumulative bonus to increase the sum insured. A standout is its 100% restoration benefit but only for unrelated illnesses.
ProHealth Prime Advantage
The ManipalCigna ProHealth Prime Advantage Plan is a premium health insurance that offers extensive coverage for hospitalization, outpatient expenses, and modern treatments. It comes with unlimited restoration of the sum insured, and add-ons like maternity benefits, mental health coverage, and a Supreme Bonus of up to 800%. Other added perks like OPD coverage, non-medical expense waivers, and advanced treatment options, the plan is ideal for individuals and families seeking comprehensive healthcare protection with flexibility.
LifeTime Health Global
Manipal Cigna LifeTime Health is the most expensive plan in Manipal Cigna’s stable and it comes with two variants: India and Global. The Global plan covers treatments both in India and abroad, while the Indian plan is limited to domestic treatments. Both variants are extremely comprehensive and offer add-ons like critical illness rider, OPD cover (for outpatient consultations) and Woman+ where women get coverage for screening tests like Mammograms and PAP Smears. However, the only caveat is that this plan is expensive.
LifeTime Health
Manipal Cigna LifeTime Health is the most expensive plan in Manipal Cigna’s stable and it comes with two variants: India and Global. The Global plan covers treatments both in India and abroad, while the Indian plan is limited to domestic treatments. Both variants are extremely comprehensive and offer add-ons like critical illness rider, OPD cover (for outpatient consultations) and Woman+ where women get coverage for screening tests like Mammograms and PAP Smears. However, the only caveat is that this plan is expensive.
ProHealth Protect
The Manipal Cigna ProHealth Protect plan is a flexible health insurance policy offering sum insured options from ₹2.5 lakhs up to ₹50 lakhs. It provides coverage for outpatient expenses under the Health Maintenance Benefit and worldwide emergency medical treatment. The plan includes access to high-end hospital rooms (except suites), restoration of sum insured, and wellness benefits like free health check-ups.
ProHealth Plus
The Manipal Cigna ProHealth Plus plan is a comprehensive health insurance policy offering sum insured options from ₹4.5 lakhs up to ₹50 lakhs. It provides in-built coverage for maternity and newborn expenses, outpatient consultations through Health Maintenance Benefit, and worldwide emergency medical treatment. The plan features unlimited restoration of sum insured (for unrelated illnesses), guaranteed cumulative bonuses of 10% increase, maximum up to 200% of Base SI, and access to high-end hospital rooms (except suites). It also rewards healthy behavior with redeemable Healthy Reward points, making it a well-rounded choice for individuals and families seeking extensive health protection.
ProHealth Premier
The Manipal Cigna ProHealth Premier plan is a high-end health insurance policy offering a substantial sum insured of ₹1 crore. It features unlimited restoration of sum insured for unrelated illness, guaranteed cumulative bonuses irrespective of claims 10% increase in base SI up to 200%, and access to high-end hospital rooms (except suites). With a relatively low waiting period for pre-existing diseases [24 months] and wellness benefits like annual health check-ups, the plan is tailored for individuals and families seeking premium, all-encompassing health protection.
ProHealth Select
The Manipal Cigna ProHealth Select plan is an economical and customizable health insurance policy offering sum insured options from ₹0.5 lakh to ₹25 lakh. The plan features restoration of the sum insured [Available once in a policy year for unrelated illnesses in addition to the Sum Insured opted for]. Available for all Sum Insureds except ₹50,000 and ₹1,00,000], non-reducing cumulative bonuses [5% each year, maximum up to 100%], and optional add-ons like deductibles and health check-ups, making it suitable for budget-conscious individuals seeking flexible coverage.
ProHealth Prime Senior Classic
The ManipalCigna ProHealth Prime Senior Classic Plan is designed specifically for senior citizens to purchase between the ages of 56 and 75 with lifelong renewability. The plan focuses on ease of access with no mandatory pre-policy medical check-up and offers optional covers like any room upgrade (from the inbuilt Single Pvt A/C room) and reduction in PED waiting period to just 90 days.
ProHealth Prime Protect
ManipalCigna ProHealth Prime Protect is the most affordable plan within Manipal Cigna’s stable. And its features are not half bad. Sure, there are restrictions on the kind of room you can pick and the limited bonus. But you can do away with these restrictions by buying specific add-ons. And when you do that, you’ll see that the plan is reasonably comprehensive. The only problem is - Manipal Cigna’s claim settlement ratio isn’t all that great.
ProHealth Prime Senior Elite
The ManipalCigna ProHealth Prime Senior Elite Plan, like its Classic counterpart, is specifically designed for senior citizens aged 56 to 75 years. It emphasizes comprehensive coverage with no mandatory pre-policy medical check-up, access to modern treatments, and mental illness coverage. It also offers enhanced coverage for donor expenses and enhanced control with unlimited restoration of the sum insured. Above all, the plan is designed to provide robust financial support for seniors' healthcare needs.
ProHealth Accumulate
The Manipal Cigna ProHealth Accumulate plan is a comprehensive health insurance policy offering sum insured options from ₹5.5 lakhs to ₹50 lakhs. It provides coverage for in-hospitalization, outpatient consultations under Health Maintenance Benefit, and worldwide emergency medical treatment. The plan features unlimited restoration of sum insured for unrelated illnesses, and a guaranteed cumulative bonus 5% increase in Base SI up to 200% of the sum insured irrespective of claims made.
Manipal Cigna Health insurance claim process
Manipal Cigna claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Manipal Cigna's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Manipal Cigna Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Manipal Cigna website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Manipal Cigna health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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