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ManipalCigna Health Insurance
250+ Plans 18 Insurance Companies
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ManipalCigna Health Insurance

Health contingency never comes announced, and the sheer fact of its unpredictability necessitates one to be prepared. ManipalCigna Health Insurance can be a good option for covering those unexpected expenses arising out of a medical emergency and prevent the burning of a hole in the pocket and liquidation of savings. Healthcare costs are rising due to inflation and considering this having a health insurance plan in place is necessary. ManipalCigna Health Insurance Plan is just the right kind of cover one can seek for. Cigna Health Insurance Plans provide for a range of options to meet every individual need and are customizable, and deliver comprehensive benefits. 

What is ManipalCigna Health Insurance?

Considering the impact of emerging health issues linked to modern lifestyle and other related habits, the smart choice is to have adequate health insurance cover. The right insurance plan will not only offer financial protection of savings but also ensure that best of healthcare is available to the insured. 

Cigna Health Insurance India offers a complete suite of health insurance solutions and much more, through health and wellness services aimed at the overall wellbeing of their customers. Thus, under their Prohealth brand name, they provide a comprehensive health insurance cover with a liberal option. Their plans cover in-patient cashless treatment in a broad spectrum of 6500+ network hospitals in every nook and corner of the country. 

Cigna Health Insurance Policy is a unique cover for a range of health contingencies. These include generous waiting period rules, pre and post hospitalization expenses, daycare treatment, alternative treatment under AYUSH, health maintenance benefit, cumulative bonuses irrespective of claims to beat inflationary trends, ambulance cover and attractive discounts. 

Why Should One Choose ManipalCigna Health Insurance?

Having understood the importance of purchasing suitable and adequate health insurance, it is also imperative that one chooses the insurer with care. ManipalCigna Health Insurance works on the principle of supportive health services, which goes beyond health insurance coverage. Thus, they act as illness and wellness partners, that provide cost sufficient quality healthcare as well as a healthier and secure life. The range and scope of ManipalCigna Health Insurance solutions extend to general health, personal accident, major critical illness, and comprehensive care. The key highlights of the company are: 

  • Global emergency cover anywhere in the world
  • A dedicated customer support system is alert on a 24/7 basis
  • Cigna Health Insurance has been adjudged the Best Health Insurance in the Company of the Year at the India Insurance Summit and Awards, 2019
  • 6500+ network hospitals to offer cashless services
  • Tax benefits to be avail up to Rs 1 lakh
  • Easy and hassle-free claim settlement

Features and Benefits of ManipalCigna Health Insurance Plans

Given the number of health insurance plans in the portfolio of ManipalCigna, it makes sense to study each plan in more significant detail and also analyze their features and benefits for easy comprehension. However, there are some common benefits applicable to all the plans, tax benefits being the major among them.

  • Tax Benefits: There are ample tax savings options under the IT Act, 1961 Section 80D, for all premiums paid towards health insurance in any given financial year. Tax benefits are subject to the prevailing tax norms as per the Income Tax Act.
  • Global Coverage: Cigna Health Insurance Plans provide coverage for medical emergencies anywhere in the world with health coverage to tide over the immediate crisis. 
  • Renewability: All the Cigna Manipal Plans come with the benefit of lifelong renewability. 

Types of Cigna Health Insurance Plans

Health insurance plans offered by ManipalCigna cover all sorts of health conditions with some unique additional benefits to make them highly attractive to the customers.                                              

                                               ManipalCigna Health Insurance Plans

Name of the Plan

Primary Highlights

Manipal Cigna ProHealth Insurance

It is the flagship health insurance plan of ManipalCigna

Lifestyle Protection - Critical Care

Covers for 30 critical illnesses

Lifestyle Protection - Accident Care

Global coverage for accidental injuries and death

Manipal Cigna Super Top-up Plus

It helps to enhance health coverage at an affordable cost

Manipal Cigna ProHealth Select


It provides reassurance benefits in case of critical illness and accident

Arogya Sanjeevani Policy

It is a standard health insurance plan promoted by IRDA

Manipal Cigna ProHealth Cash

Lumpsum daily cash allowance for items not covered by insurance

Manipal Cigna Global Health Group Policy

It is a comprehensive plan for global coverage for the group segment

Lifestyle Protection Group Policy

It is a group personal accident policy with a choice of optional covers

ProHealth Group Insurance Policy

It is a large group yet flexible health insurance

ManipalCigna ProHealth Insurance

As already enunciated, this is the provider's flagship health insurance product providing a wide range of benefit structure for comprehensive coverage.

Key Highlights

Sum Insured:

It is offered up to a maximum of Rs.1 crore in a selection of plan options:

  • ManipalCigna Prohealth Protect: Rs 2.5 lakh to Rs 50 lakh
  • ManipalCigna Prohealth Plus: Rs 4.5 lakh to Rs 50 lakh
  • ManipalCigna Prohealth Accumulate: Rs 7.5 lakh to Rs 50 lakh
  • ManipalCigna Prohealth Preferred: Rs 15 lakh to Rs 50 lakh
  • ManipalCigna Prohealth Premier: Rs 1 crore


  • Pre-Hospitalization Coverage: It covers all expenses, including consultation, diagnostic, and pharmacy costs for 60 days.
  • Post Hospitalization Coverage: It covers all expenses for a period of 90/ 180 days after discharge from the hospital.
  • Hospitalization: All costs for in-patient treatment in a hospital with stay is covered more than consecutive 24 hours.
  • Daycare Treatment: A wide range of about 545 daycare procedures are covered where hospitalization is less than 24 hours.
  • Maternity Cover: It includes childbirth, cover for a newborn baby, and first-year vaccinations.
  • AYUSH Cover: Coverage includes alternative treatment methods such as Ayurveda, Homeopathy, Siddha etc.
  • Ambulance Cover: Transportation expenses to the hospital in an ambulance is provided.
  • Cumulative Bonus: It is a Guaranteed Claim Bonus, where the sum insured is enhanced by 5 / 10% every policy anniversary on Manipal Cigna Health Insurance Renewal. As an illustration, ManipalCigna ProHealth Plus for coverage Rs 5.5 lakh shall increase up to Rs 55000. The extent is up to 200% of the sum insured. 
  • Health Maintenance Benefit: The coverage extends to spectacles, contact lenses, and medical aids like a walker, etc.
  • Healthy Rewards: One earns healthy rewards which can be redeemed against the premium payment.
  • Discounts: There is an array of discounts lined up for policies purchased for family and terms higher and one year.

ManipalCigna Lifestyle Protection - Critical Care

It is a health insurance plan that differs from the usual health insurance as it pays a lump sum amount at diagnosis of listed critical illnesses. 

Key Highlights

  • Sum Insured: The plan offers sum insured up to Rs 25 crore.
  • Plan Options
    • Basic: Covers 15 critical illnesses
    • Enhanced: Covers 30 critical illnesses
  • Payout Options: Lump-Sum: The sum insured is paid on diagnosis of the critical disease as a single payment.

Staggered: The payout 25% of the sum insured in a lump sum, and the rest is staggered over 60 months in equal installments plus 10% additional benefit.

  • Waiting Period: It is initial 90 days from commencement of risk and survival 30 days from the first diagnosis or surgical procedure.
  • Pre-Policy Medical Screening: It is based on age, health history, and the quantum of the sum insured

ManipalCigna Lifestyle Protection - Accident Care

It is a plan with global coverage related to accidents and its outcome, which may be death, permanent disability, loss of income, and education fund.  

Key Highlights

  • Sum Insured: In a range from Rs 50,000 up to a maximum of Rs 30 crore
  • Cover Type: Individual and family
  • Accidental Death: The average payout of the sum insured is 100%, which is 200% in the case of death while traveling in a common carrier as a fare-paying passenger.
  • Permanent Disability: The payout principle is the same as that of death due to accident. However, if the permanent disability is partial, then the payout is limited to 100% only.
  • Orphan Benefit: Where both the parents meet with accidental death, the dependent child is paid the total sum insured.
  • Loss of Employment: In case of permanent disability, the last basic salary will be paid for three months as compensation.
  • Additional Cover:
    • Optional cover for Temporary Total Disablement, Burns Benefit, broken Bones Benefit and Coma Benefit in a lump sum up to 100% of the amount insured.
    • One-time funeral expenses up to Rs.10000 is offered
    • Education Fund equal to 10% of the sum insured up to Rs 10 lakh in case of permanent disability of a parent or 1% of sum insured in case of Temporary Total Disablement subject to a maximum of Rs 25000 per week up to 100 weeks.
    • Ambulance expenses up to Rs 10000 is provided. 

ManipalCigna Super Top-up Plus

 It is designed to supplement the existing health insurance by substantially enhancing the sum insured at a fractional cost of the original.   

Key Highlights:

  • Sum Insured: From Rs 3 lakh to Rs 30 lakh
  • Deductible: Option to select deductible ranging from Rs 3 lakh to Rs 10 lakh
  • Expense Cap: All the hospital in-patient expenses are without any cap


  • Pre-hospitalisation cover for 60 days
  • Post Hospitalisation cover for 90 days
  • In-patient Hospitalization cover
  • Daycare treatment
  • Donor expenses cover
  • Non-medical expenses cover
  • Ambulance cover
  • Reduction of the waiting period for pre-existing diseases from 48 months to 24 months
  • Option for Critical Illness add-on cover
  • AYUSH treatment cover
  • Usual discounts are also applicable to this plan

ManipalCigna ProHealth Select

It is designed to protect the insured with vital health covers of choice both for the individual and family. 

Key Highlights:

  • Sum Insured: Up to Rs.25 lakh
  • Inclusions:
    • Pre-Hospitalization
    • Post Hospitalization
    • In-patient Hospitalization
    • Daycare treatment
    • Donor expenses cover
    • Domiciliary Hospitalization cover
    • Restoration of the sum insured.
    • Removal of room rent cap by paying an additional premium
    • Ambulance cover
  • Option for Critical Illness add-on cover
  • Automatic extension of policy term for two years on a diagnosis of critical illness or accidental permanent disability
  • Option for disease-specific sub-limit
  • Health check-up for insured over 18 years of age
  • Global acceptance
  • AYUSH treatment cover
  • Usual discounts are also applicable to this plan

ManipalCigna ProHealth Cash

The plan offers multiple cash allowance benefit to compensate for expenses not covered by a regular health insurance policy. 

Key Highlights

  • Sum Insured
    • Critical Illness: Rs 50,000 to Rs 25 Lakh
    • Accidental Death and Permanent Disability: Rs 50,000 to Rs 25 Lakh
  • Cover Type: Individual only
  • Daily Cash: The daily cash benefit of Rs 500 to Rs 5000 in a lump sum.
  • Companion Benefit: Additionally, 50% of the daily cash allowance paid to the family member taking care of the patient in a hospital
  • Hospitalization Abroad: The daily cash allowance is thrice the amount in case of hospitalization abroad
  • Days of Coverage: It is denoted per policy year subject to a maximum of 450 days in a lifetime.


  • Daycare treatment
  • Option for Critical Illness and Accidental Death and Permanent Disability cover

Arogya Sanjeevani Policy

 It is a standard health insurance policy promoted by the IRDA for rolling out by all insurers PAN India. 

Key Highlights

  • Sum Insured: From Rs.1 lakh to Rs.5 lakh
  • Premium: It is same across the country
  • Daycare: It is available
  • Hospitalisation Expense Cover: Cashless hospitalization available up to a specified limit at more than 6500 hospitals across the country
  • Day Care Treatment: Available
  • Policy Type: Individual, immediate family members are to be covered
  • Pre-existing Illness Cover: After 48 months
  • Co-payment: 5% 

Eligibility Criteria to Buy Cigna Health Insurance Policy

The age-related eligibility criteria for different plans of ManipalCigna Health Insurance are tabulated below. 

                                         ManipalCigna Health Insurance Plans

Name of the Plan

Minimum Age

Maximum Age

Manipal Cigna ProHealth Insurance

91 days / 18 years

No bar

Lifestyle Protection - Critical Care:

18 years

65 years

Lifestyle Protection - Accident Care

5 /18 years

25 / 80 years

Manipal Cigna Super Top-up Plus

91 days / 18 years

No bar

Manipal Cigna ProHealth Select

91 days / 18 years

No bar

Manipal Cigna ProHealth Cash

91 days / 18 years

17 / 65 years

Arogya Sanjeevani Policy

91 days/18 years

15/65 years

Inclusions and Exclusions of Cigna Health Insurance Policy

It is of absolute importance to the policyholder to ascertain the provisions of inclusions and exclusions by reading the fine print of the policy document. Deficiencies in understanding the requirements may severely impact the claim process and final settlement amount. 

Inclusions of Cigna Health Insurance Policy

This comprehensive health insurance plan from ManipalCigna comes with the following inclusions:

  • Pre-hospitalization
  • Post-hospitalization
  • In-patient Hospitalization
  • Daycare treatment
  • Donor expenses cover
  • Non-medical expenses cover
  • Ambulance cover
  • AYUSH treatment cover

Exclusions of Cigna Health Insurance Policy

The common exclusions of ManipalCigna Health Insurance policy are as follows:

  • Treatment of disorders and surgeries involving stem cell therapy
  • Dental procedures
  • Circumcision
  • Birth control procedures
  • Routine eye treatments including laser surgery
  • Mental disorders
  • Sexually Transmitted Diseases
  • Treatment of developmental issues

*For the complete list of exclusions, kindly refer to the policy document 

ManipalCigna Health Insurance Renewal Process

The renewal process for any ManipalCigna Health Insurance Policy can be either done online or offline. The policy automatically terminates if ManipalCigna Renewal is not done before or on the renewal due date. However, there is a grace period of 30 days for the renewal process, if anyone misses the actual date. 

ManipalCigna Health Insurance Renewal Offline

In can be done by visiting any of the branch offices of the insurance provider and paying the premium amount in person.

ManipalCigna Health Insurance Renewal Online

It is the most preferred mode with the additional benefit of getting premiums at a discounted rate. The process is done in a few steps.

  • Visit the official website of the insurer and login with the customer ID 
  • Select the "Renew Policy" Tab
  • Input Policy Number and click on "Proceed”
  • On the next page, pay the premium digitally, thus, ManipalCigna health insurance renewal is done
  • Retain the acknowledgment on renewal

Claim Process for ManipalCigna Health Insurance

ManipalCigna Health Insurance has a robust claim settlement mechanism with a dedicated team of experts assisting for a seamless experience. It is reflected in their achieved claim settlement ratio of 84.91% in the FY 2018-19. There are two basic claim facilities – Cashless and Reimbursement. Note that both the processes, as well as access to the Network Hospitals of ManipalCigna, are routed through either their service partner or TPA. The primary necessity is to notify ManipalCigna using either the toll-free number or their email.

Toll-Free Number: 1800 419 1159

Email: cigna[at]mediassistindia[dot]com

Details required for claim intimation:

  • Policy Number
  • Name of the policyholder
  • Name of the insured person for whom claim is raised
  • Nature of illness/injury
  • Name and address of the attending physician or hospital
  • Any other information sought 

ManipalCigna Health Insurance Cashless Claim

It can be availed only at the Network Hospital of ManipalCigna. The following steps are the usual protocol in case of claiming for cashless services. 

  • Intimation: The insurer has to be intimated in case a claim arises. The intimation can be done either on the phone or by writing a mail. In case of planned hospitalization, the insurer has to be informed at least three days before admission. Emergency hospitalization has to be intimated within 24 hours of admission
  • Authorization: The TPA desk at the hospital sends the Pre-authorization Form duly completed and signed by the treating doctor. The insurer approves the cost of treatment as per the terms in the policy document.
  • Discharge: After the treatment is over, the hospital submits all the necessary bills, case sheets, investigation requests, and reports, all raised bills along with the discharge summary for final authorization. Once approved, the residual payment, if any, is made by the insured, and the patient is discharged.
  • Claim Settlement: Payment is made directly to the hospital by settling the medical bills.

ManipalCigna Health Insurance Reimbursement Claim

The insured submits a claim to the TPA / Insurer, after due process of treatment and settlement of bills with the hospital out of own resources. 

  • Intimation: The insurer has to be intimated through the phone or by writing a mail. In case of planned hospitalization, the insurer has to be informed at least three days before admission. Emergency hospitalization has to be intimated within 24 hours of admission
  • Submission of Claim: It should be done within 15 days of discharge from the hospital by submitting the following documents:
    • Duly completed Claim Form
    • All hospital documents comprising of a discharge Certificate, Doctor's reference slips, etc.
    • All hospital bill, including the break-up of expenses
    • Investigation documents, lab test report in original
    • Claimant's photo ID card
    • Claimant's bank account details, including one canceled cheque

ManipalCigna Health Insurance Claim Settlement

On receipt of all the documents, ManipalCigna assesses the claim and approves it based on the Policy Document's terms. The payable amount is remitted to the beneficiary account through NEFT. 

How to Buy a ManipalCigna Health Insurance Plan?

One can buy Cigna Health Insurance Plan both at the branch offices and online at the insurer’s website. Online purchase has its inherent advantages, mainly compare the plans and draw a lower premium. However, before opting for online purchasing, it is prudent to check up the ManipalCigna Health Insurance reviews for the ideal plan to suit one's needs. The online process can be described in the following steps.

  • Visit the official website of ManipalCigna and click on the "Quick Quote" option.
  • Input the details sought in order as under:
    • The plan to buy
    • Cover type – Family or Individual
    • Email ID
    • Port or not: Y/N
    • No of adults
    • No children below 25 years only
    • Age of the eldest member
    • Gender
    • Sum Insured in lakhs: Tick the desired amount
    • Policy Term
    • Full name
    • PIN Code
    • Upgrade zone: It determines mandatory Co-pay if any
    • Mobile number
    • Accept the authority of the insurer to contact
    • Submit

Receipt of Quote and Premium Payment

Once the above details are submitted, a suitable quote is communicated along with the proposal number. In the next step, the "Quick Payment" tab under "Resources" is required to be invoked. The steps for payment are:

    • Proposal Type: New application
    • Payment for: Choose Premium Payment
    • Proposal number
    • Amount
    • Click on the Proceed button
    • Complete the payment process using the available options 

Receipt of Policy Document

The requisite documents along with medical test if any, needs to be completed before the application is processed and policy document mailed/couriered to the insured. 

Documents Required to Buy ManipalCigna Health Insurance Plans

The prescribed list of documents is standard for health insurance across all insurers. Accordingly, to buy ManipalCigna Health Insurance, the following documents are needed:

  • Identity proof
  • Age proof
  • Address proof
  • Income proof
  • Pre policy medical screening reports wherever applicable

However, it should be understood that the company is free to ask for any additional documentation that may require a specific plan.

ManipalCigna Health Insurance FAQs:

Written By: Paisawiki - Updated: 09 April 2021

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