ManipalCigna Health Insurance Plans, Benefits, Policy Renewals Online

ManipalCigna Health Insurance Plan 2023

ManipalCigna Health Insurance Company is a joint venture between the renowned Indian Manipal Group and the American multinational healthcare and insurance company – Cigna Corporation. In a very short span of time, ManipalCigna has emerged as one of the fastest growing insurers in India by offering affordable health insurance solutions. The positive ManipalCigna health insurance reviews online are a testament to the high quality services rendered by the insurer. The company offers a gamut of health insurance plans for individuals, families and groups, and more. This page is your one-stop solution for all the details you need about ManipalCigna Health Insurance Company Limited, its myriad health insurance plans, reasons to opt for ManipalCigna health insurance plans, and much more.

Reasons to Choose ManipalCigna Health Insurance

While the reasons to opt for a ManipalCigna health insurance plan for yourself and your loved ones galore, the top ones are explained in detail below.

Vast Network of Hospitals: ManipalCigna has a network of more than 6500 hospitals; which means that you can get world-class treatment at any of these facilities with cashless payment option.

Cashless Treatment Facility: With a ManipalCigna health insurance plan, you do not have to worry about paying hefty hospital charges as the insurer offers cashless treatment for the convenience of its customers.

Tax Benefit: ManipalCigna health insurance plans also allow you to claim tax benefits under Section 80D of the Income Tax Act. You can even claim additional rebate in case your parents are senior citizens and covered in your plan.

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Various ManipalCigna Health Insurance Plans

ManipalCigna ProHealth Insurance: With this health insurance plan, single or recently married individuals can enjoy a comprehensive cover and secure their present and future against financial stress from medical complications.

ManipalCigna ProHealth Select: It allows you to design your ManipalCigna health insurance plan and pay for the inclusions and features you choose to have in the policy. In other words, this is a customizable policy that offers you exactly the health insurance plan that you need.

ManipalCigna Super Top Up: This plan helps ensure an adequate financial cover/sum insured for you and your loved ones.  

Arogya Sanjeevani Policy: An affordable health insurance plan of up to INR 5 Lacs, this policy helps you protect yourself against medical expenses with affordable premiums.

ManipalCigna ProHealth Cash: A medical emergency brings with a range of small cash expenses. ManipalCigna ProHealth Daily Cash plan offers you financial aid towards hospitalization expenses for a comprehensive cover.

Corona Rakshak Policy: These are concerning times when a global pandemic is keeping us on the edge. With this standard benefit-based health policy, you can enjoy a sum insured of up to INR 2.5 Lacs for medical expenses due to coronavirus infection.

Corona Kavach Policy: This is another ManipalCigna health insurance policy that is diligently designed to safeguard you and your family from any unforeseeable medical expenses resulting from contracting coronavirus. This covers not only hospitaliation, but home treatment costs as well.

ManipalCigna Group Insurance Policies: There are several ManipalCigna group health insurance policies, such as ProHealth Group Insurance Policy, ManipalCigna Group Overseas Travel Insurance Policy, ManipalCigna Lifestyle Protection Group Policy, ManipalCigna FlexiCare Group Insurance Policy and more to protect your entire family.

How to Submit a Reimbursement Claim with ManipalCigna Health Insurance

Cashless treatments are not available at hospitals that are not a part of your insurer’s network. Hence, if you or your loved ones receive treatment at a hospital that is not included in 6500+ ManipalCigna network hospitals, then you can submit a reimbursement claim later. You can do this by follow the three easy steps mentioned below.

Step 1: Go to the official ManipalCigna Health Insurance website and download the claims form. You can then fill this form and prepare all the original documents required for the claim. The form includes information regarding the essential documents.

Step 2: Once the form is ready and you have all the necessary documents, head to the nearest ManipalCigna Health Insurance Company Limited branch and submit the same for processing.

Step 3: Post processing, the amount is transferred directly to your registered bank account.

ManipalCigna Health Insurance Cashless Claim Process

In case of planned hospitalization, you can contact the TPA or third party administrator desk at the hospital to initiate the claims process. Please remember to contact the TPA desk 48 hours or two days prior to hospitalization. If there is an emergency or an unplanned hospitalization, then you may contact the TPA desk within 24 hours or one day of hospitalization to start the claims process. Following are the steps for claiming cashless treatment facility at a ManipalCigna partner hospital.

Step 1: The hospital TPA submits the preauthorization form alongside all the relevant medical records to the insurer company, i.e. ManipalCigna Health Insurance.

Step 2: ManipalCigna analyzes the claim request and grants an initial approval for you to initiate the hospital procedures.

Step 3: In case there is a need to increase the cashless treatment amount initially approved, you can submit the relevant documents to the TPA, who forwards the same to ManipalCigna Health Insurance for approval.

Step 4: The TPA at the hospital submits the final bill as well as the discharge summary to the insurance company at the time of discharge.

Step 5: Post final assessment of the claim request, the insurance company grants enhanced or final approval for the apt amount as per the policy.

Step 6: After the final approval, in case there are some non-payable expenses that are not covered under your ManipalCigna health insurance plan, then you must pay the same at the hospital.

Since the approval process can take a few hours, please be advised to get in touch with the TPA at the earliest to expedite the entire cashless treatment procedure.

ManipalCigna Health Insurance Exclusions

Not all medical procedures are covered under health insurance plans, and these are referred to as exclusions. There are several of these exclusions that are common amongst all or most health insurance plans. These are explained in detail below.

Pre-existing Illness: No pre-existing illnesses are covered under ManipalCigna health insurance plans. However, depending on the policy, a few may be covered with a waiting period of three to four years.

Intentional Self Harm: ManipalCigna, much like all other health insurance providers in India, does not cover treatment for self injury or treatment required due to suicide attempt in any of its policies.

Cosmetic Surgeries: Dental procedures and any form of cosmetic surgery are not covered under ManipalCigna health insurance plans. However, in case a cosmetic surgery is necessary due to an accident or injury and recommended by a medical practitioner, then the insurer may foot the bill for the procedure.

Tracking Claim for ManipalCigna Health Insurance

There are several ways to inquire about the status of your insurance claim.

The easiest way is to call the ManipalCigna Health Insurance customer care number.

You can also send an email at the official email id of the insurer. Please note that ManipalCigna shares the updated status of the claim via SMS and emails. Hence, it is imperative to keep these contact details updated at all times.

You can also visit the official ManipalCigna website to check the status of your claims.

Moreover, you can also download the TPA’s app to verify the status.

How to Buy Manipal Cigna Health Insurance Policy Online

ZFunds makes it easier than ever to buy ManipalCigna health insurance. Now you can know about all the details of different ManipalCigna health insurance plans, compare policies, and buy your preferred plan in just a few clicks/taps.

Frequently Asked Questions about ManipalCigna Health Insurance

Q : Are pre-existing illnesses covered under ManipalCigna health insurance ?

A. Any pre-existing illness – a medical complication that the insured person is suffering from at the time of purchasing the policy – is usually not covered under ManipalCigna health insurance plans. However, some policies may cover a few illnesses with a waiting period of three to four years, with certain other terms and conditions.

Q. What is “Waiting Period” in health insurance plans ?

A. While myriad illnesses are covered from day one of purchasing a health insurance policy, many are excluded from coverage initially. These illnesses, however, are covered after the expiry of a predefined period, which is known as waiting period. Waiting period is also referred to as qualifying period and elimination period.

Q. What are riders and are there riders in ManipalCigna health insurance plans ?

A. Yes. Riders allow you to enjoy additional coverage with your health insurance plans. An extra premium of up to 30 percent of the basic health insurance plan premium is chargable for riders as per the IRDA guidelines.

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