Manipal Cigna Reviews, Ratings, Best Plans and USPs

Manipal Cigna Insurance

ManipalCigna is one of the leading insurance companies in India. It is a standalone health insurance company that was established as a joint venture between the Cigna Corporation and the Manipal Group. The company was formally founded in November 2011.
According to the official reports, the Cigna Corporation owns a stake of 49% and the Manipal Group has a stake of 51% in the organization. This is as per the regulations set by Indian laws. ManipalCigna also received its IRDA approval in November 2013. The operations were officially started in February 2014.
Customers from all across India can find a range of insurance policies provided by ManipalCigna. These policies range from individual insurance plans to group mediclaims and overseas travel cover. ManipalCigna has always been prepared to meet the diverse needs of its customers.
In the financial year of 2017, ManipalCigna claimed to be optimistic in regards to around INR 400 crore as premium. The total premium of the organization also stood as INR 144 crore in the fiscal year of 2015 – 2016. The claim ratio for the financial year 2017 – 2018 has been calculated at 46.29%.

    Prepare today for a relaxed and secure future.

    Check out the best health insurance plans here:

    Policy Type

    IndividualFloater

    Benefits of Choosing the Brand

    Every year thousands of customers purchase insurance plans from ManipalCigna. This is mainly because this organization provides a number of benefits to its customers. Let’s look at what those benefits are now.

    • Excellent Claim Settlement Ratio: ManipalCigna can boost an impressive claim settlement ratio of 85.72% in the financial year of 2019 - 2020. This means that the organization settled 85.72% of the claims that it received in the above-mentioned financial year
    • Amazing Customer Support: When it comes to caring for their customers, ManipalCigna leaves no stone unturned. They have an amazing team of customer support representatives who work 24x7 to resolve the doubts of their customers
    • Access to Wellness Programs for a Healthier Life: ManipalCigna offers a number of wellness programs and services to its customers so that they can live a better quality of life
    • Global Emergency Cover: ManipalCigna understands that tragedy can strike anywhere and at any time. This is why they provide a worldwide emergency cover to their customers to cover all medical costs that one might sustain because of an illness or injury incurred anywhere in the world
    • Recipient of Several Awards: ManipalCigna was bestowed the honor of being the ‘The Best Health Insurance Company of the Year’ in 2019 at the India Insurance Summit Awards. This has solidified the trust of millions of customers in the company
    • Guaranteed Annual Bonus: This bonus provides a chance to every policyholder of ManipalCigna to increase their sum insured value up to 25% during every year. This increase can be experienced up to a total of 200% with the majority of the plans
    • Several Restoration: This feature refers to the facility where 100% of the sum insured value is restored every time the health coverage falls insufficient or gets exhausted due to several health insurance claims. This benefit is provided with the majority of plans offered by the company
    • Lifetime Renewability Advantage: One can renew policies for their entire lifetime and stay associated with a plan for as long as he or she wants to without any trouble. ManipalCigna also provides uninterrupted medical coverage to all its customers
    • Quick Portability Feature: If a customer wants to port his or her existing health insurance policies, then he or she can easily do that with the help of ManipalCigna. This can be done without losing any existing benefits of their policies

    Types of Policies Offered

    In this section, we will go through all the major policies provided by ManipalCigna to its customers.

    Health Insurance Policies

    ManipalCigna ProHealth Protection Plan

    The ManipalCigna ProHealth Protection plan provides monetary support to the policyholder in case of hospitalization. The plan is designed in a manner to provide comprehensive support with OPD benefits to the policyholder.

    In this policy, one can get several benefits like additional non-reducing cumulative bonus, total protection through ProActive Living and Protective Healing, and reduction of renewal premium up to 100%, in-patient hospitalization. Other benefits provided in this policy are pre-hospitalization charges up to 60 days, and post-hospitalization charges up to 90 days.

    Under this plan, policyholders can also get coverage for daycare procedures, domiciliary treatment expenses, medical expenses of organ donors, and sum insured restoration. Policyholders can also get reimbursement of INR 500 annually for charges like diagnostic tests, pharmacy expenses, and non-allopathic treatments. Other details of the policy are mentioned below.

    Factor

    Minimum Limit

    Maximum Limit

    Age

    18 years for adults and 90 days for children

    No maximum entry age

    Sum Assured

    INR 2.5 lakhs

    INR 10 lakh

    Cover Type

    Individual

    Family floater

    Policy Tenure

    1 year

    3 years

    Grace Period

    30 days

    -

    Riders

    Critical illness

    -

    Free Look Period

    15 days

    -

    ManipalCigna ProHealth Plus Plan

    The ManipalCigna ProHealth Plus Plan provides the right kind of financial support in case of any medical emergency and requirement to the policyholder. Some benefits associated with this policy are room rent benefit, treatment expenses, medicines, and diagnostic test cost coverage.

    ManipalCigna also provides a discount of around 30% on this policy. It comes with features like Protective Healing, ProActive living, health rewards of up to 10%, and additional coverage for maternity expenses and smart restoration.

    Pre-hospitalization charges up to 60 days and post-hospitalization charges up to 120 days are covered in this policy. Beyond this, one can also get advantages like daycare procedures, domiciliary treatment expenses, medical expenses for an organ transplant, global medical coverage, annual reimbursement of INR 2,000 for other expenses, and INR 15,000 coverage for normal delivery. In the case of a C-section, one can get INR 25,00 as expenses related to maternity. Other details of the policy are mentioned below.

    Factors

    Minimum Limit

    Maximum Limit

    Age

    In the case of adults, 18 years and in case of children, 91 days

    No maximum limit

    Cover Type

    Individual

    Family floater

    Sum Assured

    INR 4.5 lakh

    INR 10 lakh

    Grace Period

    30 days

    -

    Policy Tenure

    1 year

    3 years

    Riders

    Critical illness

    -

    Free Look Period

    15 days

    -

    ManipalCigna Pro Health Insurance

    The ManipalCigna Pro Health Insurance is an excellent plan that does not just provide hospitalization benefits but also comes with other robust advantages. The sum insured value in the comprehensive plan can range up to INR 50 lakh.

    One can also get a worldwide emergency cover up to the sum insured value in this plan. The plan comes with other features like smart restoration, maternity expenses covered up to a limit, no claim bonus of 10% on every claim-free year, OPD cover with health maintenance benefit, Protective Healing, ProActive Living feature, and discount on premium up to 10% by using healthy rewards.

    One can get a pre-hospitalization cover up to 60 days, post-hospitalization cover up to 180 days, and daycare charges covered. Domiciliary treatment is also covered in this plan along with medical expenses for an organ transplant. Further, maternity charges up to INR 1,00,000 are also provided under this plan. You can go through the other details of the plan by referring to the table below.

    Factors

    Minimum Limit

    Maximum Limit

    Entry Age

    For adults, 18 years and for children, 91 days

    No maximum entry age

    Cover Type

    Individual

    Family floater

    Sum Assured

    INR 15 lakh

    INR 50 lakh

    Policy Tenure

    1 year

    3 years

    Riders

    Critical illness

    -

    Grace Period

    30 days

    -

    Free Look Period

    15 days

    -

    ManipalCigna Pro Health Premier Plan

    The ManipalCigna Pro Health Premier Plan is a unique plan that has been framed to take care of the financial needs of an individual in case of a medical emergency. The sum insured amount in this policy is INR 100 lakh. This comprehensive plan is ideal for both individuals and families.

    This plan provides worldwide coverage with a renewal premium discount of up to 10% by using healthy rewards. The plan comes with health maintenance benefits and covers expenses for maternity care.

    Policyholders can also avail of other benefits, including in-patient hospitalization coverage, pre-hospitalization, daycare procedures, domiciliary treatment charges, medical charges for an organ transplant, and annual reimbursement of INR 15,000 for diagnostic charges. A maternity cover of up to INR 1,00,000 is also provided with this policy. Other details of the policy are given in the table below.

    Factors

    Minimum Limit

    Maximum Limit

    Entry Age

    For children, 91 days and for adults, 18 years

    No maximum entry age

    Sum Assured

    INR 100 lakh

    INR 100 lakh

    Cover type

    Individual

    Family floater

    Riders

    Not Applicable

    -

    Free Look Period

    15 days

    -

    Grace Period

    30 days

    -

    Policy Tenure

    1 year

    3 years

    Critical Illness Plans

    ManipalCigna Lifestyle Protection Plan

    The ManipalCigna Lifestyle Protection Plan was mainly designed to provide financial support to policyholders whenever they might need critical care. One is entitled to a lump sum benefit in this plan and can also get access to more than 10,00,000 high-quality hospitals situated all across the globe.

    This critical illness plan covers all the 30 major critical illnesses and their treatment plans. One can also get the benefit of a second medical opinion with this policy. The ManipalCigna Lifestyle Protection Plan is also available in two variants. The first is the basic cover that provides coverage against 15 critical illnesses and the second is the enhanced cover that provides protection against 30 critical illnesses.

    This plan comes with excellent and personalized online wellness programs that all policyholders can use. There are flexible payout options for all customers. And on top of this, one can also get several discounts on the premium value.

    On the first diagnosis of the covered critical illness, a lump sum value will be provided to the insured person after the customary waiting period. One can also get a staggering payout where the payout value will be 25% of the sum insured and a lump sum balance of 75% with an additional 10% paid in 60 equated monthly installments beginning from the next month.

    The customized wellness programs provided under this policy are health risk assessment, nutrition programs, lifestyle management programs, and access to health articles published on the organization’s website. Other details of the policy are mentioned in the table below.

    Factors

    Minimum Limit

    Maximum Limit

    Entry Age

    18 years

    65 years

    Cover Type

    Individual

    Family floater

    Total Sum Assured

    10 times the annual income

    INR 3 crore

    Policy Tenure

    1 year

    3 years

    Grace Period

    30 days

    -

    Riders

    Not Applicable

    -

    Free Look Period

    15 days

    -

    Plan Type

    Offline

    -

    Personal Accident Plans

    Manipal Cigna Lifestyle Protection

    Tragedy can strike from any direction. This is why the ManipalCigna Lifestyle Protection plan provides financial security to policyholders against any contingencies that might arise out of an accident. The plan also covers any accidental disablement, loss of job, and death.

    There are three variants of this plan that are provided to all customers. These variants include Plan A which is a basic cover, Plan B which is the enhanced cover, and Plan C which is the comprehensive cover.

    In this plan, policyholders get complete accident cover, flexible sum insured options, longer policy term, multiple choice in terms of optional cover, quick claim settlement, and long-term loyalty discount. There is also a discount on family floater options.

    The permanent total disablement cover is provided for Plan B and Plan C. Permanent partial disablement is paid according to a specific percentage of the sum insured and this benefit is only valid for Plan C. In case of accidental death of the parent, the orphan benefit is also applicable. The amount, in that case, is equal to the sum insured opted towards the dependent child. This benefit is provided in Plan C.

    In case of permanent total or partial disablement, the policyholder will be provided an amount equal to the monthly income for 3 months. The loss of employment benefit is only valid for Plan C. Funeral expenses are also covered along with an education fund benefit for two dependent children up to 25 years of age. These benefits are provided for Plan B and Plan C.

    Temporary total disablement cover is also provided as an optional clever. Accidental burns are covered with a fixed percentage of the sum insured. It can be chosen as an add-on cover. Similarly, broken bones cover is also available as an add-on cover. Other details of the policy are mentioned in the table below.

    Factors

    Minimum Limit

    Maximum Limit

    Entry Age

    For adults, 18 years and for children, 5 years

    For adults, 80 years and for children 25 years

    Accidental Death Sum Assured

    INR 50,000

    INR 10 crore

    Cover Type

    Individual

    Family floater

    Policy Tenure

    6 months

    3 years

    Grace Period

    30 days

    -

    Riders

    Temporary total disablement, accidental burns, broken bones, and coma benefits

     

    Free Look Period

    30 days

    -

    Plan Type

    Offline

     

    Best Policies of Brand

    There are some policies that stand out from the large number of policies that ManipalCigna offers. Let’s look at what those excellent policies are in this section.

    ManipalCigna ProHealth Insurance

    The ManipalCigna ProHealth insurance policy provides the necessary coverage to both individuals and families. The minimum entry age of this policy is 18 years. There is no maximum entry age limit. This means that anybody can get this policy and the sum insured value can also range from INR 2.5 lakh to INR 1 crore.

    The policy covers several benefits like post-hospitalization, pre-hospitalization, and in-patient hospitalization. Other benefits provided in this policy include newborn baby expenses, maternity expenses, daycare procedures, global emergency cover, and restoration of the sum insured.

    ManipalCigna Super Top Up Plus Plan

    The ManipalCigna Super Top Up Plus plan is a health insurance policy that is designed to make sure that policyholders always have adequate health coverage. This top up plan can enhance the existing health insurance policy for individuals, groups, or family floater insurance at a very affordable premium.

    Individuals over the age of 18 years can purchase this plan and the sum insured value can range from INR 3 lakh to INR 30 lakh. There are some deductibles associated with this plan and that value can range from INR 3 lakh to INR 10 lakh. Benefits covered under this plan include cumulative bonus, donor expenses, ambulance cover, post-hospitalization, pre-hospitalization, in-patient hospitalization, and non-medical expenses cover.

    ManipalCigna Lifestyle Protection Critical Care Plan

    The ManipalCigna Lifestyle Protection Critical Care health insurance policy provides coverage to policyholders in case of medical treatment for critical illnesses specified in the insurance policy. This policy can be opted by individuals between the ages of 18 years and 65 years.

    This policy comes with lifetime renewability and is divided into two plans. The first is the basic plan that covers 15 critical illnesses and the second is the Enhanced plan that covers 30 critical illnesses. The sum insured value can be between INR 1 lakh and INR 3 crore.



    Brand Review & Ratings

    The main goal of ManipalCigna is to make sure that their customers are able to lead a healthy life with good peace of mind. This is why they provide a wide range of solutions in terms of insurance policies to their customers.

    ManipalCigna has a wide network of hospitals and necessary professional services under their network so that their customers can get added benefits. The latest incurred claims ratio, which is also known as ICR, for the financial year 2018 - 2019 has been 62%.

    On top of all this, ManipalCigna has won several awards, including ‘The Economic Times Best Promising Brands 2015.’ They have also partnered up with Airtel Delhi Half Marathon (ADHM) and Standard Chartered Mumbai Marathon (SCMM). Customers also have a lot of positive things to say about this company. You can go through some of those reviews mentioned below.

    The Best Health Plans (5 stars / 5 stars) by Nairit Agarwal

    ManipalCigna offers some of the best health insurance policies that I have ever come across. There is also a feature of ‘best plans for you’ on their website that I found really useful. I have already paid my premium.

    Efficient Services (5 stars / 5 stars) by Prakriti Jain

    I really like ManipalCigna insurance services. They always provide me with efficient solutions to all my problems. I have renewed my policy for the fourth time this year.

    Easily Comprehensible Guidelines (5 stars / 5 stars) by Ria Acharya

    The policy guidelines mentioned by ManipalCigna are very easy to understand. The language is simple and all the instructions are thorough. I have been able to make the best decision for me and my family because of that.

    Manipal Cigna Insurance FAQs

    1. Can you mention the documents that I need for getting a reimbursement of the claim?

    The documents that are required for the reimbursement of claims are:
    A duly signed claim form
    Copy of photo ID of the patient
    Summary of hospital discharge
    Noted of operation theatre
    Main hospital ball
    Hospital break up bill
    Investigation reports, like MRI, CT scans, X rays, and ECG
    Doctors reference slip
    Pharmacy bills
    Post mortem, if applicable
    FIR or MLC report

    2. Who should I contact for the intimation and settlement of my ManipalCigna claim?

    Policyholders can notify the ManipalCigna customer support or provide in writing for a claim intimation and settlement.

    3. What details will I have to provide during the intimation of the claim?

    At the time of intimation of claim, you will have to mention the policy number, name of the policyholder, name of the insured person, nature of injury or illness, date of admission, name, and address of the attending medical hospital, and practitioner, and any other kind of information requested at the time.