Looking to Get Insured?

+91 965-367-9024

ManipalCigna Health Insurance

ManipalCigna Health Insurance is a joint venture between Manipal Group and Cigna Corporation. The company deals with various kinds of insurance products ranging from health insurance, accidental insurance, travel insurance, and employer-employee insurance services and products. The company has an expansive network of over 6500+ hospitals and has a claim settlement ratio of 89.50%

ManipalCigna has also earned numerous awards and recognitions “Best Health Insurance Company of the Year and Economic Times Best Promising Brand 2015” to name a few.

In this article, we will discuss the following:

  • Health insurance plans offered by ManipalCigna
  • Why choose ManipalCigna Health Insurance?
  • How to buy a ManipalCigna Health Insurance Plan?
  • ManipalCigna Health Insurance claim process
  • ManipalCigna Health Insurance renewal
  • ManipalCigna Health insurance claim status

Company specifications

Network Hospitals6500+
Claim settlement Ratio0.91
Policy Renewabilitylifetime
Waiting period for pre-existing conditions4 years

ManipalCigna Health Insurance Plans

Plan NameAbout The Plan
ManipalCigna ProHealth PlanThis plan offers comprehensive coverage covering medical expenses and guaranteed reinstatement of 100% sum insured for any unrelated illnesses unlimited number of times.
ManipalCigna LifeTime PlanIt is a high sum insured plan that provides you enough coverage to meet all your healthcare-related requirements. It is available in two variants India and Global Plan.
ManipalCigna ProHealth Select PlanThis health plan comes with a unique reassurance benefit, which offers an automatic extension of policy for two years without paying any premium, in case of a critical illness or any disablement due to an accident.
ManipalCigna Super Top Up PlanThis is a top-up health plan that will come into action when the policyholder exhausts the sum insured of his/her initial health policy. It is available in two variants Super Top Up Plus and Super Top Up Select Plan.
ManipalCigna Arogya Sanjeevani PolicyThis is a standard health policy that covers medical expenses from Rs 50,000 to Rs 10 Lakh at an affordable premium.
ManipalCigna Corona Kavach PolicyThis plan is designed to cover the hospitalization expenses incurred during the treatment of COVID-19 only.
ManipalCigna Corona Rakshak PolicyThis is a cash benefit plan in which the insured will be paid a lump sum payout when diagnosed with COVID-19.
ManipalCigna Lifestyle Protection – Accident CareThis plan is curated to provide financial assistance in case of an accident. Under this plan, the company will pay a lump sum payout in case of accidental death or disablement due to an accident. It is available in under 3 variants- Basic, Enhanced, and Comprehensive Plan.
ManipalCigna Saral Suraksha BimaThis plan is designed to provide lumpsum benefits to the family members in case of accidental death of the insured individual.
ManipalCigna Lifestyle Protection -Critical CareThis plan covers against listed critical illnesses and conditions.
It is available in two variants Basic and Enhanced Plan.
ManipalCigna ProHealth Cash PlanThis is a cash benefit plan, which offers a daily cash allowance during hospitalization stay. It assists you in covering miscellaneous expenses such as attendant fees, travel costs, and so on.
ManipalCigna ProHealth Group PlanThis health plan is designed to cover essential healthcare needs and requirements of individuals working together in a company or any organization.
ManipalCigna Global Health Group Plan True to its name, this plan offers medical coverage to the insured group members anywhere in the world.
ManipalCigna Lifestyle protection Group PolicyThis plan is a combination of two covers, personal accident cover, and critical illness cover. It protects the insured group against listed major life-threatening illnesses and accidents.
ManipalCigna Group Overseas Travel Insurance PolicyThis plan offers complete coverage against medical emergencies and health related expenses while travelling abroad. It is an ideal plan for corporate groups and associates who frequently travel overseas.
ManipalCigna FlexiCare Group Insurance Policy.This plan is named FlexiCare because it gives the option to customize the health plan according to the requirements of the group members. It protects against illnesses, accidents, and various other risks.

Why choose ManipalCigna Health Insurance?

Network hospitals

ManipalCigna has a wide range of 6,500+ network hospitals all across the nation, enabling you to experience the best medical treatments without worrying to pay the hospital bill from your pocket.

Claim settlement ratio

The company has a good track record when it comes to settling claims. It has an ideal claim settlement ratio of 91%.

Worldwide coverage

Multiple plans offered by the company provide healthcare coverage not only in India but all around the globe.

Automatic sum restoration

Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

Cumulative bonus

Multiple health plans offered by ManipalCigna come with the advantage of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.

How to buy a ManipalCigna Health Insurance Plan?

You can easily buy a health plan with us on

Step 1: Simply furnish us with your name, email, and mobile number.

Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

ManipalCigna Health Insurance claim process

Cashless claim

You can file for cashless claim if you are admitted to a network hospital of the company.
Follow the simple steps laid down by us to file for the cashless claim.

Step 1- Inform the company 3 days in advance in case of a planned hospitalization or within 2 days in case of emergency hospitalization. You can inform the company on their toll-free number 1800-102-4462.

Step 2- Visit the insurance/TPA desk at the hospital and show them your ManipalCigna Health Card and photo ID.

Step 3- Dully fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital.

Step 4- The company will verify your claim request along with the terms and benefits of your policy.

Step 5- After investigation, the company will approve your claim and directly settle the bill with the hospital.

Note: In case of claim rejection, the company will state the reason for the same in writing.

Reimbursement claim

You will have to file for a reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim is not accepted.
In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then can file for a refund from the company.

Step 1- Inform the company 3 days in advance in case of a planned hospitalization and within 2 days in case of emergency hospitalization.
You can inform the company by calling on their toll-free number 1800-102-4462.

Step 2- After discharge, collect all supporting documents and submit them to the insurance company to initiate the refund.

Step 3 – The company will verify the claim request with the terms and conditions of your policy.

Step 4- Upon verification, the company will approve your claim, and directly settle your bill with the hospital, before your discharge.

Documents required to file a claim

  • Original discharge summary
  • Duly filled and signed pre-request form
  • Original bills, receipts, prescriptions
  • Original reports, scans, MRI, CT Scan, other reports
  • FIR (if applicable)
  • Photo ID

ManipalCigna Health Insurance renewal

It is imperative to renew your health insurance policy on time to avail of its continuous benefits.
Follow these simple steps on how you can renew your ManipalCigna Health insurance plan online.

Online renewal

Step 1- Go to the official website of the insurer i.e

Step 2- Click on the “Renewal’’ tab given above.

Step 3- Click on the “Group or “Retail customer” option depending on your policy type.

Step 4 – Enter your existing policy number and click on proceed.

Step 5- Verify the policy details and the premium amount. Cross-check the other information like a cumulative bonus (if any) before paying the premium and make the payment.

Step 6- Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.

Offline renewal

You can directly visit the nearest branch of ManipalCigna Health Insurance and state your policy renewal request. You can also connect with the insurer’s customer care on Toll-free number – 18001024465 and state your request for the same.


ManipalCigna Health Insurance claim status


follow these simple steps to track your policy claim status.

Step 1- Go to the official website of the company.

Step 2- Click on the “ Claims ” option.

Step 3- Enter the requested details such as existing policy number and date of birth, then click on submit.

Step 4- You can check your claim status.


You can also inquire about your claim status by calling on the customer team Toll-Free number 1800-102-4462 or writing them at

ManipalCigna Health Insurance coverage


Below provided are a few general inclusions in ManipalCigna Health Insurance Plans. These inclusions may vary from policy to policy.

  • Hospitalization expenses
  • Daycare procedures
  • Organ donor expenses
  • Ambulance services
  • Modern treatments
  • Inpatient Ayush treatment
  • Health check-up


Below provided are a few general exclusions in ManicipalCigna Health Insurance Plans. These exclusions may vary from policy to policy.

  • Plastic and cosmetic surgery
  • Self-inflicted injury
  • Injury from war or invasion
  • Supplementary vitamins and tonics.
  • Gender change procedures
  • Experimental treatments
  • Any illness due to the use of intoxicating substances
  • Weight control and obesity treatments
  • Unproven treatments

Experience the power of Artificial Intelligence (A.I)

Chat with our super-intelligent A.I model and ask it anything about insurance and related products.