In today’s fast-paced world, health is the real wealth. Medical expenses are skyrocketing, and even a minor health issue can drain your savings. That’s where health insurance steps in—and ManipalCigna Health Insurance is a standout player in India’s insurance market.
Born from the collaboration between Manipal Group, a healthcare giant in India, and Cigna Corporation, a global health service company from the U.S., ManipalCigna blends global expertise with Indian insight. It’s not just another insurance company—it’s a healthcare partner you can trust.
With innovative plans, extensive coverage, and a lightning-fast claim process, ManipalCigna is reshaping the way India looks at health insurance. Whether you are young and single, have a growing family, or are planning your golden years—there’s a plan here tailored for you.
Company Background
ManipalCigna Health Insurance Company Limited was founded in 2014 as a joint venture between Manipal Group and Cigna Corporation. The partnership was born from a vision to deliver innovative, customer-centric health insurance solutions in India.
Timeline of Growth and Evolution
- 2014 – Operations begin with a clear focus on retail health insurance.
- 2017–2019 – Rapid expansion across India, with a growing network of hospitals.
- 2020 onwards – Introduced critical care and OPD-based plans to match evolving needs.
- 2023–2024 – Became known for claim approvals within 2 hours, elevating customer trust.
Key Milestones
- Over 6,500+ network hospitals
- Claim settlement ratio of over 96%
- Coverage up to ₹3 Crore
- Launched India’s first OPD+IPD plans with zero waiting periods
Mission and Vision
- Mission: To improve people’s well-being by making healthcare more accessible, affordable, and dependable.
- Vision: To become India’s most trusted and dynamic health insurer by providing personalised, value-driven health protection.
Why Choose ManipalCigna Health Insurance?
1. Global Expertise, Local Trust
With global best practices from Cigna and healthcare roots from Manipal, the company brings the best of both worlds. You get international-level service with Indian relevance.
2. Customisable Coverage
From OPD and maternity to wellness and critical illness—ManipalCigna lets you tailor your plan exactly how you want it. No paying for what you don’t need.
3. Speedy Claim Settlement
Nobody likes waiting when in pain. With an industry-best 2-hour cashless claim processing, they’ve made medical emergencies less stressful.
4. Affordable Premiums with High Coverage
Get coverage from ₹3 lakh to ₹3 crore at highly competitive premiums. Bonus? You can enjoy cumulative bonuses of up to 200%.
5. Massive Hospital Network
With more than 6,500 hospitals across India on their panel, you will almost always find a cashless hospital nearby.
6. Free Health Check-Ups & Wellness Perks
Annual health check-ups, online consultations, fitness rewards—plans are more than just financial coverage. They care about your actual health too.
7. Tax Benefits Under Section 80D
Premiums paid toward your ManipalCigna policy are eligible for tax deductions. Save your health, and save your taxes too.
8. Senior-Centric Plans
Older adults often struggle to find comprehensive health cover. ManipalCigna provides specially designed plans for senior citizens with lifelong renewability.
Different ManipalCigna Health Insurance Plans in Detail
- ManipalCigna ProHealth Prime Insurance Plan
Overview:
A complete health plan that covers hospitalisation, OPD, and chronic illnesses with a variety of add-ons.
Features & Benefits:
- No room rent capping
- Coverage from ₹3 lakh to ₹1 crore
- OPD and teleconsultation coverage
- 100% sum insured restoration benefit
- Optional Worldwide Emergency Cover
b) ManipalCigna ProHealth Insurance Plan
Overview:
A plan built for families and individuals with varying health needs, offering five flexible options.
Features & Benefits:
- In-built maternity cover (in higher variants)
- Cumulative bonus of up to 200%
- Coverage up to ₹1 crore
- Daily cash benefit during hospitalisation
- Free annual health check-ups
c) ManipalCigna LifeTime Health Insurance Plan
Overview:
An elite plan for high-net-worth individuals and global citizens seeking expansive health cover.
Features & Benefits:
- Coverage from ₹50 lakh to ₹3 crore
- Global inpatient cover
- Maternity and newborn cover
- AYUSH treatments included
- Unlimited restoration of sum insured
d) ManipalCigna ProHealth Select Insurance Plan
Overview:
Designed for budget-conscious individuals, this plan offers essential health cover with optional extras.
Features & Benefits:
- Coverage up to ₹25 lakh
- Daycare procedures and domiciliary treatments
- Health maintenance benefit
- Option to reduce waiting period
- Wellness rewards and fitness tracking
e) ManipalCigna Super Top Up Insurance Plan
Overview:
A backup plan for those who already have a basic health cover but want to boost their protection affordably.
Features & Benefits:
- Deductible-based high coverage (up to ₹30 lakh)
- Cashless hospitalisation in 6500+ hospitals
- No claim bonus benefit
- Entry age up to 65 years
- Maternity, daycare, and donor expenses covered
f) ManipalCigna Lifestyle Protection – Critical Care Plan
Overview:
Tailored for critical illnesses like cancer, heart disease, and major surgeries.
Features & Benefits:
- Lump sum payout on diagnosis
- Coverage for 15/30 critical illnesses
- Income benefit option available
- Optional second medical opinion
- No hospital bills needed for claims
g) ManipalCigna Lifestyle Protection – Accident Care Plan
Overview:
Provides financial support in case of accidental injuries, disability, or death.
Features & Benefits:
- Accidental death and disability cover
- Burns, fractures, and ambulance charges covered
- Child education benefit
- Weekly income benefit (optional)
- Worldwide coverage
h) ManipalCigna ProHealth Cash Plan
Overview:
A fixed daily benefit plan that pays cash for each day of hospitalisation.
Features & Benefits:
- Cash benefit from ₹500 to ₹5,000/day
- ICU and surgery multipliers
- Covers up to 60 days of hospitalisation
- Family floater options available
- Tax benefits under Sec 80D
i) ManipalCigna Health 360 Rider
Overview:
A powerful add-on rider that boosts your base plan with OPD, diagnostics, and pharmacy expenses.
Features & Benefits:
- Doctor consultations (online + offline)
- Pharmacy bills reimbursed
- Diagnostic test cover
- Wellness program access
- Available with select base plans
How to File a Claim with a ManipalCigna Health Insurance Plan?
Filing claims with ManipalCigna is simple and fast—thanks to their streamlined, digitised claim system.
Steps to File a Claim:
- Notify ManipalCigna at least 48 hours before planned hospitalisation or within 24 hours for emergencies.
- Submit the pre-authorisation form at the network hospital.
- Get verification and authorisation from the claim team.
- Treatment begins, and bills are settled directly (cashless).
- For reimbursement, submit all documents post-discharge.
- Claim processed in 7–10 working days.
Documents Required for ManipalCigna Health Insurance Claim
The documentation process varies slightly based on the type of claim (cashless or reimbursement), but here’s a general checklist.
List of Documents:
- Policyholder’s ID proof (Aadhaar, PAN, etc.)
- Policy copy and Health Card
- Hospital discharge summary
- Medical reports and prescriptions
- Final bill and payment receipts
- FIR report (in case of accident)
- NEFT form with bank details (for reimbursement)
How to Buy ManipalCigna Health Insurance Plans?
Buying a ManipalCigna plan is quick and can be done online in a few steps.
Steps to Buy a Plan:
- Visit the official ManipalCigna website or a trusted insurance aggregator.
- Enter basic details: age, number of members, coverage needed.
- Compare available plans and riders.
- Choose your plan and complete the proposal form.
- Upload documents and make payment online.
- Get instant policy issuance and download your e-policy.
How to Renew ManipalCigna Health Insurance Plans?
Renewing your ManipalCigna policy is easy and can be done online from the comfort of your home.
Steps to Renew:
- Visit the official website: www.manipalcigna.com
- Go to the “Renew Policy” section.
- Enter your policy number and registered mobile number.
- Review details and modify coverage or add riders if needed.
- Make the payment online.
- Download the renewed policy instantly.
Final Thoughts:
ManipalCigna Health Insurance is not just about financial security—it’s about empowering healthier lifestyles. With international pedigree, tailored plans, and tech-driven claims support, the company is at the forefront of modern Indian healthcare solutions.
Whether you are starting a family, running a business, nearing retirement, or looking to secure your employees, there’s a ManipalCigna plan built just for you. In a world where uncertainty looms, ManipalCigna stands out as a beacon of reliability, innovation, and trust.
