ManipalCigna Health Insurance: Overview

Buy ManipalCigna Health Insurance policies to safeguard your savings from medical emergencies. Get coverage for medical expenses up to Rs. 50 lakh along with cashless treatment facilities at 6,500+ hospitals.

ManipalCigna Health Insurance offers individual, family floater, group, and senior citizens health insurance plans on Bajaj Finance Insurance Mall with annual premiums starting at Rs. 5,250*. It offers benefits such as daycare treatments, pre- and post-hospitalisation, add-on covers, and more. ManipalCigna Health Insurance has an average claim settlement ratio of 96%.

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Key features of ManipalCigna Health Insurance

Here’s a quick look at the key features of ManipalCigna Health Insurance.



Premiums start at

Rs. 5,250*

Medical expenses coverage

Up to Rs. 50 lakh

Cashless treatment

6,500+ hospitals

Claim settlement ratio


Daycare and domiciliary treatment


Tax benefit


Ambulance coverage


Pre-and post-hospitalisation expenses


Key benefits of ManipalCigna Health Insurance

Here are a few key benefits offered in the ManipalCigna Health Insurance policies.

Covers daycare procedures

You get coverage for over 500 daycare procedures that require less than 24 hours of hospitalisation.

Covers domiciliary treatment

You get coverage for treatments taken at home if you cannot go to the hospital. You also get coverage in case no beds are available at the hospital.

Voluntary co-pay

You get an option to co-pay about 10-20% of the claim amount. This option helps you lower the policy premium.

100% sum restoration

You can restore 100% of the sum insured on the policy if exhausted in a policy year. You can use this benefit even if the cumulative bonus or cumulative bonus booster is insufficient to settle a claim.

Benefit of cumulative bonus booster

This benefit helps you to increase the sum insured by 25% every year. You can accumulate up to 200% bonus with the cumulative bonus booster.

Step-by-step guide to buy ManipalCigna Health Insurance plans

  • Step 1

    Step 1

    Click here to open our online application form.

  • Step 2

    Step 2

    Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.

  • Step 3

    Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

    Step 4

    From the list of policies shown, choose your preferred ManipalCigna health plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.

  • Step 5

    Step 5

    Based on the plan you choose, you may get the option to select the policy term and premium amount.

  • Step 6

    Step 6

    Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

  • Step 7

    Step 7

    Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

  • Step 8

    Step 8

    Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

  • Step 9

    Step 9

    Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

  • Step 10

    Step 10

    Make the payment through net banking, UPI, debit or credit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment process is completed.

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Step-by-step guide to buy Pocket Insurance plans

  • Step 1

    Step 1

    Choose your preferred plan by visiting our Pocket Insurance product list and clicking on the ‘Buy Now’ button.

  • Step 2

    Step 2

    Enter your full name and mobile number registered with us and press the ‘Submit’ button.

  • Step 3

    Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    Step 4

    If your mobile number matches our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options:
    UPI, net banking, or credit/debit cards.

  • Step 6

    Step 6

    After the payment is successful, you can download the policy receipt instantly.

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Know the ManipalCigna Health Insurance in detail

Here’s a quick detail of the ManipalCigna Health Insurance policies offered on Bajaj Finance Insurance Mall.

ManipalCigna ProHealth Group Insurance Policy

ManipalCigna ProHealth Group Insurance Policy is a health plan packed with smart features that offer extensive coverage. Get coverage for hospitalisation, pre-and post-hospitalisation expenses, daycare and domiciliary treatments. Benefit from voluntary co-pay and cumulative bonus booster options.

ManipalCigna Super Top-up Group Senior Citizens Plan

Inadequate insurance can throw your monthly expenses off gear, more so for senior citizens. ManipalCigna Super Top-up Group Senior Citizens plan acts as a backup health plan for you and your family by providing additional coverage. It enables you to deal better with unexpected medical emergencies.

Key inclusions and exclusions of ManipalCigna Health Insurance

Here are the key inclusions and exclusions of ManipalCigna Health Insurance policies.

ManipalCigna Health Insurance includes the following coverages:

In-patient hospitalisation expenses: Covers medical expenses incurred when hospitalised for more than 24 hours. Get coverage for room rent, ICU charges, nursing, and doctor’s fees. Also, covers oxygen, operation theatre, and other medical expenses.

AYUSH treatment: Covers traditional treatments like ayurveda, yoga, unani, siddha, and homoeopathy.

Pre-and post-hospitalisation expenses: Covers medical expenses incurred 60 days before and 90 days after hospitalisation.

Organ donor expenses: Covers in-patient hospitalisation cost of the organ donor.

Road ambulance cover: Covers ambulance charges up to Rs. 2,000 for every hospitalisation.

ManipalCigna Health Insurance does not cover the following things:

  • Does not cover dental treatments.
  • Does not cover treatments for illnesses arising from substance abuse, alcohol, or drugs.
  • Does not cover cosmetic surgeries, aesthetic, and re-shaping treatments.

Read the policy terms and conditions to know the entire list of exclusions.

Documents required to buy a policy

No documents required to buy ManipalCigna Health Insurance Policies on Bajaj Finance Insurance Mall. Just enter the following information to apply.

  • Date of birth of the applicant as per the PAN card
  • A valid 10-digit mobile number
  • Residential PIN code of the applicant

How to raise a cashless claim

Follow these steps to raise claim requests for cashless hospitalisation with ManipalCigna Health Insurance.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation

    • Toll-free: 1800-102-4462
    • E-mail at:

  • Step 2 - Locate a network hospital near you

    Step 2 - Locate a network hospital near you

    You can get cashless treatment at 6,500+ ManipalCigna Health Insurance network hospitals across India. Click here to locate a hospital near you.

  • Step 3 - Submit the pre-authorisation form

    Step 3 - Submit the pre-authorisation form

    Fill out and submit the pre-authorisation form available at the insurance desk of the hospital. Alternatively, you can download the form by visiting the insurer’s website and fill it beforehand.

  • Step 4 - Medical procedure starts

    Step 4 - Medical procedure starts

    After assessing your claim requirement, an initial approval will be given by the insurer to start with hospital procedures.

  • Step 5 - Claim settlement

    Step 5 - Claim settlement

    Once the final approval comes, the claim will be processed as per the terms and conditions of the policy


On approval: Following approval, the insurance provider will send the network hospital a legally signed authorisation letter. The hospital will be informed regarding the necessary paperwork. Furthermore, authorisation will be granted only after the appropriate documents have been received.

Formalities for discharge: The network hospital will submit to the insurance provider the final request for authorisation of any residual amount, the final hospital bill, and the discharge narrative. The patient will be discharged after the company's final authorisation letter is received. The claimant will be responsible for any inadmissible expenses, such as co-payments or deductions (if applicable).

A settlement with the hospital authority: The claim will be examined and paid directly by the insurer after the network hospital delivers the original claim document.

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How to raise a reimbursement claim

To reimburse your hospital and medical expenses, with ManipalCigna Health Insurance, follow these steps.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation
    • Toll-free: 1800-102-4462
    • E-mail at:

  • Step 2 - Settle all hospital bills

    Step 2 - Settle all hospital bills

    Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.

  • Step 3 - Submit necessary documents

    Step 3 - Submit necessary documents

    Submit the required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer within 15 days after getting discharged from the hospital.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    The insurer will analyse the admissibility of the claim after receiving all claim-related documentation, and process the same. The amount will be transferred to your registered bank account.

Documents required for raising a claim request

Here is the list of documents you need to raise a claim request with ManipalCigna Health Insurance.

  • Claim form (Part A and B). Part A to be filled by the insured and Part B is to be filled by the hospital
  • Valid ID proof (PAN, voter ID, passport)
  • Original discharge summary
  • Original hospital bills and payment receipts
  • All doctor consultation papers
  • FIR copy or post-mortem report in case of an accident or death

Contact ManipalCigna Health Insurance

For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:

  • Contact ManipalCigna at: 1800-102-4462, +91-22-4985-4100 (For callers calling from outside India)

Frequently asked questions

Whom should I call for claim settlement at ManipalCigna health insurance?

You can contact your ManipalCigna Health Advisor or the company directly by calling their toll-free helpline number 1800-419-1159 or writing to

What are daycare procedures?

Daycare procedure refers to any medical treatment and/or surgical procedure which are:
Undertaken under General or Local Anesthesia in a hospital/daycare centre in less than 24 hours because of technological advancement, and Which would have otherwise required hospitalisation of more than 24 hours. Treatment normally taken on an outpatient basis is not included in the scope of this definition.

Why should I consider buying ManipalCigna health insurance plans?

ManipalCigna health insurance plans offer the following benefits:
• Cashless claim settlement at 6,500+ network hospitals
• Pre-and post-hospitalisation expenses coverage
• Daycare procedures coverage
• Domiciliary, daycare, and AYUSH treatment coverage
• Options of add-on coverage for critical illness and more

How do I know if my claim at ManipalCigna health insurance has been authorised or not?

The insurance company will send the permission immediately to the hospital for cashless claims. The insurer will notify you on your registered email address and mobile number. For reimbursement claims, you will receive updates on the status of your claim through email and SMS, which is why it is important to keep your contact information up to date in the company's database.

Does a cashless claim mean I don't have to pay anything at all?

A cashless claim is advantageous since the insurance company handles the payment directly with the network hospital. The policyholder is not involved in the payment process. Non-payable amounts, on the other hand, will be deducted. The insured will be responsible for any inadmissible expenses, such as co-payments or deductions (if any).

What documents do I need to make a reimbursement claim?

You need to submit the claim form (part A filled by the insured and part B filled by the hospital). Along with the claim form, you need to submit a valid identity proof, original discharge summary, and hospital bills. Also, payment receipts, and all doctor consultation papers. You may have to submit an FIR copy or post-mortem report in case of an accident or death.

Does ManipalCigna Health Insurance offer a free pre-policy medical check-up?

ManipalCigna Health Insurance offers a free health check-up in its policies. However, depending on the age group you may need to take medical tests before buying the policy. Check with the insurer when buying the policy.

Is ManipalCigna a private or a government entity?

ManipalCigna Health Insurance Company Limited is a collaboration between two renowned organisations - Manipal Group, a distinguished name in the field of healthcare delivery and higher education in India, and Cigna Corporation, a worldwide health services enterprise. It is not a government-owned entity.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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