ManipalCigna Health Insurance FAQs

Frequently asked questions

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

You can directly contact the insurer online or call on the insurer’s toll-free number 1800-102-4462 within 48 hours of emergency hospitalisation and three days before planned hospitalisation. You can also write an email to the insurer at

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

ManipalCigna Health Insurance company will send the network hospital a legally signed authorisation letter and inform them regarding the necessary paperwork required in case of cashless claims. You can get the authorisation after all the appropriate documents are submitted. The insurer will also 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.

How long does it generally take to process claims?

The health insurancecompany accepts or rejects a claim after five working days. If accepted, the claim will be settled within 7-10 days.

Does a cashless claim mean I do not have to pay anything at all?

Yes, except for the deductibles, if any. A cashless claim is advantageous since the insurance company handles the payment directly with the network hospital. There is no involvement of the policyholder in the payment process. Non-payable amounts will be deducted. The insured will be responsible for any inadmissible expenses, such as co-payments or deductions (if any).

What is the claim settlement ratio for ManipalCigna?

The yearly claim settlement ratio of ManipalCigna has been at 99.96%. Around 96% of the cashless approvals has been settled within 2 hours. The insurance company serves over 4 million policyholders every year.

How many network hospitals does ManipalCigna have pan India?

Manipal Group owns and operates around 27 patient-friendly hospitals with over 7,600 beds across 15 cities in India. There are over 4,000 doctors connected to the insurance company. Besides this, ManipalCigna has over 6,500 network hospitals across the country.

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