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Manipal Cigna Health Insurance

ManipalCigna Health Insurance Company Limited is a stand-alone health insurance company that was founded through a joint venture between Manipal Group and Cigna Corporation. The company offers a whole package of health insurance policies that cover total medical expenses and give health coverage to individuals, families, and employer-employee groups through a wide range of comprehensive healthcare plans.


  • ManipalCigna ProHealth Group Insurance Policy (a group scheme for the senior citizen customers of Bajaj Finance Ltd.)

    Inadequate insurance can throw your monthly expenses off gear, more so for senior citizens. With ManipalCigna ProHealth Group Insurance Policy, secure your life and get coverage for hospitalisation, daily expenses, and day-care treatments. Domiciliary, road ambulance, and pre-and post-hospitalisation expenses are covered as well.

  • ManipalCigna Super Top-up Retail

    ManipalCigna Super Top-up Retail Plan offers an additional protection that helps you enhance your existing health plan and get adequate health coverage at affordable premium. With this plan, get choice of any room in the hospital during hospitalization, and an add-on cover that gives an additional lump sum amount equal to the base sum insured opted on diagnosis of listed critical illnesses.

  • ManipalCigna Super Top-up Group

    ManipalCigna Super Top-up Group is a health plan packed with smart features that offer extra protection over and above your existing health insurance policy. It acts as backup health plan for you and your family by providing additional coverage and enabling you to deal better with the unexpected medical emergencies.

  • ManipalCigna ProHealth Insurance Policy Retail

    ManipalCigna ProHealth Insurance Policy Retail helps to reduce your renewal premium up to 20% with healthy rewards points. It provides global protection in case of emergency, available on reimbursement basis.

Product Table

Here’s a quick glance at the health plans offered by Bajaj Finance:

Insurance Company Health Insurance Plans Sum Insured (Rs.) Network Hospitals
Manipal Cigna ProHealth Insurance (Retail) Rs. 2.5 lakh to Rs. 1 crore 6500+
Manipal Cigna ProHealth Group Insurance Policy
(A Group Scheme for the customers of Bajaj Finance Pvt. Ltd.)
Rs. 15 lakh to Rs. 30 lakh 6500 +
Manipal Cigna Super Top-up Retail Rs. 3 lakh to Rs. 30 lakh 6500+
Manipal Cigna Super Top-up Group Rs. 5 Lakhs 6500+

Key Features of ManipalCigna Health Insurance

The key features of ManipalCigna Health Insurance plans are:

Large network of hospitals

ManipalCigna has a network of over 6,500 hospitals across India that provides you with hassle-free cashless care, ensuring you focus on your health without worrying about availability of immediate funds.

Claim support

The group has a claim support rating of 99.96 (claims settled within 3 months).

Solvency ratio

The solvency ratio is important in determining the company's capacity to meet its long-term financial obligations. Every insurer must now maintain a healthy solvency ratio of 1.5, according to the Insurance Regulatory and Development Authority of India (IRDAI). Manipal Cigna has a solvency ratio of 1.82, according to the IRDAI Report 2019-2020.

Benefits of ManipalCigna Health Insurance

Here are the benefits offered by the group:

In-patient hospitalisation expenses cover

Get coverage for room charges, ICU expenses, nursing charges, doctor & surgeon fees, blood transfusion, oxygen, operation theatre charges and other medical expenses incurred during hospitalisation of more than 24 hours.


Medical expenses incurred before the date of hospitalisation (for a pre decided time period) will be reimbursed.


The policy also covers you after discharge from the hospital, during your recovery stage. Medical expenses incurred after you are discharged (for a pre decided time period) will be covered under the policy.

Daycare treatment

Medical expenses for treatments that need less than 24 hours of hospitalisation are covered under the policy.

Road ambulance cover

The group offers coverage for expenses towards hospital transportation by registered ambulance services for the treatment of illness or injury during an emergency. The coverage is provided up to Rs. 2,000 per hospitalisation.

Domiciliary treatment

You can get coverage for prescribed home care expenses, as the patient's condition did not allow hospital transfer or in case of unavailability of a hospital bed for the required treatment.

In-patient hospitalisation for AYUSH treatment

Get coverage for in-patient medical expenses for non-allopathic treatments such as Ayurveda, Unani, Sidha, Homeopathy, Yoga and Naturopathy arising from accident or illness.

Tax benefits

The health insurance plans offered by the group give tax exemptions under section 80D of the Income Tax Act, 1961.

Why should I buy ManipalCigna Health Insurance

ManipalCigna Health Insurance provides you with unique benefits, making it one of the most popular insurance providers. Here are some of the benefits:

  • A wide choice of health insurance that protects your savings from being depleted in a medical emergency and provides them with a secure future
  • A host of wellness services to maintain track of your health, allowing you to stay healthy or return to health if they become physically or mentally ill
  • ManipalCigna's group health insurance policy was the first to provide worldwide health insurance coverage to employees of firms who frequently travel abroad for business
  • ProActiv Living is the company's main service that assists you in dealing with health-related issues and living a healthy lifestyle

How to buy ManipalCigna Health Insurance

Just follow the below steps and buy the most suitable medical insurance plan offered by the group:

1. Visit our website
2. Choose a plan and click on ‘Apply Now’
3. Fill-in your basic details on the application form
4. Make your payment online through any of the preferred modes
5. Submit the application

How to process a claim

Here’s how you can process the claim with the insurer:

Cashless process

Cashless claims are only available if the insured seeks treatment at a network hospital and the treatment is covered by the policy.

• Intimate the insurer-

In case of a planned hospitalisation, contact the insurer three days before hospitalisation. Furthermore, customer service representatives will assist you with the processes that follow. In the event of an emergency, you should call your insurer within 48 hours of admission.

• Identification-

To use your insurance policy, you will need to show your ManipalCigna health card as well as a valid photo ID at a network hospital. The hospital will then request authorisation for cashless hospitalisation from the company.

• Pre-authorisation request process:

The network hospital will send the insurance company a pre-authorisation request form detailing your medical history, treatment options, and expected treatment costs.

• 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.

Reimbursement process


Obtain hospital treatment:

The policyholder is responsible for all hospitalisation costs. The original hospital bills, receipts, discharge summary, investigation reports, pharmaceutical bills, and other papers should be collected at the time of release since they will help with the claim process.

Submit the claim documents:

Go to ManipalCigna's website and download the claim form. You can also contact your ManipalCigna Health Advisor and then submit your claim documentation to a branch or office of the insurance company. Within 15 days following discharge, the paperwork must be submitted.

Claim assessment:

ManipalCigna will analyse the admissibility of the claim after receiving all claim-related documentation, and only then will the claim be processed. If more information or documents are required, the insurance company will contact you. Your claim will only be processed once all the essential documents have been received.

Updates and assistance from a claims service associate:

If you request this service, a claims service associate will assist you with the paperwork and forms.

Claim settlement:

Upon approval of the claim, the insurance company will pay the policyholder solely by Electronic Funds Transfer (EFT).


• Cosmetic treatment
• Treatment received outside India
• Intentional self-injury
• Suicide or attempted to suicide
• Drug abuse

Frequently Asked Questions (FAQs) for ManipalCigna Health Insurance

Whom should I call for claim settlement at ManipalCigna Health Insurance?

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

How do I know if my claim at ManipalCigna Health Insurance has been authorised or not?

For cashless claims, the insurance company will send the permission immediately to the hospital. The insurer will notify the same 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?

A claim is accepted or rejected by the insurance company after five working days. If accepted, the claim will be settled within 30 days.

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

A cashless claim is advantageous since the payment is handled by the insurance company with the network hospital directly. 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).

Is Manipal Cigna and Cigna the same company?

ManipalCigna Health Insurance Company Limited is a collaboration of the US-based health service provider Cigna Corporation and Indian company Manipal Group. This joint venture is aimed at providing innovative health insurance plans to Indian customers. They have flexible premium payments, cashless facilities, and wide network of hospitals to ensure customers can access the best treatment during medical emergencies.

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