Manipal Cigna 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.
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 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 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 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.
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+|
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.
The group has a claim support rating of 99.96 (claims settled within 3 months).
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.
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.
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.
The health insurance plans offered by the group give tax exemptions under section 80D of the Income Tax Act, 1961.
ManipalCigna Health Insurance provides you with unique benefits, making it one of the most popular insurance providers. Here are some of the benefits:
Just follow the below steps and buy the most suitable medical insurance plan offered by the group:1. Visit our website www.bajajfinserv.in
Here’s how you can process the claim with the insurer:
Cashless claims are only available if the insured seeks treatment at a network hospital and the treatment is covered by the policy.
• Cosmetic treatment
• Treatment received outside India
• Intentional self-injury
• Suicide or attempted to suicide
• Drug abuse
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 email@example.com.
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.
A claim is accepted or rejected by the insurance company after five working days. If accepted, the claim will be settled within 30 days.
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).