Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

ManipalCigna Health Insurance

299 reviews Rate This
ManipalCigna Health Insurance
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month
Starting Premium for Rs. 5 lakhs SIRs. 566/month
Starting Premium of Rs. 5 lakhs SIRs. 566/month

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

ManipalCigna Health Insurance Plan List

See More Plans

About ManipalCigna Health Insurance

ManipalCigna Health Insurance is a standalone health insurance company and a leading name in the insurance industry. The company is a joint venture between the Manipal Group and Cigna Corporation. It is indulged in delivering a range of insurance solutions comprising individual insurance, family floater, critical illness, personal accident, group mediclaims, top-up, cash policy, and overseas travel cover to meet diverse medical needs.

With the adoption of technological advancement and changing health requirements of people, the insurance provider modifies its products and services. The insurer is committed to delivering health, wellness and peace of mind to its customers by providing easy access to quality healthcare without experiencing any financial crisis.

ManipalCigna Health Insurance Premium Calculation

When it comes to the selection of health insurance policies, you should be aware of the factors that affect the premium amount of plans. The information on such factors can help you choose the most relevant and economical health insurance policy. Following are the factors that can affect the premium calculation of ManipalCigna Health Insurance:

  • Body Mass Index (BMI) - Policyholders with higher Body Mass Index (BMI) have to pay a higher amount of health insurance premium than the ones with normal BMI. This is because the former can easily fall prey to different illnesses such as cardiovascular diseases, diabetes, etc.
  • Age - The age of a policyholder can influence the amount of premium of his/her health insurance plan. People with low age are less vulnerable to any disease than persons with higher age. Hence, buying a health insurance plan at a higher age will cost a higher premium amount.
  • Sum Insured - You will have to pay for more insurance premium to avail a higher amount of sum insured. Therefore, it is always advised to select the sum insured strictly as per your budget and requirement as it enhances the cost of the premium.
  • Lifestyle and Habits - People who smoke, drink or chew tobacco products on a regular basis are provided with insurance policies at quite a higher premium amount than to any standard policyholder. Even insures mostly reject the health insurance plan application of people with bad habits due to their vulnerability.
  • Family Medical History - If you belong to a family where some or maximum of your family members have a history of specific medical illnesses like heart diseases, cancer, etc., the amount of the premium of your health insurance policy can be higher than others. Though it is a matter of genes, it puts you at risk and so to your insurer.

Top ManipalCigna Health Insurance Plan Types

ManipalCigna Health Insurance covers its policyholders against different types of medical expenses incurred due to the treatment of any illness and injury. Here are the top 5 health insurance plans offered by the ManipalCigna Health Insurance Company:

1. ManipalCigna ProHealth Insurance – Individuals and families are covered under the ProHealth Insurance Policy. Anyone above the age of 18 can apply to purchase this plan. It is a comprehensive plan with a no-limit entry feature and a sum insured range of Rs. 2.5 lakh to Rs. 1 crore that is aimed to cover everyone.The policy provides various benefits such as in-patient hospitalisation, pre-hospitalisation and post-hospitalisation, daycare procedures, maternity expenses, newborn baby expenses, worldwide emergency cover, restoration of the sum insured etc.

2. ManipalCigna Super Top Up Plus Plan – This Super Top Up Plus health insurance policy is designed to ensure that policyholders can always hold adequate health coverage. It allows you to enhance your existing health insurance policy either individual, family floater or group insurance at an affordable premium. People of 18 years and above can purchase this plan. It offers a wide range of sum insured from Rs. 3 lakh to Rs. 30 lakh with deductibles of Rs. 3 lakh to Rs. 10 lakh. It provides several benefits such as in-patient hospitalisation, pre-hospitalisation and post-hospitalisation, cumulative bonus, ambulance cover, donor expenses, non-medical expenses cover and so on.

3. ManipalCigna Lifestyle Protection - Critical Care – The Lifestyle Protection - Critical Care health insurance policy is designed to help policyholders meet the costs of treatment for a critical illness that is mentioned in the policy. This health insurance plan is available to those between the ages of 18 and 65, and it can be renewed for the rest of their lives.It is divided into two plans such as Basic and Enhanced, where the former offers coverage for 15 critical illnesses and latter offers coverage for 30 critical illnesses. The sum insured amount under this policy ranges from Rs. 1 lakh to Rs. 3 crore.

4. ManipalCigna ProHealth Select Insurance – ManipalCigna ProHealth Select health insurance plan offers coverage on an individual as well as family floater basis. It offers wide insurance coverage with the different sum insured options that range from Rs. 50,000 to Rs. 25 lakh. It can be bought by any individual between the age group of 18 years and 65 years. The basic covers provided by this policy includes in-patient hospitalisation, pre hospitalisation and post hospitalisation, daycare treatment, domiciliary treatment, ambulance cover, donor expenses etc. The plan extends its offerings by holding some value-added cover, optional covers and add-on covers as well.

5. ManipalCigna Arogya Sanjeevani Policy – This ManipalCigna Arogya Sanjeevani Policy provides policyholders with comprehensive coverage. Individuals and families can apply for it, and proposers must be at least 18 years old and no more than 65 years old. Individual and family floater policies come with sums insured ranging from Rs. 1 lakh to Rs. 5 lakh and allow you to add different connections in the policy.The salient features that this plan offers are in-patient hospitalisation cover, in-patient hospitalisation for Ayush treatment, modern treatments cover, cumulative bonus, daycare procedure, cataract treatment, road ambulance cover and so on.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up health insurance policy is meant to supplement your existing health insurance coverage. It comes in handy when your current insurance plan doesn't give you with enough coverage to handle the high costs of hospitalisation. This coverage, however, is only available when your normal plan's maximum sum insured has been reached. As a result, you can only choose this plan if you already have an insurance coverage.In simple terms, it is a plan that gives your existing insurance policy extended coverage at nominal rates without buying another insurance cover.

ManipalCigna Health Insurance owns a top-up plan namely as ManipalCigna Super Top-Up Plus Plan. It comes with additional insurance coverage which is available after the sum insured of your existing plan gets exhausted. It allows policyholders to supplement their existing health insurance plan at a reasonable price. This insurance policy offers you benefits like extended pre-hospitalisation and post-hospitalisation benefits, no capping on room rent, cumulative bonus, and so on.

You can also buy the best health insurance plans at home with InsuranceDekho.

ManipalCigna Health Insurance Top Up List

    Name of PlanSum Insured
    Super Top-Up Policy Min: 91 Days ; Max: No Max Limit3 Lakh - 30 Lakh Check Premium
    Pro HealthMin: 91 Days; Max: No Limit2 Lakh Check Premium
    Lifetime Health Insurance PolicyMin: 91 Days; Max: 65 years Check Premium

    Why Choose ManipalCigna Health Insurance?

    ManipalCigna Health Insurance holds a lot to offer to its policyholders. Here are some of those health insurance-related offerings:

    • High Claim Settlement Ratio - The claim settlement ratio denotes the number of claims settled by an insurance company out of the total claims requested to it by its policyholders in a financial year. The ManipalCigna Health Insurance featured a Claim Settlement Ratio of 85.72% in the financial year 2019-2020.
    • Great Customer Support - When it comes to customer care, the support staff of the insurer leaves no stone unturned to bring satisfaction and peace for its policyholders. You can easily reach out to them 24x7.
    • Wellness Programs - A wide range of wellness services and programs are available to assist policyholders in living a better, more fulfilling life. ManipalCigna Health Insurance is committed to its customers' health, well-being, and peace of mind.
    • Worldwide Emergency Cover - The insurance provider understands that injuries or illnesses can happen anytime and anywhere. Hence, a worldwide emergency cover is offered to cover the medical costs that may arise due to an injury or illness outside the country.
    • Awarded Health Insurance Company - The ManipalCigna Health Insurance Company has been awarded as ‘The Best Health Insurance Company Of The Year’ at the India Insurance Summit Awards 2019. This has recognised it as a trusted name in the insurance industry and as a reliable insurance provider.

    Health Insurance Coverage Calculator

    Who do you want to insured ?

    • Individual
    • Couple
    • Family
    • Parents

    Age of eldest insured member ?

    Where do you live ?

    Disclaimer : Actual Coverage might vary basis your location, age and number of members

    Network Hospitals of ManipalCigna Health Insurance

    Only hospitals in the insurer's network are eligible for cashless treatment. It is usually preferable to choose an insurance carrier with a larger network of network hospitals because policyholders will have a higher chance of finding a hospital with a cashless facility nearby.ManipalCigna Health Insurance acquires 6,500+ network hospitals, where it provides cashless health treatment.

    2500 ManipalCigna Cashless Network Hospitals in India

    ManipalCigna Health Insurance Tax Benefits

    The benefits of ManipalCigna Health Insurance plans do not cease to protect you during medical emergencies, rather provides assistance in saving your income as per the deductions available under section 80D of the Income Tax Act. Find the details of the tax benefits that you can earn with ManipalCigna Health Insurance plans:


    Premium Paid

    Deduction under Section 80D of the Income Tax Act

    Self, Family, Children


    When Policyholder and Parents are below 60 years

    Rs. 25,000

    Rs. 25,000

    Rs. 50,000

    When Policyholder and family members are below 60 years with parents above 60 years

    Rs. 25,000

    Rs. 50,000

    Rs. 75,000

    When Policyholder, family members and parents are above 60 years

    Rs. 50,000

    Rs. 50,000

    Rs. 1,00,000

    Members of HUF

    Rs. 25,000

    Rs. 25,000

    Rs. 25,000

    Non-resident Individuals

    Rs. 25,000

    Rs. 25,000

    Rs. 25,000

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Manipal Cigna Health Insurance Claim Settlement Ratio

    The Claim Settlement Ratio is the ratio of an insurance provider's total number of claims settled to the total number of claims requested by policyholders. Over the last two years, ManipalCigna Health Insurance Company has had a record-breaking claim settlement ratio.This reflects the consistent performance of the insurer, which has increased its reliability among the customers as well as policyholders. Here are the Claim Settlement Ratios of ManipalCigna Health Insurance for the last two years:

    Financial Year

    Claim Settlement Ratio

    FY 2018-2019


    FY 2019-2020


    (Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

    ManipalCigna Health Insurance Claim Process

    The claim process of health insurance signifies a procedure where the insurance providing company compensates the medical expenses of its policyholders incurred due to hospitalisation for the treatment of any illness and/or injury. The settlement of health insurance claims can be done in two different ways such as cashless claim and reimbursement claim.

    What is the Cashless Claim Process of ManipalCigna Health Insurance?

    While getting treated in a network hospital of ManipalCigna Health Insurance, the policyholder need not pay anything and his/her claim gets settled in a cashless manner. Under this process, the insurance provider directly pays off the entire amount of the hospital bill as per the terms and conditions of the health insurance policy.

    You can follow the steps given below to easily raise a cashless claim with ManipalCigna Health Insurance:

    Step 1: Intimate the Insurance Provider
    Covey ManipalCigna Health Insurance about the information of your admission in the hospital 3 days in advance at 1800-419-1159, in case of planned admission. However, in case of emergency, intimate the insurer within 24 hours of hospitalisation by calling at the same number.

    Step 2: Show Your Identification
    Show your ManipalCigna Health Insurance health card and valid photo ID at the insurance department or TPA desk of the hospital. Also, you need to fill the cashless hospitalisation request form and submit it to the hospital which they will share with the insurance provider.

    Step 3: Verification of Documents
    The claim settlement team of ManipalCigna Health Insurance will examine the information and documents provided to them. If the team finds the information provided to be insufficient and needs any other document, they may contact the network hospital to get that.

    Step 4: Claim Service Assistance
    If the policyholder requires any assistance with the paperwork or claim settlement forms, the claim service associate will be available to guide them to the right process.

    Step 5: Settlement of Claim
    At the time of discharge, the network hospital sends the final request with the final hospital bill. If the claim request gets approved, the insurer will inform the hospital and you about the same and your bills will be paid off after considering any co-payments, inadmissible expense, or deductions. While if the request is disapproved, the insurer will convey about the same with the valid reasons.

    How To Make A ManipalCigna Health Reimbursement Claim?

    When a policyholder gets treated in a network hospital, which does not fall in the network of ManipalCigna Health Insurance, then the reimbursement type of claim settlement process is executed. As per this type of claim settlement process, the policyholder needs to make payment for all the medical costs incurred during their hospitalisation. However, a policyholder can raise a claim reimbursement request of the incurred medical expenses from the insurance provider subject to the sum insured.

    Following are the steps to raise a reimbursement claim request with ManipalCigna Health Insurance:

    Step 1: Intimate The Insurance Provider
    Convey ManipalCigna Health Insurance about your hospitalisation 3 days in advance at 1800-419-1159, in case of planned hospitalisation. Whereas, in case of emergency hospitalisation, inform the insurance provider within 24 hours of hospitalisation at the same number.

    Step 2: Avail Medical Treatment
    Avail medical treatment at the hospital and make the payment for hospital bills. Collect all the medical bills, test reports, discharge summary, and other relevant documents while getting discharged from the hospital to share with the insurance provider.

    Step 3: Submit Claim Documents
    Get the health insurance claim request form from Manipal Health Insurance website or you can find it in your insurance policy kit provided to you. Duly fill and sign the form along with the required medical documents and send it to the corporate office or at the nearest branch of ManipalCigna Health Insurance within 15 days of discharge from the hospital.

    Documents Required For ManipalCigna Health Reimbursement Claim

    • Valid ID Proof of Policyholder
    • Doctor’s recommendation letter for hospitalisation
    • Doctor’s prescription for consultation, medicine, and medical tests
    • Original hospital bills, receipts, and discharge forms signed by the doctor
    • Original invoices from chemists
    • Original reports of diagnostic tests, radiology reports and payment bills
    • First Information Report (FIR), if it is a police case
    • Post Mortem Report, if applicable

    Step 4: Verification of Documents
    The claim settlement team of ManipalCigna Health Insurance will make a detailed analysis of the claim form and medical documents. If they find them insufficient, you can be asked to provide additional information or documents. In case your claim request gets rejected, you will be informed about the same stating the valid reasons.

    Step 5: Settlement of Claim
    If the insurance provider gives the approval for your claim request after the verification, you will be informed about the same and will be provided with the amount of claim after making relevant deductions, co-payments etc.

    Claim Process at ManipalCigna Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    Benefits of ManipalCigna Health Insurance Plans

    Following are the benefits that you can avail by holding a ManipalCigna Health Insurance Policy:

    • Assured Annual Bonus – With this benefit, policyholders of the ManipalCigna Health Insurance plans can increase 25% of their sum insured every year up to 200% with most of its insurance plans. This will help you combat the rising medical prices but may vary from plan to plan.
    • Multiple Restoration - It refers to a feature that allows you to restore your entire sum insured if your health coverage becomes insufficient or exhausted due to many health insurance claims. This feature is available to policyholders with the majority of the insurer's health insurance plans.
    • Lifetime Renewability - The insurance provider allows their policyholders to renew their health insurance policies anytime during their lifetime and stay associated with the plan as long as they want without any hassle. Thus, ManipalCigna Health Insurance offers uninterrupted medical coverage to all its policyholders.
    • Easy Portability Option - This is a benefit offered by the insurance provider for those who want to port their existing health insurance policies. With this option, policyholders can change their insurance provider without losing out the benefits of their existing health insurance policy.

    ManipalCigna Health Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness
    • InsuranceDekho always offers a smooth buying process. I bought from them the ManipalCigna Health Insurance Pol...

      Read More
      By Harish Pawar
      On: Aug 24, 2023
    • I am happy to have bought the Care Health Insurance- Joy at InsuranceDekho. I bought it on a friend’s re...

      Read More
      By Aseem Arora
      On: Aug 11, 2023
    • At InsuranceDekho, it was easy to fill quotes. I visited the portal, filled out a quote and shortlisted the mo...

      Read More
      By Malvika Sondhi
      On: Aug 08, 2023
    • One of my friends suggested that I buy the Care Health Insurance (Religare)- Joy as it offered enhanced covera...

      Read More
      By Khush Batra
      On: Jul 31, 2023
    • Loved my experience at InsuranceDekho. You can buy the plan anytime at your convenience. Super-friendly staff ...

      Read More
      By Vishesh Despande
      On: Jul 19, 2023

    Latest News on ManipalCigna Health Insurance

    ManipalCigna Health Insurance Plan Inclusions

    Policyholders can avail the below-given inclusions under the health insurance policies of ManipalCigna Health Insurance:

    • In-patient Hospitalisation - Under this, the insurance provider covers the medical expenses incurred during the hospitalisation of any insured person for any injury or illness, as an in-patient for more than 24 hours. This includes room rent, doctor’s fee, diagnostic tests, blood, oxygen, drugs and so on.
    • Pre-Hospitalisation and Post-Hospitalisation - This holds the coverage for medical expenses of policyholders up to 60 days before the date of hospitalisation and up to 90 days after discharge from the hospital.
    • Donor Expenses - The insurer will cover the medical costs incurred towards an organ donor for harvesting the organ in the case of major organ transplant.
    • Emergency Ambulance - It provides the coverage for the expenses incurred for transportation of an insured individual to the hospital by the emergency ambulance following a medical emergency.
    • Day Care Treatment - It compensates the medical expense of any insurer member incurred due to daycare procedures. The daycare surgery or procedure is a treatment that takes less than 24 hours of hospitalisation.

    What Are The Exclusions of ManipalCigna Health Insurance?

    Here are some exclusions under ManipalCigna Health Insurance Plans, which are not allowed to be availed by policyholders:

    • Sexually Transmitted Diseases - No medical coverage is provided for the treatment of sexually transmitted or venereal ailments.
    • Aesthetic procedures - The insurer is not liable to pay for any expense incurred on cosmetic or plastic surgery, obesity treatment, or any aesthetic procedure.
    • Self-inflicted Injury - Treatment of injuries or illnesses arising due to any intentionally self-harming action such as suicide or suicide attempt.
    • Warlike Situations - Medical expenses of any insured person sustained injuries in war, invasion, riots and other similar conditions, will not be covered.
    • Vitamins and Tonics - No medical cover is offered for vitamins and tonics for the treatment of any disease, illness or injury unless prescribed by a doctor.

    The inclusions and exclusion mentioned-above may vary from policy to policy provided by ManipalCigna Health Insurance.

    ManipalCigna Health Insurance Policy Terms

    Here are the health insurance policy terms offered by the ManipalCigna Health Insurance Company for its policyholders. Nevertheless, these health insurance policy terms may vary from plan to plan provided by the insurance provider:

    Minimum Age of Entry

    91 days

    Maximum Age of Entry

    No Limit

    Policy Renewal

    ManipalCigna Health Insurance coverage comes with the feature of lifelong renewability. The policies can get renewed as it is or in their closest alternative accredited by IRDA.


    A co-payment of 20% is applicable only if a person in the health insurance plan is of more than 65 years of age. But, if the age of all the insured members in the cover is less than 65 years, then no co-payment is applicable.

    Waiting Period

    A waiting period of 30 days for all illnesses, except injury, is applicable under the ManipalCigna Health Insurance plans. Otherwise, the waiting period of 4 years of uninterrupted coverage is applicable in case of pre-existing illnesses.

    How to Purchase ManipalCigna Health Insurance Policy at InsuranceDekho?

    You can purchase health insurance plans of ManipalCigna Health Insurance via online and offline methods at InsuranceDekho.

    Buy ManipalCigna Health Insurance Plan Online at InsuranceDekho

    You can follow the steps given below to make the purchase of ManipalCigna Health Insurance policy at InsuranceDekho:

    Step 1: Visit InsuranceDekho website, i.e, and choose the health tab.

    Step 2: Select your Gender and fill in your Name and Mobile Number. After this, you will get an OTP, kindly enter that.

    Step 3: Select the time when you wish to buy the insurance policy. Click on the ‘View Instant Quotes’ to continue.

    Step 4: Select the members of your family you want to include in the policy along with yourself.

    Step 5: Select the age of the family members whom you want to add in the policy and click ‘Continue’.

    Step 6: Enter the Email ID and City and click on the ‘Submit and View Quotes’ button. Multiple insurance policy quotes will appear based on your selections. Then, choose an insurance cover that suits you the best.

    Step 7: Select the insurance policy term of the selected health plan, duly fill the required details and make the payment for the purchase.

    Buy ManipalCigna Health Insurance Plan Offline at InsuranceDekho

    To purchase a ManipalCigna Health Insurance plan offline at InsuranceDekho, you can get in touch with us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday).

    For any further assistance, please feel free to write to us at

    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers

    ManipalCigna Health Insurance Renewal Process

    You should renew your health insurance plan with ManipalCigna Health Insurance to remain secured against increasing medical expenses. During renewal, policyholders are allowed to increase the coverage of their health insurance plan. With this process, you can continue to utilise your existing insurance policy benefits and keep yourself secured during any medical emergency in future.

    Following are the steps to get your ManipalCigna health insurance policy renewed:

    Step 1: Visit the website of ManipalCigna Health Insurance i.e.,

    Step 2: Click on the ‘Renewal’ tab and select ‘Retail Customer’ or ‘Group Customer’ section.

    Step 3: Enter your existing Policy Number and click on the ‘Proceed’ button.

    Step 4: Review the health insurance policy details and amount of premium for renewal.

    Step 5: Make payment for the amount online using the payment gateway of the insurer.

    Health Insurance News

    ManipalCigna Health Insurance Contact Details

    Reach us for help anytime

    Best Insurance Advisors in Your City.

    FAQ About ManipalCigna Health Insurance

    • Whom should I contact for claim intimation and settlement?

      You can notify either InsuranceDekho or ManipalCigna directly by calling at customer care numbers for planned or emergency hospitalisation. InsuranceDekho's toll-free number is 7551196989. 

    • What is the time limit for claim submission in case of the cashless facility?

      You need to submit the claim within 15 days from the date of discharge from the hospital.

    • Is pre-policy medical checkup free?

      Yes, ManipalCigna bears the cost of all pre-medical tests.

    • Does ManipalCigna share medical reports if a policy is not issued?

      Yes, the medical reports are shared if you request in writing.

    • What to do if a cashless hospital is not available at my location?

      You can choose a non-network hospital for the treatment and raise a reimbursement claim. However, you need to inform the insurance company within 48 hours of your admission in case of emergency and 3 days before in case of planned treatment.

    Latest Health Insurance Articles