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ManipalCigna Health Insurance

ManipalCigna Health Insurance plans offer customers a number of benefits and discounts. The company customers flexible premium payments, cashless facilities and access to a wide hospital network.
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ManipalCigna Health Insurance Company Limited is a joint venture between the U.S. based global health services leader, Cigna Corporation and Indian conglomerate, Manipal Group. Cigna Corporation, a fortune 500 company is the first US Health Insurance player to set foot in the country. Cigna’s partnership with the Manipal Group, will bring in innovative suite of health insurance products along with an enhanced customer service experience to the Indian market.


ManipalCigna Health Insurance Highlights Updated on 16 Sep 2019

Features Specifications
Network Hospitals 4000+
Waiting Period for Pre-existing Disease 4 years
Incurred Claims Ratio 46.29
Number of Policies Issued 176695
Grievances Solved 99.58%
Renewability Lifetime

*For Year 2017-2018

Overview

ManipalCigna Co. Ltd. became operational in 2019 when TTK sold its 31.48% stakes to Manipal Group. It was formed when Cigna Corporation and Manipal Group came together to create an insurance provider focused solely on health assurance products. Manipal Cigna’s head office is based in Mumbai, from where it manages its business in over 11 cities in India.

The company is a mix of the global experience of Cigna Corporation and the domestic knowledge of the Manipal Group. The outcome is the development of a number of innovative policies, supported by strong customer service. To this end, the company invests in top technologies to strengthen its operations.

Cigna Corporation, a Fortune 500 business entity, was the first insurer from the US to enter Indian markets. The Manipal Group has earned a strong reputation, in India, for its successful management of multiple businesses in differing segments.

ManipalCignamakes healthcare more accessible to people by making it affordable. It does this through its many plans that promote personal health management. These health insurance policies are developed based on an understanding of a potential proposer’s profile. They provide coverage at different levels and for different situations. .

The following health insurance plans offered by ManipalCigna cover both individuals and their families. The features, benefits, coverage and important terms and conditions of each policy are tabulated/outlined below.

Types of Health Insurance Policies Provided by ManipalCigna Health Insurance:

Policies forming a part of the company’s health insurance plans portfolio are listed below:

  1. ManipalCigna Prohealth Protect Plan
  2. ManipalCigna ProHealth Plus Plan
  3. ManipalCigna ProHealth Preferred Plan
  4. ManipalCigna ProHealth Premier Plan
  5. ManipalCigna Lifestyle Protection - Critical Care Plan
  6. ManipalCigna Lifestyle Protection - Accident Care Plan
  7. ManipalCigna ProHealth Accumulate Plan

ManipalCigna ProHealth Protect Plan:

Eligibility Coverage Features/Benefits
Minimum Entry Age - 91 days. Maximum Entry Age – None Sum Insured - Rs.2.5 lakhs or Rs.3.5 lakhs or Rs.4.5 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses.
Medical screening - Depends on age and chosen sum assured. - Mandatory for insured persons aged 46 years and above. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.500 p.a. reimbursed.
Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 5% to 50% depending on the number of consecutive claim-free years.
In-Patient Hospitalization - Room on sharing basis. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits.
Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days Comprehensive Health Checks - For insured members aged 18 years and above. - Every 3 years.
Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 90 days. Voluntary Deductible Option (depending on sum insured) - Amount paid by the insured. - Rs.1 lakh or Rs 2 lakhs. - On all admissible claims.
Day Care Procedures (limited to the sum insured) - Hospitalization less than 24 hours. Voluntary Co-Payment Option - Alternative to voluntary deductible. - 10% to 20% of the claim paid by the insured.
Domiciliary Care i.e. treatment at home (limited to the sum insured). Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only.
Ambulance Charges - Up to Rs.2,000 per hospitalization.
Donor costs (limited to the sum insured) - Hospitalization expenses of donor.
Pre-Existing Diseases - Upon completion of 48 months of the policy since inception.
Global Cover (limited to sum insured) - Medical emergencies abroad. - Reimbursement basis.
Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.

ManipalCigna ProHealth Plus Plan:

Eligibility Coverage Features/Benefits
Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.4.5 lakhs or Rs.5.5 lakhs or Rs.7.5 lakhs or Rs.10 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
Medical screening - Depends on age and chosen sum assured. - Mandatory for insured persons aged 46 years and above, for chosen sum assured amounts of Rs.4.5 lakhs, Rs.5.5 lakhs and Rs.7.5 lakhs. - Mandatory for insured persons aged 41 years and above, for chosen sum assured amount of Rs.10 lakhs. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.2,000 p.a. reimbursed.
Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Voluntary Deductible Option (depending on sum insured) - Amount paid by the insured - Rs.1 lakh or Rs. 2 lakhs or Rs.3 lakhs. - On all admissible claims.
Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours. Voluntary Co-Payment Option - Alternative to voluntary deductible. - 10% to 20% of the claim paid by the insured.
Domiciliary Care i.e. treatment at home (limited to the sum insured). Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only.
Ambulance Charges - Up to Rs.3,000 per hospitalization.
Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.15,000 for normal delivery. - Up to Rs.25,000 for C-section.
New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.
Donor costs (limited to the sum insured) - Hospitalization expenses of donor.
Pre-Existing Diseases - Upon completion of 36 months of the policy period.
Global Cover (limited to sum insured) - Medical emergencies abroad. - Reimbursement basis.
Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.

ManipalCigna ProHealth Preferred Plan:

Eligibility Coverage Features/Benefits
Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.15 lakhs or Rs.30 lakhs or Rs.50 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
Medical screening - Mandatory for all entrants. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.15,000 p.a. reimbursed.
Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only..
Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours.
Domiciliary Care i.e. treatment at home (limited to the sum insured).
Ambulance Charges - -As per actuals, per hospitalization.
Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.50,000 for normal delivery. - Up to Rs.1 lakh for C-section.
New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.
Donor costs (limited to the sum insured) - Hospitalization expenses of donor.
Pre-Existing Diseases - Upon completion of 24 months of the policy period.
Global Cover - Medical emergencies abroad. - Up to Rs. 10 lakhs - Reimbursement basis.
Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.

ManipalCigna ProHealth Premier Plan:

Eligibility Coverage Features/Benefits
Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.1 crore i.e.Rs.100 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
Medical screening - Mandatory for all entrants. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.15,000 p.a. reimbursed.
Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only..
Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours.
Domiciliary Care i.e. treatment at home (limited to the sum insured).
Ambulance Charges - -As per actuals, per hospitalization.
Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.50,000 for normal delivery. - Up to Rs.1 lakh for C-section.
New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.
Donor costs (limited to the sum insured) - Hospitalization expenses of donor.
Pre-Existing Diseases - Upon completion of 24 months of the policy period.
Global Cover - Medical emergencies abroad. - Up to Rs. 10 lakhs - Reimbursement basis.
Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.

Lifestyle Protection - Critical Care Plan:

Eligibility Coverage Features/Benefits
Minimum Age - 18 Years Maximum Age - 65 Years Sum Insured
  • 10 times annual income
  • For non earning family members 60% of earning members cover
  • For dependants 30% of earning members cover
  • All assured sums are subject to a limit of Rs. 3 Crore
Online Wellness Program
  • Health Risk Assessment
  • Lifestyle Management Programs
  • Nutrition Programs
Renewal Age Limit: None Premiums: Calculated based on sum insured, plan, age, lifestyle, gender and health status Second opinion for diagnosis of covered critical illness
Medical Screening - Requirement decided based on age, medical history and sum assured Policy Period - 1 year, 2 years or 3 years Tax benefits for Premiums
  • As applicable under section 80D
  • Premiums paid in cash not eligible
Basis - Individual & family floater Free Look Period
  • 15 days from receipt of policy document
  • If no claims are made then premium will be refunded subject to deductions
Policy Cancellation
  • Can be done anytime
  • Refund of premium on short period basis
Comprehensive Health Checks
Waiting Period - 90 days from the start of the policy for diagnosis of critical illness Grace Period - 30 days from expiry for single premium policies
Revival Period - For instalment premium policy, 15 days 10% discount on premiums when more than 2 family members are included
Critical Illness Covered
  • Basic plan, 15 illnesses covered
  • Enhanced plan, 30 illnesses covered
7.5% discount on premiums for policy with duration 2 years
10% discount on premiums for policy with duration 3 years

Lifestyle Protection - Accident Care Plan:

Eligibility Coverage Features/Benefits
  • For Adults:
    1. Minimum Age - 18 Years
    2. Maximum Age - 80 Years
  • For Children:
    1. Minimum Age - 5 Years
    2. Maximum Age - 25 Years
Sum Insured
  • 100% of sum assured if death occurs due to accident
  • 200% of sum assured if death occurs due to accident in a common carrier for which the person has paid fare
  • All assured sums are subject to a limit of Rs. 3 Crore
  • BROKEN BONES BENEFIT
  • BURNS BENEFIT
  • COMA BENEFIT
  • EDUCATION FUND
  • EMERGENCY AMBULANCE COVER
  • FUNERAL EXPENSES
  • LOSS OF EMPLOYMENT
  • ORPHAN BENEFIT
  • PERMANENT PARTIAL DISABLEMENT
  • PERMANENT TOTAL DISABLEMENT
  • TEMPORARY TOTAL DISABLEMENT
Renewal Age Limit: None Premiums: Determined based on sum insured, plan, age, lifestyle, gender and health status Free look period, 15 days from receipt of policy document
Persons between 70-80 years of age are accepted based on their medical screening test Policy Period - 1 year, 2 years or 3 years Tax benefits for Premiums As applicable under section 80D Premiums paid in cash are not eligible for tax exemption
Basis - Individual & family floater Portability Option Available - Port your existing personal accident policy to ManipalCigna Lifestyle Protection Accident Care Policy provided your current insurer is a non-life insurer and your policy is registered under the Indian Health Retail policy
Waiting Period - 90 days from the start of the policy for symptoms of critical illness to surface Policy Cancellation request can be placed at any time of the policy period. Refund of premimums is done at a very short notice
Revival Period - For instalment premium policy, 15 days Grace Period - 30 days from expiry for single premium policies
Claims Pay-out Options
  • In a lump sum or
  • Staggered pay-out
Three kinds of cover options
  • Basic Cover - Death, Ambulance and Funeral Expenses
  • Enhanced Cover - Death, Ambulance and Funeral, Education, Permanent Total Disability Expenses
  • Comprehensive Cover - Along with the above mentioned benefits coverage of Loss of emplyment, Orphan Benefit and Permanent Partial Disability is also covered
  • Optional Covers - To cover temporary permanent disability, Burns benefit, broken bones benefit, coma benefit

ManipalCigna ProHealth Accumulate Plan:

ManipalCigna offers the ProHealth Accumulate Plan which is a unique policy that combines a policy with savings. Protect yourself against expensive medical care, critical illnesses, day care, domiciliary treatment, ambulance expenses and more. While you take care of current health care expenses, you can build up a fund to ensure you can afford future health care. Every year, on the unutilized insurance value, the health maintenance benefit kicks in giving you a bonus of 5%. This plan is designed to take care of the present and the future designed on the lines of the rising medical costs.

Features and Benefits:

  • Get the best of both worlds of protection and savings with a health care plan that allows to protect yourself now and in the future.
  • Protect yourself against the most important expenses associated with illnesses, injuries, and diseases that require hospitalization, home care or day care.
  • Coverage will span over pre-existing illnesses after a 48-month period of continuous coverage under this plan.
  • Grow your insurance cover with the Health Maintenance Benefit and Cumulative Bonus for no claims.
  • Be rewarded for staying healthy. Earn 1% of your annual premium valued at Rs.1 per reward point.
  • Be covered anywhere in the world with emergency cover for medical expenses incurred abroad.
  • Get a free look period of 15 days and cancel the policy if you are not happy.
  • Get income tax deductions for the premium paid towards this policy under Section 80D of the Income Tax Act, 1961.

ManipalCigna Health Insurance Customer Care:

Established in 2014, Manipal Cigna Health Insurance is one of India’s few standalone health insurance provider which started as a joint venture between the Cigna Corporation, USA and the Manipal Group from India. While being relatively new to the health insurance sector, the company has carved a name for itself in the health insurance sector.

To cater to the needs of their customers, Manipal Cigna has established a well-distributed network of branches where customers can reach out to get their policy-related queries resolved. These branches are located in all major Indian cities like Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Cochin, Kolkata, Jaipur, Ahmedabad, etc.

ManipalCigna Cashless Network Hospitals:

For cashless hospitalisation, it is advisable to check the list of network hospitals of the insurer before admission. ManipalCigna offers cashless facility at over 4,000 network hospitals across the country. To locate a network hospital nearest you, select your state and city from the drop-down box on the online Network Hospital Locator tool. You will get a list of network hospitals in your area with contact details.

Find cashless network hospitals nearby: ManipalCigna Cashless Network Hospitals

How to File a Claim with ManipalCigna?

Any number of claims can be made in a policy year but it is subject to the sum insured limit.

  • Cashless Claim: Visit a network hospital of ManipalCigna to avail cashless treatment. In the case of a planned hospitalisation, to avail cashless facility at a network hospital, intimate the insurer 3 days prior to admission. For unplanned hospitalisation, intimate the insurer within 48 hours of admission. Display your ManipalCigna health card and a photo ID at the hospital desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. After verification of the pre-authorisation request, the insurer will send an approval letter to the hospital, after which the cashless treatment will be begin. The insurer will settle the hospital bills directly with the hospital. The pre-authorisation request will be approved within 90 minutes of receiving the documents.
  • Reimbursement Claim: In the case of reimbursement claims, submit the claim form with the necessary medical documents within 15 days of your discharge from the hospital. The claim form along with the supporting medical documents can be submitted at the nearest ManipalCigna branch office or the head office. The status of your claim will be intimated to you via email or SMS. Or, you can contact your health advisor or health relationship manager at ManipalCigna to get an update of your claim status. The claim will be settled within 5 to 30 working days of receipt of the claim documents. The claim amount will be sent to the insured member through EFT, cheque or DD.

Incurred Claims Ratio of ManipalCigna Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.266.14 crore Rs.123.20 crore 46.29%

ManipalCigna Health Insurance FAQs:

  1. How does the claim settlement process work?
  2. Customers can avail cashless treatments at more than 4000 network hospitals of ManipalCigna throughout India. Cashless claims are carried out at network hospitals 90 minutes after submission of requisite documents to the company. The final amount is intimated at the end of treatment. The non-payable amounts will be deducted and have to be paid by the customer. Alternatively, the insured may pay the amount upfront to the hospital, and claim reimbursements once they are discharged. In this case, a cheque will be sent accordingly.

  3. How many times can I claim health insurance benefits in a year?
  4. There are no limits on number of claims, but the sum insured isn’t changeable, and the cover will cease to exist once you have exhausted all the funds therein.

  5. How long does it generally take to process claims?
  6. Claims will be settled or rejected at least 5 days after receiving the last relevant documents, and not more than 30 days thereafter.

  7. What happens if I can’t submit claim forms within the stipulated time?
  8. All the relevant documents should be submitted within the pre-defined timelines. However, in case of delays, the company shall consider cases if the customers provide satisfactory explanations on the delay. Otherwise, claims are not liable to be fulfilled.

  9. What do you mean by Health Insurance Benefit from ManipalCigna?
  10. This entitles customers to request for reimbursements incurred during diagnostic tests, drugs, medical aids, dental treatments, prosthetics, and alternative medications.

  11. What do you mean by Annual Check Up?
  12. Insured individuals can claim comprehensive health expenses at any of the network hospitals of ManipalCigna, if all the eligibility criteria are met. The check-ups are organized by the company.

    • Protect plans provide full health check-up after every 3 years.
    • Premier, Preferred, and Plus customers can avail check-ups every year.
    • What if my cashless hospitalization expenses are more than my insured amount?

      In such cases, the network hospital will ask for increase in authorization limit, including circumstances that led to that scenario. The enhancement in funding will then be done at the sole discretion of the company.

  13. What are the formalities to be completed when my treatment costs exceed the sum insured?
  14. When getting discharged:

    • The network hospital may provide authorization request for additional funds required, if any.
    • On receipt of this letter, the hospital will then discharge the customer.
  15. Can you elaborate on Worldwide Emergency Cover?
  16. Medical expenses that are incurred by the insured outside India are also covered by ManipalCigna, if:

    • The treatment can be categorized as emergency, and it is imperative to get treatment immediately. Reimbursements are covered according to Section II.I in the World Emergency Cover policy.
    • The resultant treatment pertains to inpatient hospitalization.
    • Reimbursements are paid out in Indian Rupees, and are available up to the insured amount.
    • The claims are based on the currency rate of exchange applicable on the day of payment of hospital bills. These rates are published by the Reserve Bank of India.

Examples of Network Hospitals in Major Cities:

CITY NAME OF HOSPITAL
DELHI Aastha Hospital
MUMBAI Aarogyam Multispeciality Hospital
KOLKATA All Asia Medical Institute (A Unit Of Harsh Medical Centre Pvt Ltd).
BANGALORE Abhilash Hospital & Sara Rehabilitation Centre
CHENNAI A A Hospital

*Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


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ManipalCigna Health Insurance Reviews

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  • ManipalCigna Health Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I am having a health insurance from Cigna TTK. This policy covers only for myself. They have given me a coverage amount of sufficient. For the premium amount I use to pay on yearly basis and use to do payment through an online. Most of the hospitals in my places has been covered in this policy.
    Was this review helpful? 0
    , ganaur
    Reviewed on Sep 04, 2019
  • ManipalCigna
    ManipalCigna Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I am having a health insurance from Cigna TTK. My employer has provided this policy. This policy covers only for me. They have given me a coverage amount of Rs. 2 lakhs. They are deducting the premium amount from my salary which is Rs. 400. Most of the hospitals in my places has been covered in this policy.
    Was this review helpful? 0
    , kochi
    Reviewed on Aug 18, 2019
  • ManipalCigna Health Insurance
    "Good for health"
    0.5 4.0/5 "Great!"
    I have personal health plan with Cigna TTK, they gave me Rs. 3 lakhs for per annum its covers for individual, they have critical illness, no claim bonus, pre existing customer is there. The premium amount was around Rs. 3000 for one year its good for health protection.
    Was this review helpful? 0
    , mumbai
    Reviewed on Aug 03, 2019
  • ManipalCigna Health Insurance
    "Poor services"
    0.5 2.0/5 "Expected more"
    Cigna TTK facilities is very poor. When i contacted the customer, they have given me a false information and they said so many lies by saying they have a tie up many hospitals and the hospitals are very fat from my home. I pay the premium amount of Rs. 7000 which covers only for me. I do not have any claim so far. They have given me a coverage amount of Rs. 5 lakhs.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jul 04, 2019
  • ManipalCigna Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance policy with CIGNA TTK HEALTH INSURANCE and i had no claim experience also i am using it since form last 3 years added on that it gives the coverage for me and my children. The medical coverage is for 3L in this policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 26, 2019
  • ManipalCigna Health Insurance
    "Good benefit policy"
    0.5 5.0/5 "Blown Away!"
    Taken my health insurance from Cigna TTK. All the terms and conditions and payment i have read in the broacher based on the benefits i have purchased the policy from this company. I'm paying the premium yearly once. I pay the premium amount of RS. 12500 only for covering me for that they are providing me a coverage of Rs. 3.5 lakhs.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 24, 2019
  • ManipalCigna Health Insurance
    "Very Good plan"
    0.5 5.0/5 "Blown Away!"
    Chosen my health insurance policy from TTK Cigna. Since the benefits are very good, i have purchased the policy from TTK Cigna. This is a good scheme for middle class people. Taken this policy for my entire family. My claim experience was very good and within 2 days, they have processed the claim.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 24, 2019
  • ManipalCigna Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with Cigna TTK from past two years, they have tie up with many hospital which is near to my location, their service was quite average, i use to pay premium on yearly basis through on line mode, whenever i face issue they have cleared it.
    Was this review helpful? 0
    , noida
    Reviewed on May 30, 2019
  • ManipalCigna Health Insurance
    "Best in the market"
    0.5 5.0/5 "Blown Away!"
    I have personal health cover with Cigna TTK, I got the medical card and brunches from their end. I paid the cost of Rs. 22,000 for two year, in this plan two members have added including me and my spouse. The policy has all major critical illness cover.
    Was this review helpful? 0
    , pune
    Reviewed on May 21, 2019
  • ManipalCigna Health Insurance
    "Satisfactory"
    0.5 5.0/5 "Blown Away!"
    The services are good and cashless facilities are available with Cigna TTK and they have tied up with many local hospitals. I have been using the service from last 2 years and I had a claim. The process was very simple. The premium is average of 10K and the medical coverage is 5.50L for per person. It was taken for myself as well as for my family.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on May 13, 2019
  • ManipalCigna Health Insurance
    "Excellent "
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance with Cigna TTK through online, It is a good company and world wide famous. The customer service is very good. I have gone for a claim of reimbursement and it was funded within time frame. The policy period is one year, it includes for myself, wife and daughter. The medical coverage is also good.
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    , ahmedabad
    Reviewed on Apr 01, 2019
  • ManipalCigna Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    Cigna TTK health insurance company is good,their agent has very clam and very patiently they response me,i have took my health insurance through them,my experience so far with this company was good,they have done cashless treatment,and the premium amount i need to pay on yearly basis up to 18,000 on yearly basis,it use to get auto debited from my account.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 30, 2019
  • ManipalCigna Health Insurance
    "Should be beneficial "
    0.5 3.0/5 "Satisfactory"
    Cigna TTK has very inconvenient website, even the medical card hard to download. I am not happy with their technology, I don't have any claim experience, but still there is no develop. The medical cover around Rs. 6 lakhs for entire family. Its not upto the mark interms of benefits as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 16, 2019
  • ManipalCigna Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am holding the health insurance policy of CIGNA TTK HEALTH INSURANCE it is my corporate insurance policy. the customer service is very good i had a claim once it was cashless also they gives the family coverage with this policy. Medical coverage is nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 10, 2019
  • ManipalCigna Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I am holding my health insurance with Cigna TTK health insurance, they have tie up with many hospital and they have shared me the location, and the premium amount they have charged me on yearly basis, and i use to pay premium on line,i had an claim experience it was good, and the cash less treatment option is available.
    Was this review helpful? 1
    , mumbai
    Reviewed on Feb 02, 2019
  • ManipalCigna Health Insurance
    "Cheap premium in the market"
    0.5 4.0/5 "Great!"
    I have purchased my health insurance from Cigna TTK. Due to the network of more hospital i have selected this company. They have given me a very good coverage of Rs. 5.5 lakhs. I used to pay the premium of Rs. 16000. I took this policy for my entire family.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 24, 2019
  • ManipalCigna Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • ManipalCigna Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • ManipalCigna Health Insurance
    "Good for Claim settlement"
    0.5 4.0/5 "Great!"
    The mediclaim value is good around Rs. 3 lakhs for me and for my mother and spouse Rs. 2 lakhs they got tie up with many hospitals, the policy generation is good. This year I used the policy for my wife pregnancy done surgery, cost around Rs 2 lakhs, they gave me 90% of the reimbursement.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 22, 2018
  • ManipalCigna Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my health insurance with Cigna TT health insurance, there premium amount they have charged me was nominal, they have charged me premium on yearly basis, and they have tie up with many hospital, and they have shared me location, i pay premium through on line.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 20, 2018
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