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Manipal Cigna Health Insurance
ManipalCigna Health Insurance started in 2014. It was created by two big companies, Manipal Group from India and Cigna Corporation from the USA. The company gives many health insurance plans with useful benefits like premium waiver and switch-off benefit. It also has special plans for senior citizens, serious illnesses, and accidents.
ManipalCigna makes it easy and fast to get your claim. In fact, 96% of cashless claims are settled within 2 hours. The company is also strong and stable, with good financial health shown by its claim ratio of 93% in 2024-25.
Key Highlights of Manipal Cigna Health Insurance
| Categories | Features |
|---|---|
| Founded In | 2014 |
| Claim Settlement Ratio | 93% |
| Cashless Hospitals | 8,900+ |
| Premium Starting at | Rs. 588/month |
| Sum Insured | Up to Rs. 3 Cr |
| Pre-Existing Coverage | Covered after 2 years |
| No. of Plans | 6 |
Manipal Cigna Health Insurance Plans
Key features of Manipal Cigna Health Insurance
Here are some important things that ManipalCigna Health Insurance covers:- 01
Covers hospital expenses
The plan helps you pay for hospital bills, including room charges, day care treatments, and costs before and after staying in the hospital.
- 02
Gives free health check-ups every year
Every adult who is covered in the plan of ManipalCigna can get a free health check-up each year, starting from the first year. With the help of these check-ups, you can find health problems early and get the required treatment in the beginning.
- 03
Offers support for senior citizens
Senior citizens can also get coverage for pre-existing illnesses. This helps them with ongoing health issues and medical costs.
- 04
You can take a second opinion in India
If you have a serious illness, you can get a second opinion from another doctor in India. This will make you feel more confident about your treatment.
- 05
Also offers weight-loss surgery cover
Some health insurance plans of ManipalCigna, like Prime Protect and Prime Advantage, cover weight-loss surgery if it is medically needed.
Who Can Buy ManipalCigna Health Insurance?
Before buying ManipalCigna health insurance, you should know these rules:Age limit
The age to start a plan depends on the type of policy you want to buy. For individual plans, the person must be between 18 and 65 years old. In family plans, children can be covered from 91 days old up to 25 years old. Some plans even cover babies from the day they are born. So always check the age rule of the plan you choose.
Policy duration
You can choose how long you want the policy, for 1 year, 2 years, or 3 years. This also depends on the plan you choose for yourself or your family.
Premium payment
You can pay the premium monthly, every 3 months, or once a year, just like your main health policy.
Waiting period
There is a 30-day waiting period before the policy starts covering you. Some illnesses may have a longer waiting time, which depends on the disease.
Medical Tests
You might need to take some medical tests. These tests will depend on the type of plan you select, as these tests will play an important role in deciding your premium.
Benefits of Buying Health Insurance from ManipaCigna
You can choose any hospital room
Most of the plans allow you to choose any type of hospital room. You can choose any room, from a regular single room to a more comfortable suite. The cost is covered as per your plan.
Gives quick claim approval
ManipalCigna approves most cashless claims in just 90 minutes, so that you can get treatment without any delays.
Offers customer service 24/7
Their customer service team is always available for you. You can get assistance anytime and from anywhere without any problem.
Give Tax Benefits
When you buy or renew a ManipalCigna health insurance policy, you can save money on taxes for the premium you pay.
Coverage of pre-existing diseases
After a waiting period, ManipaCigna also covers illnesses that you already had before buying the policy. This is helpful for people who need long-term care.
Extra Covers (Riders) of ManipalCigna Health Insurance Plans
You can make your health insurance plan stronger by adding extra covers called "riders." These give you more protection and benefits. Here are some useful riders that you can choose:
- 01
Critical Illness rider
If you are diagnosed with a serious illness such as a stroke or paralysis, you will get a one-time lump sum amount that helps you with treatment costs.
- 02
Room Rent Waiver rider
This rider lets you stay in a better hospital room (like a private or deluxe room) without paying extra money.
- 03
Top-up rider
If you use up your full insurance amount, this rider gives you extra coverage. It helps you stay protected even when the main plan is used up.
- 04
Personal Accident rider
If you have an accident and get seriously hurt or pass away, this rider gives a lump sum amount to you or your family. It helps with money during a difficult time.
- 05
Ambulance rider
If you need an ambulance during a medical emergency, this rider helps cover the high cost of ambulance services.
- 06
Hospital Cash Rider
When you are in the hospital, you may need extra money for things like food or stay. This rider gives you a fixed amount of money for each day you are hospitalized.
- 07
Maternity Rider
This rider helps cover pregnancy-related costs, including doctor visits before and after delivery, C-section or normal delivery, and care for your newborn baby.
Documents Required to Buy a ManipalCigna Health Insurance Policy
Here are some important documents that you must have before purchasing any health insurance policy from ManipalCigna.Medical reportsProposal formAge proofPAN/ Aadhar cardPassport-sized photographIdentity proofAddress proof
How to Buy ManipalCigna Health Insurance?
Here are some simple steps that you need to follow to buy the best health insurance plan from ManipalCigna:Step 1: Visit the official website of Square Insurance.Step 2: Select your gender and add the family members you want to cover, along with their ages.Step 3: Enter your full name and phone number.Step 4: If you or your family have any current illnesses, mention them.Step 5: Choose a ManipalCigna health insurance plan or click on “Get Free Advice” to get help in choosing one.Step 6: Compare different plans and change the options as needed to find the one that suits you best.Step 7: Pay the premium online or talk to the customer care team if you need help.Step 8: Once done, your policy will be sent to your email.
FAQs
It is a health company established in 2014 by Manipal Group (India) and Cigna (USA). It offers many health insurance plans for people’s medical needs.
It helps pay hospital bills, provides free health check-ups every year, supports senior citizens, covers serious illnesses, and much more. It provides you with a financial safety net for you and your family.
Yes, after 2 years of having the policy, pre-existing illnesses are covered.
Yes! You can add extra covers like critical illness, accident cover, ambulance, maternity, and more to make your plan stronger.
Yes, you can save money on taxes for the premium you pay under this insurance.
Yes, ManipalCigna pays for all the medical tests you need before buying the policy.