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A truly complete health insurance solution — offering you an essential shield, infinite power, and instant peace is now the Product of the Year 2025 (Winner Health Insurance Category. Survey of 1800 people by NielsenIQ across categories.)
Best suited for
Individual
Family
Multi Individual
A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
A health insurance that lasts for a lifetime
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
Design your own health plan and pay for what you choose. Customise your plan according to your needs with ProHealth Select and reassure your future
The added boost that keeps you covered above and beyond your health plan.
Affordable standard health insurance plan
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
A plan that assures financial support and provides a safety cushion for a bettertomorrow by providing complete protection, on and off the job, including death, disability, loss of job and financial protection.
Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
A daily cash plan to financially aid hospitalization expenses
Every Detail Matters To Your Health
Employer-Employee Group
Non Employer-Employee Groups/ Association/ Institution/Society
Every Detail Matters For Global Protection
Non Employer- Employee Groups/Association/ Institution/Society
Check Detail to Secure Each Member's Lifestyle
Non Employer-Employee Groups/Association/ Institution/Society
Check Details To Secure Overseas Travel
Our All in One Plan to keep you healthy always
Comprehensive health cover a necessity: Priya Deshmukh Gilbile, Chief Operating Officer, ManipalCigna Health Insurance
People are proactively looking to increase their coverage and comprehensive health insurance has become a necessity, along with EMI and loss of pay cover which are some of the health emergency covers that might come up as we move forward, says Priya Deshmukh Gilbile, chief operating officer, ManipalCigna Health Insurance in an interview to Saikat Neogi. Excerpts:
With Covid-19 pandemic, are people increasingly looking at a comprehensive health insurance plan? Against the Covid-19 backdrop, priorities have changed completely as consumers are more concerned about job loss, recession, financial security as well as health and well-being. Over the last several months, there is an increase in awareness among consumers about buying health insurance policies. Health insurance is a living benefit product and there is a shift happening in the mindset of the consumers. In the hierarchy of needs, health has claimed a primary position. People are proactively looking to increase their coverage and comprehensive health insurance has become a necessity, along with EMI and loss of pay cover which are some of the health emergency covers that might come up as we move forward. While family floater was a great thing at that point of time, in today’s environment comprehensive individual cover with higher sum insured and Super Top Up is more relevant.
Do you see a preference for online purchase of health insurance? How can they buy the right product online? The pandemic has led to digital acceleration and social distancing is making customers adapt to online purchase and service. Agents and other distribution teams are also adopting digital methods of marketing, sales and service. This has presented an opportunity for change of business models, from traditional face-to-face to phygital models. More informed customers are expected to buy online and customisation of products with co-creation facility with smooth customer onboarding and servicing can help drive penetration.
Before buying the right insurance product, it is important to assess the size of cover needed, and choose a plan after considering what is covered, not covered, exclusion, specific waiting period, PED condition. Besides, look for inflation adjusted Sum Insured, disease-wise sub limits, room rent and ICU sub limits, restoration benefits, ease of claim process (cashless & reimbursement). And lastly, additional benefits such as cumulative bonus booster, rewards for a healthy lifestyle amongst several others.
What kind of innovation is required in health insurance? We have to re-imagine to make health insurance relevant for the customer yet sustainable. We will also need to ensure that we continue to drive affordability, predictability and simplicity in health insurance by focusing on; making it affordable —value-based affordability and not always price-based; making it predictable—take surprise out of the system during the time of claims, digitalise claims to drive transparency and help people make informed health care choices. And finally making it easier for the people to get the quality health care they need, make products simple to understand yet be comprehensive as per the customers evolving needs.
How would the WeCare infectious disease management programme help your policyholders? Keeping in line with our commitment of doing more for customers in times of illness and wellness, we launched ‘WeCare’, a holistic Infectious Disease Management programme. The primary purpose is to help protect our customers’ health from common infectious diseases and ensure they have access to a knowledge series regarding what is best for their health, when it comes to preparing for and combating a host of infectious diseases. There is a 24×7 doctor helpline for any infectious diseases such as fever, flu, diarrhoea and others with doctor home visits based on our expert advice. Further, to help customers better understand the state of their health, regular detailed tele-follow-ups are done to check on a patient’s condition, offer advice and provide assistance in hospitalisation if required.
About ManipalCigna Health Insurance Company Limited
ManipalCigna Health Insurance Company Limited (Formerly known as CignaTTK Health Insurance Company Limited) is a joint venture between Manipal Group, an eminent player in the field of healthcare delivery and higher education in India, Cigna Corporation, a global health services company with over 200 years of experience and Indian conglomerate TTK Group. ManipalCigna is headquartered out of Mumbai and has 46 branch offices covering major metros and towns. The company has built a strong multi-distribution network of over 20,000 agents, 250+ major brokers and is present in over 13,000 point of sales locations across the country through its distribution network. ManipalCigna also has tie-ups with 9 leading Banks, over 30 Corporate Agents, NBFCs and MFIs for distributing health insurance solutions and has a network of over 6500 hospitals across cities including tier I, tier II and tier III towns in India. To learn more, visit www.manipalcigna.com
MEDIA CONTACT: Eliza Lobo : 937-259-1626 | eliza.lobo@manipalcigna.com
