Insurance Claim Process

Follow these easy steps to place an insurance claim with ManipalCigna Health Insurance


A claim request is made to ManipalCigna Health Insurance if you have availed any insurance related services. The insurance could have been for medical expenses, hospitalization, or any such treatment.

Claims and Reimbursement


Contact Toll free Healthline  1800-102-4462 

Before you seek medical treatment we request that you contact us 3 days in advance. This will allow our claims service associate to help you follow the next few steps.

In case of emergency, you can contact us within 24 hours of admission to the hospital.


Avail treatment at the hospital

You can avail treatment at hospital and settle all hospitalization expenses. Collect original hospital bill, receipts, discharge summary, investigation reports, pharmacy bills and other documents from hospital at the time of discharge from hospital.


Submit the claim documents

You have to download the claim form from our website Copy of this form is also included in the policy kit provided to you. Alternatively, you can contact your Health advisor or visit nearest ManipalCigna Health Insurance branch. Submit the claim documents at nearest ManipalCigna Health Insurance branch or Corporate office. The documents should be submitted within 15 days from discharge from the hospital.


We assess the claim

Wherever the information provided in the claim documents is sufficient to ascertain the admissibility of claim, we will approve the claim. Wherever additional information or documents are required we will call for the same from you and upon satisfactory receipt of last necessary documents the claim will be settled by us.


Updates from Claims Service Associate

If such a service is requested by you, our claims service associate helps you navigate through the paper work and forms.


Settlement of claim

Upon approval of claim by us, payment of the reimbursement claim will be made to the policy holder either through EFT or through cheque/DD.