Glossary beginning with O


Open Access Network

Implies ability to get advice from a specialist without being referred to by a doctor or physician. You do not need a referral from your Doctor to see a specialist within the Insurance network hospitals.

Out of network/Non-network

A Hospital that doesn't have a tie up with ManipalCigna Health Insurance. Cashless features of the policy would not work in hospitals which are out of network.

Out-Of Plan

Benefits or privileges which are not included in the insurance plan.


Payment which policy holders make on their own.


A person who is not hospitalized for more than 24 hours or who has an appointment with a health care professional for a consultation.