Our Health Insurance Promise
At ManipalCigna Health Insurance, we strive to match your commitment to the health of your family. And our products are designed to honor that. Whatever your life stage and family requirements, we have a solution that will meet all your health care needs
Sum Insured : ₹ 3 Lacs - ₹ 1 Crore
A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
Best suited for
Individual
Family
Multi Individual
Key Benefits
Covers your Non-Medical expenses
Allows you to choose "Any Room" category whether suite or above
Restores your Sum Insured unlimited times incase you are short of coverage for related/unrelated illnesses/injuries
Sum Insured : ₹ 2.5 Lacs - ₹ 1 Crore
A comprehensive hospitalization plan for you and your family
Best suited for
Individual
Family
Multi Individual
Key Benefits
Cashless treatment at 7500+ hospitals
Guaranteed cumulative bonus up to 200% of SI
Tax saving benefits under Sec 80D, IT Act
Sum Insured : ₹ 50 Lacs - ₹ 3 Cr
A health insurance that lasts for a lifetime
Best suited for
Individual
Family
Multi Individual
Key Benefits
Customize as per the changing life stages with optional packages such as Global+ (Global OPD & more), Women+ (specialized package for women) and Health+ (coverage enhancement)
Loyalty discount on premium from 4th Policy year onwards on the applicable premium
Coverage across the globe for Major illnesses including Cancer treatment
Sum Insured : ₹ 0.5 Lac - ₹ 25 Lacs
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
Best suited for
Individual
Family
Multi Individual
Key Benefits
Customizable plan
Reassurance option for premium waiver
Flexible sum insured options
Launch Date: 08-05-2023
Sum Insured : ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Cashless treatment at 7500+ hospitals
Option to choose any room category
All Day Care treatments covered
Sum Insured : Up To ₹ 10 Lacs
Affordable standard health insurance plan
Best suited for
Individual
Family
Multi Individual
Key Benefits
Coverage available for Allopathic & AYUSH treatments
Includes cover for Modern & Advanced Treatments
Affordable all India health coverage
Sum Insured : Up To ₹10 Crore
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,
disability, loss of job and financial protection.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Lump sum payout option
Loss of job covered
Financial protection for dependent child
Sum Insured : Up to ₹25 Crore
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.
Best suited for
Individual
Family
Key Benefits
Comprehensive coverage for Accident Death (AD), Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD) as per chosen plan
Accidental OPD will be covered as a part of Accidental Hospitalization
Flexibility to choose optional covers as per your requirements
Sum Insured : Up to ₹ 5 Lacs
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
Best suited for
Individual
Key Benefits
Coverage available for Allopathic & AYUSH treatments
Includes cover for Modern & Advanced Treatments
Includes Treatment for Cataract
Sum Insured : Up To ₹1 Crore**
Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
Best suited for
Individual
Family
Multi Individual
Key Benefits
Accidental Death Cover
Option to choose coverage for Hospitalisation expenses due to accident
Financial protection for dependent child
Sum Insured : ₹ 1 Lac - ₹ 25 Crore
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.
Best suited for
Individual
Family
Key Benefits
Covers 30 or 15 critical illnesses as per plan.
Access to online Wellness Programs
Lump sum and staggered payout options
Sum Insured : ₹ 500 - 5000 /Day
A daily cash plan to financially aid hospitalization expenses
Best suited for
Individual
Multi Individual
Key Benefits
Coverage up to 180 days per policy year
Access to online Wellness Program
Worldwide cover for illness or injury
Sum Insured : Up To ₹ 1 Crore
Every Detail Matters To Your Health
Best suited for
Employer-Employee Group
Non Employer-Employee Groups/
Association/ Institution/Society
Key Benefits
Flexible, comprehensive and easy healthcare for illness, injury
Choice of Base and Optional covers
Hospital, home care to OPD expenses cover under one plan
Sum Insured : Up To $ 10 Million
Every Detail Matters For Global Protection
Best suited for
Employer-Employee Group
Non Employer- Employee
Groups/Association/ Institution/Society
Key Benefits
Global care for hospitalisation, day care to out-patient treatment
Choice of base and multiple optional covers
Comprehensive health and wellness solutions
Sum Insured : Up To ₹ 50 Crore
Check Detail to Secure Each Member's Lifestyle
Best suited for
Employer-Employee Group
Non Employer-Employee
Groups/Association/ Institution/Society
Key Benefits
Umbrella cover of Group - Personal Accident and/or Critical Illness
Flexibility of Base and Optional covers
Income protection including dependent family cover
Sum Insured : Up To $ 50 Lac
Check Details To Secure Overseas Travel
Best suited for
Employer-Employee Group
Non Employer-Employee
Groups/Association/ Institution/Society
Key Benefits
A completely customizable travel protection solution
Choice of Base and Optional covers
Medical expenses & Travel inconvenience cover in a single plan
Sum Insured : Up To ₹ 5 Crore
Our All in One Plan to keep you healthy always
Best suited for
Employer-Employee Group
Non Employer-Employee
Groups/Association/ Institution/Society
Key Benefits
Flexibility to design a standard base cover to a premium comprehensive packaged solution
Range of covers including Accident, Mediclaim, Surgery, Domestic Travel and Wellness
Choice of Indemnity, Benefit, Regular cash payout (as per cover)
Sum Insured : ₹ 3 Lacs - ₹ 50 Lacs
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.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Coverage from 91st day onwards for Pre-existing diseases
Allows to choose 'Any Room' category, whether suite or above
Restores your Sum insured unlimited times in case you are short of coverage for related/unrelated illnesses/injuries
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna Group Insurance
What is Group Insurance Policy?
A group health insurance plan is a type of health insurance plan providing coverage to a group of people, usually who work in the same organisation. It is beneficial for employees since it protects them against unforeseen accidents and hospitalisation charges. The employer bears partial or whole premium expenses. These plans can also include floater policies which include the employees family as well.
From an employer’s perspective, investing in group health insurance is more affordable than getting individual health insurance plans. Also, it proves to be beneficial during tax reductions hence, working out for the employer and employee. It is a smart investment that makes employees feel safe and included.
How Group Health Insurance Works
A group health insurance plan offers coverage to every individual part of the group for whom the policy has been purchased. The terms and conditions mentioned are the same to all individuals covered under this health insurance plan. It covers the cost of unforeseen accidents, hospitalization charges and medical bills. But not all group health insurance plans are the same. There is a lot of customisation involved, keeping in mind the health requirements of the individuals, financial viability, etc. Some group insurance for employees is extended to include their family members too.
Why Choose ManipalCigna Group Health Insurance Plans
ManipalCigna Prohealth Group Insurance Policy offers employers and employees a wide range of product features designed to match various needs and requirements while providing a complete health insurance solution. Here are some reasons why you should choose ManipalCigna ProHealth Group Insurance Policy:
- Restoration of the sum insured
- Worldwide emergency cover
- Inpatient hospitalisation cover including AYUSH treatment
- Tax benefit under Section 80D
- No room rent capping
- Deductible option
What’s Not Covered?
Things like dental care, pregnancy-related treatments, bariatric surgery, etc. do not get covered under the base plan of the group health insurance. More optional covers are considered and included depending on the group of people the policy is being taken for.
Benefits of Group Health Insurance
- It results in a happy workplace environment since it creates a sense of inclusion and consideration. Employees tend to work better when they know that their employer values them.
- Since it is an insurance policy purchased for a large group of people, more coverage is offered at a lower price.
- Getting a group health insurance policy secures employees from serious health conditions and illnesses. Many employees are unable to get individual health insurances due to high premium amounts and other reasons. A group health insurance policy provides them with much-needed security.
- Getting group health insurance comes with some great tax incentives. Businesses that partly or wholly take care of the premiums, can be compensated for the money they are paying and get a credit back on their taxes.
- Mental well-being = increased productivity. Factors such as stress and financial strain can affect the mental health of an employee. Knowing that the employee has invested in a group health insurance plan that safeguards the health interests of employees, it can reduce the strain on mental health and increase productivity in a stress-free environment.
FAQs on ManipalCigna Group Health Insurance Plans
- Who can buy ManipalCigna Group Health Insurance Policy?
The ManipalCigna Group Health Insurance Policy can be purchased for and by any group/association/institution/corporate body provided it has a central administration. However, a minimum of seven people have to be part of the group.
- Are medical expenses covered before and after hospitalization?
The insured individual(s) will be reimbursed for medical expenses incurred for pre and/or post hospitalization. Base cover of the group health insurance plan provides 30 days pre-hospitalization and 60 days post-hospitalization benefit. However, you have the option to extend this coverage as follows:
- 60 days before hospitalization and 90 days post hospitalization
- 90 days before hospitalization and 180 days post hospitalization.
- What do you mean by cashless hospitalization?
In cashless hospitalization, the insured patient does not need to pay from his/her pocket while being hospitalized. All medical expenses incurred will be directly settled by the insurance company. Cashless facility is only available at network hospitals wherein bills will get settled by ManipalCigna.
For a detailed list of FAQs, click here.
Who can take a Group Health Insurance?
A Group Insurance plan is a type of health insurance plan that covers a group of people who work in the same organisation. This is a benefit for the employees since it protects them against unforeseen accidents, and the employer bears the premium.
What are the benefits of Group Insurance plans?
Some of the benefits of getting group health insurance are - (a) Better coverage at a more reasonable cost. (b) Enjoys tax benefits. (c) Creates a safe and trusting workplace environment. (d) Increases productivity by easing the stress on employees about getting insurance.
Is Maternity benefit covered under a Group Health Insurance?
Yes, you can avail maternity benefits under group health insurance plans. It is not part of the base cover but can be included as per the need of the group. Note that maternity benefits at ManipalCigna cover delivery expenses, medical expenses, and lawful termination of pregnancy.
Can I cover my children and spouse under a Group Insurance plan?
Yes, you can cover your family residing in India under the group medical insurance policy. The insurance policy covers relationships of spouse, parents and in-laws between 18 to 75 years. Also includes dependent unmarried children, grandchildren and siblings between the ages of 5 to 25 years.
Why Choose ManipalCigna Group Insurance Plans?
The ManipalCigna Group Health Insurance plan is designed to provide medical coverage to members of a group (minimum 7 members) in the event of hospitalization due to an illness or injury. It offers a detailed protection plan with base covers and a range of multiple options to choose as per the requirements of the group.