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 : ₹ 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 6500+ hospitals

Guaranteed cumulative bonus up to 200% of SI

Tax saving benefits under Sec 80D, IT Act

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UIN: MCIHLIP21546V052021
Launch Date: 12-11-2020

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

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UIN: MCIHLIP21559V012021
Launch Date: 15-01-2021

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

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UIN: MCIHLIP21129V022021
Launch Date: 08-10-2020

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 6500+ hospitals

Option to choose any room category

All Day Care treatments covered

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UIN: MCIHLIP21121V022021
Launch Date: 01-10-2020

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

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UIN: MCIHLIP20156V011920
Launch Date: 01-05-2021

Sum Insured : Up To ₹ 5 Lacs

Standard health insurance plan for Coronavirus disease

Best suited for

Individual

Family

Multi Individual

Key Benefits

Affordable all India coverage for Coronavirus

Hospital to Home care treatment up to Sum Insured

Discount for health care workers

Option to choose Hospital daily cash

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UIN: MCIHLIP21070V012021
Launch Date: 10-07-2020

Sum Insured : Up To ₹ 2.5 lacs

Covid standard benefit based health policy

Best suited for

Individual

Multi Individual

Key Benefits

Lump sum Benefit

All India Coverage

Affordable premium

No PPMC required

Sum Insured starting from ₹ 50000

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UIN: MCIHLIP21139V012021
Launch Date: 14-08-2020

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

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UIN: MCIPAIP21123V022021
Launch Date: 30-10-2020

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

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UIN: MCIPAIP21622V012021
Launch Date: 01-04-2021

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

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UIN: MCIHLIP21125V022021
Launch Date: 30-10-2020

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

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UIN: MCIHLIP21556V042021
Launch Date: 17-03-2021

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

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UIN: MCIHLGP21172V032021
Launch Date: 11-09-2020

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

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UIN: MCIHLGP21247V032021
Launch Date: 01-10-2020

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

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UIN: MCIPAGP21235V032021
Launch Date: 25-09-2020

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

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UIN: CTTTGOP19019V011819
Launch Date: 28-05-2018

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)

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UIN: MCIHLGP20120V011920
Launch Date: 29-06-2020

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

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.

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.

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

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.

  • 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. 
  1. 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. 

  1. 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.

  1. 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.

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.

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.

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.

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.

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.