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

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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

Guaruanteed cumulative bouns up to 200% of SI

Tax saving benefits under Sec 80D, IT Act

EXPLORE 5 PLANS   SEND ME AN EXPERT  
UIN: CTTHLIP18045V031819
Launch Date: 16-10-2018

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: IRDAI/HLT/CTTK/P-H/V.I/72/2016-17
Launch Date: 12-06-2017

Sum Insured : 3 Lacs - ₹ 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: MCIHLIP20081V011920
Launch Date: 04-12-2019

Sum Insured : Up To ₹ 5 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: 01-04-2020

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

EXPLORE 3 PLANS   SEND ME AN EXPERT  
UIN: IRDA/NL-HLT/CTTK/P-H/V-I/28/14-15
Launch Date: 22-10-2014

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

EXPLORE 2 PLANS   SEND ME AN EXPERT  
UIN: IRDA/NL-HLT/CTTK/P-H/V.I/5/14-15
Launch Date: 25-08-2014

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

EXPLORE 2 PLANS   SEND ME AN EXPERT  
UIN: IRDA/NL-HLT/CTTK/P-H/V.I/70/14-15
Launch Date: 13-10-2015

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: CTTHLGP20018V021920
Launch Date: 28-05-2019

Sum Insured : Up To ₹ 25 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: CTTHLGP18101V021718
Launch Date: 22-12-2017

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)

EXPLORE PLANS   SEND ME AN EXPERT  
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.

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All Category Questions

ManipalCigna Health Insurance

Health insurance is a written contract between you and an insurance company. Health insurance plans help reimburse surgical and medical expenses incurred either by themselves or others insured as a part of their health insurance plan. Health insurance companies come to financial aid during illness or injury. They help to reimburse medical expenses or pay the insured directly on the first diagnosis of an illness.

Having a health insurance policy is important for multiple reasons. People who are insured receive timely medical aid and suffer less financial stress when it comes to paying medical expenses during illness and/or injury. The cost of medical care and hospitalisation is on the rise, and hence having health cover acts as a financial safety net to ensure minimum depletion of lifetimes savings. A mediclaim policy improves access to quicker and faster healthcare with its multiple benefits.

The main purpose of health insurance is to receive timely and effective medical care without straining savings. Health insurance plans offer financial protection owing to increasing medical costs. Health insurance policies cover most medical expenses; some include hospitalisation expenses, daycare procedures, domiciliary expenses and ambulance charges. Here are a few other benefits of having a health insurance plan:
1. Financial cover against medical expenses
2. Financial cover against critical illnesses
3. Cashless claim benefits
4. Additional financial cover in addition to the cover given by employers
5. Tax exemption benefits

 Individual Health Insurance Plan: Individual health insurance plans are designed to cover policyholders against illnesses with cashless hospitalisation and numerous other add-on features. Under this kind of policy, the entire sum insured covers only one individual. Hospitalisation plans make up the most basic health insurance plans, but additional riders (added coverage features) and benefits can be customised according to the individual #39;s needs and the insurers #39; offerings.
 Family Floater Health Insurance Plan: A family floater is a health insurance plan, with the benefits of individual plans, but extends the coverage to the entire family rather than just a single individual. A family floater plan ensures that all family members are covered under a single Mediclaim policy. However, any family member can make a claim. Being covered under a family floater health insurance plan is a smart choice as every family member benefits given that they come under a single large umbrella. The sum insured is generally really high, thus ensuring that everyone is still covered in spite of one of the members making a claim. One single policy makes also makes the management of finances easier than managing multiple individual health insurance plans.
 Critical Illness Plan: A critical illness policy covers the insured against life threatening critical illnesses such as cancer, heart attacks, renal failure etc. Since these specific illnesses are high-risk, they are not usually covered under basic hospitalisation plans and require to be purchased as an additional rider. The benefit of this medical insurance policy is that it provides coverage in the form of a lump-sum amount that is handed over to the policyholder at the time of the first diagnosis. Since these illnesses are long-term, the lump-sum amount can be used for the treatment expenses depending on the policyholder #39;s needs.
 Accident Insurance Plan: Personal Accident Insurance policy provides complete financial protection to the insured members against uncertainties such as accidental death, accidental bodily injuries, and partial/total disabilities, permanent as well as temporary disabilities resulting from an accident. The benefit of this insurance policy is that it can be claimed in the form of a lump-sum amount that is handed over to the policyholder, at the time of the accident occurring. This policy is like a contingency fund, to protect against loss of income and additional costs that may arise as a result of serious accidents.

Financial planners will always look at health insurance as the starting point of all financial plans and goals. After all, illness and injury can strike at any time, and a financial safety-net in the form of a health insurance policy can ensure that heard-earned savings are not depleted. Buying a health insurance plan for yourself and your loved ones with adequate health cover certainly help reduce possible financial stress and burden.

The following features of health insurance plans should help you narrow down on a plan that secures you and your family:
 Study your family health history and learn what kind of health cover is needed
 Check out which indemnity cover suits you and your family
 Study your lifestyle or use a coverage calculator to estimate how much of cover is apt
 Study, in detail, the list of pre-existing ailments which are covered in the health policy
 Check if your health insurance company gives you a co-pay option

You can buy health insurance online in a few simple steps.
 Visit our website and fill in your primary details in the calculator such as your name, age, number of dependents, marital status, and so on. Once done, click on ‘Get Quote’ CTA. 
 You can change the amount of sum assured and the tenure to get different quotes. Once you settle down on a particular quote, you can proceed to buy the one. 
 In the application form, you will be asked to provide all your personal details along with medical history, occupation, etc. You can add riders to the plan as per the need. The health declaration statement must be clear, and all details need to be provided in order to avoid claim rejection in the future. 
 After filling the declaration form, you need to pay the premium amount online. You can do it using your credit/debit card or net banking. 
 Once the payment is successful, you will receive the digital copy of your policy over the registered mail ID. You can also ask for the physical copy if needed. In such a way, you can get online health insurance policy with a hassle-free process.

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