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Health Insurance Expert, with Global Experience and Local Expertise

Manipal Group is India’s Second Largest healthcare chain. Manipal owns and operates 27 patient friendly hospitals across 15 cities with 7600+ beds and a pool of 4000+ doctors.

Cigna is a Global Healthcare service company with roots as deep as 225+ years. Cigna has sales capability in 30+ countries and jurisdictions. Cigna has 1 Million + relationships with healthcare providers, clinics and facilities.

Our Health Insurance Experts Will Guide You

Are you looking for the perfect health insurance plan that suits your needs? With the myriad of options available in the market today, finding the best health insurance policy can be a daunting task. But fret not! ManipalCigna Health Insurance is here to simplify your search and provide expert guidance tailored just for you

As a leading health insurance company, ManipalCigna understands that each individual has unique healthcare requirements. That's why we offer a wide range of health insurance plans to cater to diverse needs. Whether you're looking for critical illness cover, hospitalization cover, personal accident cover, group insurance, OPD coverage or more, we have you covered. Our comprehensive plans are designed to provide financial security and peace of mind for you and your loved ones with during medical emergencies.

So, how do you navigate through the maze of health insurance policies and select the one that's best for you? That's where our team of health insurance experts comes in. By filling in your details above, you can request a call back from our knowledgeable professionals, who will guide you through the entire process.

Why Should You Consult Our Health Insurance Expert?

Our experts possess in-depth knowledge of the industry and can provide you with valuable insights to make an informed decision. They stay updated with the latest regulations in the health insurance landscape, ensuring that you receive the most up-to-date and relevant information. With their expertise, you can be confident that you're making the right choice for yourself and your family.

When you fill in your details and request a callback, our health insurance experts will reach out to you as soon as possible. They will patiently listen to your requirements, understand your budget, and analyse your health history to recommend the most suitable health insurance plans. They will take into consideration factors such as coverage, premium affordability, network hospitals, claim settlement process, and additional riders to customise a plan that aligns perfectly with your needs.

Not only will our experts provide you with personalised advice, but they will also assist you in understanding the intricacies of health insurance jargon. They will explain the terms and conditions, the coverage limits, waiting periods, and any other details that may seem confusing to you. Their aim is to empower you with the knowledge necessary to make a well-informed decision.

Health Insurance Policies By ManipalCigna

Individual Health Insurance: Individual health insurance is designed to cover medical expenses and hospitalization costs for a single insured person. It offers financial protection against unexpected illnesses, injuries, and medical treatments. The policyholder pays a premium, and in return, the insurance company provides coverage for various healthcare services.

Family Health Insurance: Family health insurance by ManipalCigna extends coverage to the entire family, including the primary policyholder, spouse, children, and sometimes dependent parents. It provides the convenience of a single policy covering multiple family members. The sum insured can be shared among all members or be available on an individual basis for each family member.

ManipalCigna offers health insurance plans designed to cater to various life stages, providing comprehensive coverage tailored to your individual needs. Whether you are a young adult starting your careers or if you are a retiree seeking peace of mind, ManipalCigna's plans adapt to different milestones in your life.

Senior Citizen Health Insurance: Senior citizen health insurance is specifically designed to cater to the healthcare needs of elderly individuals above 56 years of age. As seniors are more prone to age-related health issues, these policies provide coverage for ailments that are more common in this age group.

Critical Illness Insurance: Critical illness insurance offers financial protection by paying a lump sum amount upon diagnosis of specified critical illnesses. These illnesses typically include major diseases like cancer, heart attack, stroke, kidney failure, organ transplant, and others listed in the policy. Under this full payout plan, the insured receives the entire lump sum amount, which can be used to cover medical expenses and recuperation costs.

Personal Accident Insurance: Personal accident insurance provides coverage in the event of accidental injuries, disability, or death caused by accidents. This full payout policy offers complete compensation of the insured amount based on the nature of the injury or disability. It can include coverage for accidental death, total or partial disability, and reimbursement for medical expenses arising from accidents.

Hospitalization Health Insurance: Hospitalization health insurance protects individuals and families against medical expenses arising from hospital stays. These plans provide coverage for inpatient treatments, surgeries, room charges, medical tests, doctor consultations, and other related expenses during hospitalization. Under this indemnity policy, a portion of the eligible medical expenses, as incurred during the hospitalization, will be settled by ManipalCigna. With a wide network of hospitals, ManipalCigna ensures that policyholders could access quality healthcare services without financial strain, giving them peace of mind during challenging times.

Daily Hospital Cash Plan: This plan typically provides a fixed daily cash benefit for each day of hospitalization due to an illness or injury covered by the policy. The insured receives the cash benefit in addition to the regular medical expenses coverage. This additional cash benefit can be used to manage non-medical expenses or any incidental costs during the hospital stay.

Health Insurance Policy Riders by ManipalCigna

Maternity Rider: Maternity Rider provides coverage for pregnancy-related expenses, childbirth, and postnatal care. It may include pre-natal consultations, hospitalization costs for delivery (normal or caesarean), and post-delivery medical care for both the mother and the newborn. Some policies may have a waiting period before maternity benefits become applicable.

OPD Rider: The OPD rider provides coverage for outpatient expenses, including consultations with doctors, air ambulance, diagnostic tests, medications, and other medical treatments that do not require hospitalization. This rider aims to extend the scope of coverage and provide policyholders with comprehensive protection for both inpatient and outpatient healthcare needs, enhancing the overall benefits of their health insurance policy.

Claim Settlement Process

ManipalCigna offers two types of claim settlement process – Reimbursement and Cashless. The cashless claim settlement process in health insurance typically involves the following steps:

Choose a Network Hospital: ManipalCigna Health Insurance usually has a network of hospitals with which they have a tie-up. When you need medical treatment, try to visit a hospital that is part of their network to avail of cashless services.

Show Your Health Card: At the network hospital's reception or helpdesk, show your ManipalCigna Health Insurance card. This card contains essential information about your policy and will be required for the cashless claim process.

Pre-Authorization: The hospital's insurance desk will assist you in filling out a pre-authorization form. This form contains details about your treatment and estimated expenses. The hospital will then send this form to ManipalCigna for review.

Claim Review: ManipalCigna's team will assess the pre-authorization request to determine whether the treatment is covered under your policy and if the expenses are reasonable and necessary. Once approved, the insurer will issue a pre-authorization letter to the hospital.

Cashless Treatment: With the pre-authorization letter in hand, you can receive the required medical treatment at the hospital without having to pay for the covered expenses out of your pocket. The hospital will bill the insurer directly, and you will only be responsible for any non-covered or additional expenses.

Final Settlement: After the completion of the treatment, the hospital will submit the final bills and medical reports to ManipalCigna for a final settlement. Any deductible, co-payment, or non-covered expenses will need to be paid by the policyholder directly to the hospital.

It is important to note that while cashless claim settlement is a convenient process, it is subject to the terms and conditions of your health insurance policy. Some treatments, procedures, or expenses may not be covered or may require additional documentation for approval.


While it is not mandatory to consult an expert, it is highly recommended. Health insurance experts possess comprehensive knowledge of the industry, including the latest trends and regulations. They can help you navigate through the options, understand the policy terms, and identify the best health insurance plan which meets your specific needs. Consulting an expert ensures that you make an informed decision and choose a policy that provides optimal coverage. 

 Absolutely! Our experts are trained professionals who can provide personalised advice tailored to your unique circumstances. They will take the time to understand your requirements and preferences, analyse your medical history, and recommend the most appropriate health insurance plan that offers comprehensive coverage and aligns with your budget.

Understanding the complexities of insurance policies can be challenging. Our experts will simplify these concepts for you, ensuring that you have a clear understanding of the policy details and enabling you to make informed decisions.

To obtain a health insurance quote, simply fill in your details in the form above. Our health insurance experts will evaluate your information and provide you with a customised quote based on your requirements. This quote will give you an estimate of the premium and coverage offered by the selected health insurance plan.

Yes, we offer the convenience of buying health insurance online. Once our experts have provided guidance and you have selected the most suitable plan, you can easily purchase it through our user-friendly online platform.