Manipal Cigna Health Insurance

Manipal Cigna Health Insurance – Top 10 Plans

Spread the love

Manipal Cigna Health Insurance Company Limited is originated to discuss the needs of the health insurance sector. Manipal Cigna is a joint venture between two sturdy groups Manipal group and the Cigna company. Manipal is a multi-faceted Indian group and Cigna is a global health corporation having its head office in the USA.

The registered office of Manipal Cigna health insurance company is located in the Eastern Goregaon in Mumbai, and the company has a presence in 28 cities in the country. It’s been a tie-up with more than 17 leading NBFC, Manipal Cigna health insurance having a large number of hospital lists, Banks, and Financial institutions to ensure that the best services are offered to its clients.

The company provides a complete package of health insurance schemes covering overall medical expenses and providing health coverage to individuals, families, and groups of employers-employees. Its products are widely available across the country through its various agents and distributors.

Lets, understand the basic details about the Manipal Cigna health insurance brochure, Manipal Cigna health insurance review, and Manipal Cigna health insurance hospital list.

Basic details of Manipal Cigna Health Insurance Plans, Manipal Cigna health insurance review, and Manipal Cigna health insurance hospital list:

1. Manipal Cigna Pro-Health Insurance

Basic coverage: This policy provides the basic coverage of basic hospitalization Manipal Cigna health insurance hospital list, including daycare treatments, pre, and post-entry fees, home remedies, donor expenses, ambulance expenses, and overseas treatments.

Value-added covers: This policy offers health points that can be redeemed during the policy renewal. For this feature check the Manipal Cigna health insurance brochure.

In addition, an expert’s opinion on health checks and serious illnesses, the policyholder may undergo a cumulative bonus booster of 25% every year.

Optional cover: A policyholder can choose the threshold for his claim, get cash benefit at the hospital, maternity wait period less than 48 months to 24 months, and a serious illness add-on cover.

Eligibility

Minimum Entry age:  Kid: 91 days

Adult: 18 years

Maximum Entry age: No limit

Duration of policy: 1-3 years

Sum insured: 2.5 Lakhs-1 Crore

2. Manipal Cigna Super Top-up

        Manipal Cigna health insurance Broucher/Features:

  • The scheme provides an additional cover up to 30 Lakhs at affordable premiums. Manipal Cigna health insurance hospital list.
  • Top-up includes donor expenses, alternative treatment expenses, pre, and post-hospitalization fees, inpatient hospitalization, ambulance covers, and guaranteed cumulative bonuses.
  • Under optional cover, if you opt for a separate policy within the 5th year of the policy, the scheme will provide continuity benefit. It also provides an option to reduce the waiting period from 24-48 months for an already existing disease.
  • The critical illness cover for the policy of 1-2 years is available up to the total sum insured with lump sum benefit.
  • Family relaxation of 10% to cover two members of the family and 7.5% long term rebate is provided for choosing a 2-years policy (10% on a 3-years policy) to cover two members of the family.

Eligibility

Minimum Entry age:  Kid: 91 days

Adult: 18 years

Maximum Entry age: Kid: 23 years

Adult: No limit

Duration of policy: 1-3 years

Waiting period:  30 days

3. Manipal Cigna Lifestyle Protection-Critical Care

  • The policy provides full payment of the sum insured on the first diagnosis of serious illness. If you opt to make the payment for the staggering claim, 10% of the additional sum insured is also provided in the 60% monthly installments.
  • Apart from medical expenses, check the Manipal Cigna health insurance review, Manipal Cigna health insurance brochure, and Manipal Cigna health insurance hospital list.

The scheme allows one-second medical opinion to access customized health and welfare programs through specialized instruments.

  • You have a choice to renew a policy within 1-3 years.
  • In addition to family and long term policy exemptions,

If you purchased a policy directly from the company you will get a 10% discount.

  • If it is purchased through a workplace marketing channel, then also there will be a 10% discount.

Eligibility

Entry age: 18-65 years

Duration of the period: 1-3 years

Types of cover: Basic: 15 critical  illness

 Enhanced: 30 critical illness

Sum insured: 1 Lakhs-25 Crore

Waiting period: 30 days

4. Manipal Cigna Lifestyle Protection-Accident Care

The scheme provides three types of covers for self, spouse, dependent siblings, dependent parents, dependent children, and parents along with the benefits listed below:

 Plan A: Original cover
  • Death by accident
  • Emergency ambulance cover
  • Funeral expenses
Plan B: Enhanced cover
  • All benefits of Plan A
  • Permanent total disability
  • Education fund
 Plan C: Comprehensive cover
  • All benefits of Plan B
  • Permanent partial disability
  • Orphan benefits
  • Loss of employment
  • If accidental death or permanent total disability arises while traveling as a passenger paying rent to the normal carrier, 200% of the sum insured will be paid as a claim.
  • If the policyholder loses his job due to an accident or some disability, the company itself pays the basic monthly income for 3 months.

Eligibility

Entry age:

       Minimum:  Kid: 5years

Adult: 18 years

Maximum:  Kid: 25 years

Adult: 80 years

Duration of policy: 1-3 years

Sum insured: 50,000-10 Crore

5. Manipal Cigna Prohealth Select

  • Policy 2 offers available at carriers Plan A and Plan B, with voluntary co-payments to Plan A policyholders, annual health check-up, health maintenance benefits and options for overseas insurance including emergency cover worldwide.
  • The scheme provides an assured benefit, under which the policy can be extended up to 2 years without payment of any additional premium, in case of permanent total disability serious illness.
  • The scheme provides basic cover such as daycare treatment, hospitalization expenses, and donor expenses. It also offers a cumulative bonus of 5% and only added options like healthy reward points which can be redeemed.

Eligibility

Entry age: 

Minimum:  Kid: 91 days

Adult: 18 years

Maximum: 65 years

Duration of policy:  1-3 years

Sum insured: 3 Lakhs-25 Lakhs

6. Manipal Cigna Pro-Health Cash

        Manipal Cigna health insurance Broucher/Features:

  • Based on the selected daily cash benefit amount, the scheme provides the following two types of benefits:

Basic Plan

  • Sickness hospital cash benefit
  • Accident hospital cash benefit
  • ICU cash benefits
  • Cover around the world

Enhanced Plan

  • All benefits of Plan A
  • Convalescence (5 times the daily cash benefit)
  • Company profit (50% of daily cash profit)
  • Propitious advantage (10 times that of daily cash benefit)
  • In addition to cash benefits, the policy also extends from Rs. 50,000-25 Lakhs to permanent total disability and accidental death.
  • If medical history is clear, no medical examination is necessary for persons above 55 years of age.

7. Manipal Cigna Global Health Group Policy

       Manipal Cigna health insurance Broucher/Features:

Check the basic details before buys in the insurance like Manipal Cigna health insurance brochure, Manipal Cigna health insurance review, and Manipal Cigna health insurance hospital list. The scheme provides the following benefits to the members of the insured group:

 Base 1:

  • Hospitalized inpatient
  • Private ambulance

 Base 2:

  • Patient spends
  • The scheme covers maternity expenditure, emergency evacuation, repatriation, newborn cover, vision cover, Dharamsala, travel vaccination, supplementary treatment, out of area cover, dental, palliative care, and cancer cover, etc.
  • As a group insurance policy, it provides quality health insurance with easy access across the worldwide with the access of the secure member website www.cignaenvoice.com for support to the end in the worldwide.

Eligibility

Entry fees:  Minimum:  Kid: 1 day

Adult: 18 years

Minimum number of members: 7

Duration of policy: 1 year

Sum insured: 5000

8. Manipal Cigna Protection Group Policy

         Manipal Cigna health insurance brochure/Features:

The group has the option to adapt the policy to its members according to their financial needs. The following options can be clubbed together or selected individually:

  • Group personal accident
  • Group critical fight only
  • Optional cover under personal   accident
  • Alternate cover under critical illness

Under a group accident option, the company pays in lump-sum for accidental death, permanent total, partial, and temporary disability.
Under the group’s critical illness scheme, the company pays a lump sum if one among the 36 listed critical diseases is diagnosed in an individual.

Eligibility

Entry age: 18-75 years

Minimum number of members:  7

Duration of policy: 1 year

Sum insured:  10,000-25 Crore

9. Manipal Cigna Prohealth Group Insurance Policy

        Manipal Cigna health insurance brochure/Features:

  • The scheme provides a basic cover for all hospitalization expenses such as daycare expenses, expenses before and after admission, road ambulance cover, domicile hospitalization, and organ transplantation.
  • Under optional cover, the company doesn’t provide undercover for maternity benefit, nascent medical expenses cover, out-patient treatment expenses, daily hospital cash benefit, and certain expenses.
  • Additionally, to the above cover, the scheme also provides access to health and welfare programs that provide expert guidance on health-related matters.

Eligibility

Entry age:   Kid: 1 day- 25 years

Adult:  18 years-75 years

Minimum number of members: 7

Duration of policy: 1 year

Sum insured: 5000-1 Crore

10 Manipal Cigna Group Overseas Travel Insurance Policy

         Manipal Cigna health insurance brochure/Features:

  • The scheme offers the following advantages under the three structures:

Benefits I: Medical expenses to be hospitalized due to injury or illness, such as patient expenses, ICU charges, surgeon’s fees, specialist fees, clinical tests, etc.

Benefit II: This option provides expenses arising out of travel inconvenience due to travel interruptions and cancellations, such as cancellation of ticket bookings due to wise cancellation, bad weather, flight delays, etc.

 Benefit III: Option provides cover against partial disability, temporary disability, permanent disability, and accidental death.

  • In addition to the above-mentioned cover, the policyholder gets alternate benefits such as pre-existing illness, OPD expenses, emergency medical investigations, repatriation of mortal remains, dental treatment, daily allowance, maternity benefit, etc.

Eligibility

Entry age: 18 years-75 years

Minimum number of members: 7

Duration of policy: 1 year

Sum insured: 5000-1 Crore

Also, Read – Iffco Tokio Health Insurance – Top Insurance Plankey features

How to buy Manipal Cigna Health Insurance and basic things to keep in mind before buying health insurance?

Before buying an insurance policy once go through the Manipal Cigna health insurance brochure, Manipal Cigna health insurance review, and Manipal Cigna health insurance hospital list.

There are two methods available for buying Manipal Cigna Health Insurance are:

Online method:
  • Go to www.policyx.com and click ‘buy now’ under the ‘buy instant’ section, at the bottom of the web page.
  • A click Manipal Cigna plan that you want to purchase and click the ‘Direct URL’ or policy URL, It will open a new age were you able to find all the details of the plan.
  • Fill the online form after that premium will be generated.
  • On the payment page, pay and the Manipal Cigna health insurance policy are going to be emailed to you.
Offline method:

Visit your nearest Manipal Cigna insurance office, ask the representative and explain your needs to him and ask them to give the all-important details about the Manipal Cigna health insurance brochure, Manipal Cigna health insurance hospital list, and Manipal Cigna health insurance reviews. After that choose the plan which will recommend. Submit and pay documents requested by the company. A soft copy of policy document will be sent within 48 HRS, and a hard copy will be sent within 15 days.

Cashless process
  • Contact toll-free number 3 days prior to cashless treatment, and contact within 24 hours during emergency hospitalization.
  • Give health card and id proof at a network hospital.
  • The network hospital sends out pre-authorization forms to Manipal Cigna, which then authorizes the form if all the details are correct.
  • During discharge, the network hospital will send a discharge summary to the network hospital authorizing the amount.
  • After completion of all procedures, Manipal Cigna will pay to the network hospital.
Reimbursement process
  • Call toll free number 3 days before hospitalization, and get in touch within 24 hours during emergency hospitalization.
  • During discharge, submit all necessary documents like original hospital bills, receipts, discharge summary, inquiry report, pharmacy bill, and submit the same to Manipal Cigna along with the claim document.
  • Manipal Cigna will assess the documents and will decide whether to simply accept or reject the claim.
  • The amount is going to be reimbursed through DD/cheque or NEFT. If the claim is approved.
How to renew your Manipal Cigna health insurance policy?
  • Go to www.policyx.com and click renew, at the bottom of the webpage.
  • On the subsequent page, select the health category and enter your personal details.
  • Choose the health plan you’d like to renew and you’ll be taken to Manipal Cigna’s website for online payment.
  • Pay the premium you’ve got generated and therefore the Manipal Cigna health insurance policy document is going to be emailed to you.

Conclusion

In the above article, you may easily understand all about the Manipal Cigna health insurance policy. Before buying any health insurance policy thoroughly go through the Manipal Cigna health insurance brochure, check the reviews on the website of Manipal Cigna health insurance review, and at the last check panel hospital of Manipal Cigna health insurance hospital list.

1 thought on “Manipal Cigna Health Insurance – Top 10 Plans”

  1. Pingback: HDFC ergo health insurance VS Religare health insurance - insuranceguideinfo.com

Leave a Comment

Your email address will not be published. Required fields are marked *