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ManipalCigna Health Insurance Plans

ManipalCigna Health Insurance Company

ManipalCigna Health Insurance

One of the recent entrants in the steadily growing insurance sector of India, ManipalCigna Health Insurance Company Limited is a private firm. It was established in the year 2012 as a joint business between a global insurance company and an Indian company. Following approval from Insurance Regulatory and Development Authority of India (IRDA), the company’s services took-off in the year 2014.

Cigna Corporation, an American company, has a huge presence in the insurance market. It brings its expertise to the table and holds 26% of the stocks inManipalCigna Health Insurance. The TTK group holds the rest of the stocks and its knowledge of the Indian market is an asset to the health insurance company.

The company operates with the mission, ‘improve the health, well-being and sense of security for the customers’. ManipalCigna is utilising technology and other resources to provide the finest and personalised customer service in India. It is already being recognised by organisations, and it won the ‘Economic Times Best Promising Brands 2015’ award.

With innovative products and great services, ManipalCigna Health Insurance Company Limited is all set to become one of the leading Indian insurance firms.

Key Advantages and Features

The company has come up with great products for the Indian customers. There is a wide range of plans available; from individuals, families, senior citizens, groups to expecting mothers, ManipalCigna has it covered. You can know all about these policies from their informative official website or call ManipalCigna customer care if you have queries.

Common Features The Company Provides

  • Comprehensive healthcare plans for minimum premium
  • Over 4500 hospitals are included in the ManipalCigna Health Insurance hospital list
  • Free comprehensive health check-ups for insured people after specific intervals
  • Treatment expenses before and after hospitalisation are covered for a certain number of days
  • Customers can avail lifelong renewal of the insurance plans already in place
  • There is no limit on the hospital room rent
  • Customers can useManipalCigna Health Insurance login to perform various functions
  • You can gain benefits like health tools, wellness podcasts, offers, etc. from the official website
  • As a customer of ManipalCigna Health Insurance, you are eligible for income tax deductions
  • The company has offices in all the major cities of India though it is headquartered in Mumbai
  • ManipalCigna online payment option available for all


ManipalCignaProHealth - comprehensive plan for individuals and families available in 5 variations.

Entry Age :

  • Minimum– 91 days for children and 18 years for adults
  • Maximum– no limit

Sum Assured (in Rupees)

  • ProHealth Protect – 2.5, 3.5, 4.5, 5.5, 7.5 or 10 lakhs
  • ProHealth Plus – 4.5, 5.5, 7.5 or 10 lakhs
  • ProHealth Preferred – 15, 30, 50 lakhs
  • ProHealth Premier – 100 lakhs
  • ProHealth Accumulate – 5.5, 7.5, 10, 15, 20, 25 lakhs

Additional info

  • Policy term can be 1, 2 or 3 years
  • Discount available on premium subject to conditions
  • Medical test required if age is more than 46


  • Expenses incurred 60 days pre-hospitalisation, and 90/180 days post-hospitalisation are covered
  • Ambulance charges covered up to Rs.2000
  • Health management benefit of a certain sum per year for consultation and tests
  • Expenses due to pre-existing diseases covered after 2 or 4 years depending on the variant
  • 100% restoration of sum assured in the same year if expenses exceed the sum
  • No-claim bonus of each claim-free year is cumulative
  • Maternity and newborn expenses are covered in the ProHealthPremier plan

Extra benefits

  • Critical illness add-on cover can be bought for people
  • between 18 and 65 years of age

ManipalCignaLifestyle Protection

Critical Care – a plan for preparing for the future in care you suffer from a critical illness

Entry age

  • Minimum– 18 years
  • Maximum– 65 years

Sum assured (in Rupees)

  • Earning member – maximum ten times the annual income
  • Non-earning spouse – 60% of the sum insured
  • Other dependents – 30% of the sum insured


  • More than 30 critical illnesses covered including Parkinson’s disease, multiple sclerosis and cancer
  • Second medical opinion on the diagnosis from one of the network hospitals is covered
  • Customers can access the company’s online wellness programs like health risk management and nutrition program

Extra benefits

  • 10% discount in premium for registering more than two members of a family under the same policy
  • Policy will continue for remaining members even if claim has already been paid for one member

Additional info

  • Sum assured paid can be as a lump sum or staggered
  • Pre-existing diseases are not included in the covers

ManipalCigna Lifestyle Protection

Accident Care – coverage provided for expenses in case of serious injuries, death and permanent disability

Entry age

  • Minimum–5 years for children and 18 years for adults
  • Maximum – 25 years for children and 80 years for adults

Sum assured (in Rupees)

  • Between 50 thousand and ten crores depending on the customer
  • Maximum ten times the annual income


  • Policy can be bought in 3 variants, i.e. basic cover, enhanced cover and comprehensive cover
  • Basic plan covers ambulance charges, accidental death and funeral expenses only
  • Permanent total disablement and education fund are included in the enhanced plan
  • The extra covers of the comprehensive plan are partial disablement, orphan benefit and loss of employment benefit

Extra benefits

  • Optional add-ons available are coma benefit, burns and broken bones benefit and temporary disablement

Additional info

  • Dependent in-laws and siblings can also be covered in the same plan
  • Medical tests are necessary for person in the age group 70 – 80 years