Manipal Cigna Insurance

ManipalCigna is a renowned name in the health insurance space. The company is a joint venture between the U.S. based global health services leader, Cigna Corporation and Indian conglomerate, Manipal Group. ManipalCigna has also introduced Cigna Global Health Product (CGHP), a unique group health insurance product that offers coverage for Indian employees travelling across the globe.

The Company which stared its operations in 2014, claimed to be optimistic about Rs. 400 crore as premium in FY 2017. The company’s total premium stood at Rs. 144 crore in the previous fiscal year i.e. FY 2015-16. Claims Ratio for Financial Year 2017-18 is 46.29%

ManipalCigna General Health Insurance Policy

ManipalCigna’s General Health Insurance policies can be categorised according to individual needs and requirements of policy holders. The company offers the following health insurance plans-

• ProHealth Protect Plan: This is a comprehensive health insurance plan that covers all your medical needs and offers a sum assured of Rs. 2.5 Lakhs, Rs. 3.5 Lakhs, 4.5 Lakhs, 5.5 Lakhs, 7.5 lakhs or 10 lakhs. This plan covers pre and post hospitalisation expenses till up to 60 days and also bears the ambulance cost of Rs. 2000 per hospitalisation. While the minimum entry age is 91 days, there is no limit to the maximum age of the applicant.

• ProHealth Plus Plan: This is an upgraded plan from ProHealth Protect Plan. This plan lets you choose between four sum assured options, namely Rs. 4.5 Lakhs, Rs. 5.5 Lakhs, Rs. 7.5 Lakhs or Rs. 10 Lakhs. Just like ProHealth Protect, this plan also covers pre and post hospitalisation expenses of up to 60 days, but covers post hospitalisation expenses of 180 days. The ambulance charges covered are up to Rs. 3000. There is no maximum age to enter the policy, while the minimum age is 91 days.

• ProHealth Select: This is a comprehensive health insurance plan that provides coverage with the choicest health covers. ProHealth Select provides effective AYUSH coverage up to full sum assured. There is also an extra coverage available with a cumulative bonus Booster of up to 200%. This unique plan also provides a reassurance option of policy extension of 2 years and a total protection with ProActiv Living and reward points.

• ProHealth Cash: With this plan, you get daily hospital cash benefit up to Rs.5000/-, which can be used for non-medical expenses at the time of hospitalization. 2 times daily benefit is offered in case of Accidental Hospitalization plus 3 times daily benefit towards the ICU and worldwide cover. The daily expenditure at the time of hospitalization can be financial burden, this helps you to overcome the burden.

• Lifestyle Protection: Critical Care- This plan by ManipalCigna offers coverage for critical illnesses. Under the basic variant of this plan, you are covered with 15 Critical Illnesses and 30 critical illnesses under an enhanced variant of this plan.

• Lifestyle Protection; Accident Care- Uncertain events are better when at bay but one must be prepared in case of eventualities that may lead you and your family into financial instability. A severe accident can lead to disabilities and/or death. This plan covers you against accidental death, disablement, loss of employment, with education fund & orphan benefit for child.

ManipalCigna General Group Health Insurance Policy

• Global Health Group Policy: Travelling has become a part of life and work. Whether it is a vacation trip or business one, it is important that you stay covered while you are travelling. It gets you covers with domestic and international trip under one umbrella. This cover is available for employees and their dependents, but not parents. ManipalCigna offers Two Plans: Ruby and Diamond with wide range of sum insured Rs. 50 lakh to Rs. 12 crore, wherein you are covered with in-patient hospitalization, day care benefits, out-patient benefits, a cover for AIDS/HIV, etc.

• Lifestyle Protection Group Policy: Usually invested by corporates or business organisations, Lifestyle Protection Group policy protect the health interests of employees of a business under one comprehensive plan. This plan is completely customizable to cater to the requirements of an organisation’s employees which helps the company design the cover according to their needs. This plan provides 24x7 coverage, anywhere in the world and best in class claims and customer service. You may select from a wide range of covers such as:

  • Accidental Death Benefit

  • Permanent Total Disability Benefit

  • Permanent Partial Disability Benefit

  • Temporary Total Disability Benefit

  • Multiple Optional benefits

• ProHealth Group Insurance Policy: A completely customizable plan. This plan can be opted for an individual or as family floater. It gets you cover with in-patient hospitalization, day care treatment, pre and post hospitalization medical expenses, road ambulance cover, domiciliary hospitalization, donor expenses cover. Moreover, with 41 need based optional covers, it offers a completely customizable plan.

• Online Renewal Process at ManipalCigna General Insurance Company: Renewing your ManipalCigna health insurance policy is extremely hassle free. With an online platform available, all you have to do is enter your policy number and DOB of the proposer, and you can renew your insurance policy with just a click. You can make the payment via credit/debit card or through net banking.

• Renew insurance plans provided by other insurers with ManipalCigna General Insurance: You can renew your existing insurance policy with ManipalCigna. However, the same coverage is applicable upon renewal and the renewal must be done before the expiration date of the health insurance policy.