A partnership between the Manipal Group, a primary provider of healthcare and higher education in India, and Cigna Corporation, a primary provider of health services worldwide, has resulted in ManipalCigna Health Insurance Company Limited. With a strong emphasis on health and wellness, ManipalCigna Health Insurance provides a comprehensive range of insurance solutions to individual customers, employer-employee groups, and non-employer-employee groups to meet their diverse health needs. We understand our customers’ needs and offer a wide range of wellness programs to help them achieve physical, emotional, and financial well-being.
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ManipalCigna Health Insurance Overview
The US-based Cigna Corporation and the Indian multinational Manipal Group established the ManipalCigna Health Insurance Company in 2014. The company is known for providing a wide range of health insurance plans with appealing features and benefits such as the switch-off benefit, premium waiver benefit, and so on. It also provides customized health plans for senior citizens, critical illnesses, and accidents.
In addition to being quick and easy, the ManipalCigna Health Insurance Company’s claims process settles 96% of cashless claims in less than two hours. The insurance company’s incurred claim ratio for 2020–21 was 76.17%, reflecting its stable financial standing and ability to compete in the market.
Why Should You Purchase ManipalCigna Health Insurance?
Here are some of the benefits of purchasing a ManipalCigna health insurance plan:
Any Room Category – Most plans include any room category benefit, which covers the cost of any hospital room of the insured’s choice, whether a single private room or a suite.
Faster Claim Settlements – The ManipalCigna Health Insurance Company boasts that cashless claim requests are approved in 90 minutes.
Customer Support – The insurer’s customer support team is available 24 hours a day, seven days a week.
Tax Breaks – Policyholders can receive tax breaks on premiums paid to purchase or renew a ManipalCigna health insurance policy.
How Do I Make a Claim Under a ManipalCigna Health Insurance Plan?
The following is the procedure for filing a cashless claim under ManipalCigna health insurance plans:
Notify the Insurance Company
Within 24 hours, report your emergency hospitalization to the TPA desk at your network hospital. In the event of planned hospitalization, please notify the TPA desk at least 48 hours in advance.
Showcase Your Documents
- Your documents and pre-authorization form will be submitted to the insurer by the TPA.
- Pre-authorization Request
- The insurer will approve your cashless hospital treatment after careful consideration.
- Obtain approval for cashless transactions
- After your discharge, the TPA will send the hospital bill and other paperwork to the insurance company.
The claim payment will be made directly to the hospital by the insurance provider.
After leaving the hospital and filing a claim for reimbursement, you must pay the total hospital bill yourself and provide the insurance provider with all necessary paperwork. After checking your supporting documentation, the insurer will deposit the claim payment into your bank account.
ManipalCigna Health Insurance Claim Documents Required
Take a look at the list of paperwork needed to file a ManipalCigna health insurance reimbursement claim:
- Completely completed and signed claim form
- Copy of KYC documentation or a photo ID
- summary of the initial hospital discharge
- Authentic pharmacy invoices accompanying the original primary hospital bill
- Bills for implants, stents, lens stickers, etc.
- original investigation reports, such as MRI, CT scans, X-rays, ECGs, etc.
- Letters of consultation with doctors and/or reference forms
- Operation theatre notes
- a duplicate of your PAN card (if the claim amount is above Rs 1 lakh)
- MLC/FIR report (if applicable)
- Authentic canceled check with the name of the policyholder printed on it
How Can I Get Health Insurance Through ManipalCigna?
To purchase a ManipalCigna health insurance plan online, follow the instructions below:
Go to Policybazaar.com and select the ‘health insurance’ symbol as your first action.
- Step 2: Determine who will be insured and their age.
- Step 3: Provide your contact information, including your name, city, and gender.
- Step 4: Determine whether you have a history of illness or injury.
- Step 5: Decide which ManipalCigna health insurance program you want to buy.
- Step 6: Choose any add-ons and pay the premium price.
- Step 7: After receipt of payment, the policy will be issued.
How Do ManipalCigna Health Insurance Policies Get Renewed?
The steps to renew your ManipalCigna health insurance plan online at Policybazaar.com are as follows:
- Step 1: Open the ‘Renew Your Policy’ tab from the menu bar on the homepage.
- Step 2: “Health Renewal” option can be selected from the dropdown menu.
- Step 3: To log in to the account, enter your registered mobile number and OTP.
- Step 4: To provide their information, first-time users should click the “health insurance” icon on the homepage.
- Step 5: Choose a ManipalCigna health insurance renewal strategy.
- Step 6: Online payment of the subscription
- Step 7: After the insurer receives the money, your policy will be renewed.