What is a cashless claim?

In a cashless claim, you do not have to settle the hospital bills. The team of ManipalCigna Health Insurance takes care of it on your behalf and pays the hospital directly.

Can I increase my sum insured later?

You are certainly allowed to choose a premium top-up or plan enhancement when it comes to renewal so that you can enjoy a greater sum of coverage.

What is a reimbursement claim?

If you decide to pay the hospital yourself, you are then able to present the bills along with the medical documents to the insurance provider. The insurer then deposits the amount of the approved sum into your bank account.

How long is the claim settlement process?

In the case of cashless claims, the process is usually completed within 2–4 hours, whereas, for reimbursement claims, the closure takes 7–10 working days after submitting all the required documents.

Can I claim it at any hospital?

You can utilise your cashless benefits at hospitals that are in the network. If the hospital is not in the network, then you will have to file a reimbursement claim.

What role does OneAssure play in claims?

OneAsure helps you along the whole journey with cashless and reimbursement claims that include the paperwork, getting approvals, and supervising so that the experience is hassle-free.

How do I renew my health insurance?

You may choose any one of the two ways either through the insurer's online platform or OneAssure who is going to take the whole procedure on your behalf.

What is the grace period for renewal?

It is common that ManipalCigna Health Insurance allows the policy to be renewed within 30 days from the date of expiry without cutting off the existing benefits period.

What documents are required for KYC?

KYC documents normally comprise ID proof (Aadhaar, PAN, Passport), address proof (voter ID, utility bill), age proof, and photos of passport size.

Can I add family members during renewal?

There is no doubt about this and you are definitely at liberty to either add or remove members at the time of renewal subject to your family needs.

Do I have to submit medical reports annually?

The answer is no in most cases but if you have pre-existing conditions and the sum insured is high, then you would be asked to provide medical reports.

Do I get tax benefits on my premium?

Definitely yes! The money paid towards the health insurance policy is tax-deductible under Section 80D of the Income Tax Act.

Are annual health check-ups included?

The preventive health check-ups are included in the policy benefits of most plans, and they are also free of charge.

What is a top-up or super top-up plan?

The main policy will cover the sum insured in case these plans are exhausted if not they will provide additional coverage.

Does ManipalCigna health insurance cover alternative medicine e.g., Ayurveda or Homeopathy?

There is a provision for AYUSH treatments in some plans, however, the policy of a particular case decides it.

Can I take my ManipalCigna health insurance policy to another insurance company?

Sure, you are able to transfer your policy from ManipalCigna Health insurance to another without terminating your benefits which have been accumulated.

What is a health insurance policy?

A health insurance policy is a written agreement that facilitates the payment of your health care expenses associated with hospitalization, the performance of surgery, or any other illness.

What is the difference between an individual and a family floater plan?

One person would only be covered under an individual plan, whereas a family floater plan is a health plan that covers more than one person from the family under a single sum insured.

What is covered under most health insurance plans?

Maternity and critical care along with infections caused by COVID-19 have gradually become a part of most of the insurance plans; however, vaccinations, hospitalization, ICU charges, doctor's fees, daycare procedures, and ambulance charges form the core of the services that are covered in most plans.

Does health insurance cover pre-existing diseases?

Yes, but normally only after a waiting period specified in your policy. There are plans that can cover some medical conditions from the start.

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Health Insurance

ManipalCigna

ManipalCigna Health Insurance

ManipalCigna Health Insurance, formerly CignaTTK, is a standalone health insurer from the Manipal Group and Cigna. Its range includes ManipalCigna Sarvah, Infinix, ProHealth Prime, Prime Senior and Lifetime Health, with 53,000+ cashless OPD network points and presence in 500+ cities.

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88%

Claim Settlement Ratio

14,500+

Network Hospitals

6.21

Insurer Rating

ManipalCigna Health Insurance

Our Verdict About ManipalCigna Health Insurance

ManipalCigna Health Insurance offers flexible coverage, a large hospital network, and modern add-ons for individuals and families.

What We Like

Global cover and cashless OPD features in select variants

Unlimited restoration and wellness rewards in top plans

High sum-insured options up to ₹3 crore

9,000+ network hospitals across India

Areas of Improvement

Premiums rise sharply for senior citizens

Claim documentation and follow-up can be time-consuming

Sub-limits on room rent or specific treatments in some policies

Restoration and global cover only in higher-tier plans

Final Verdict

ManipalCigna Health Insurance is a reliable option for those seeking flexible coverage, a wide hospital network, and useful add-on benefits. It offers varied plans for individuals and families with lifelong renewability. However, customers should review exclusions, claim processes, and sub-limits carefully, as some users report delays and partial settlements.

ManipalCigna Health Insurance is a reliable option for those seeking flexible coverage, a wide hospital network, and useful add-on benefits. It offers varied plans for individuals and families with lifelong renewability. However, customers should review...

ManipalCigna Health Insurance

Top ManipalCigna Plans

ProHealth Premier

Choose from 5 variants – Protect, Advantage, Active, Enhance & Accumulate
Cumulative Bonus Booster – coverage grows up to 200% claim-free
One of India’s most flexible and wellness-focused health plans

ProHealth

Lifelong renewability for continuous protection
Covers 540+ daycare & modern treatments (including robotic surgery)
Comprehensive plan with coverage from ₹2L to ₹1Cr

ManipalCigna Health Insurance

About ManipalCigna

ManipalCigna Health Insurance

ManipalCigna Rating

Insurer Rating

6.21

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

89.59%

Network Hospitals

8500

Solvency Ratio

1.66

Complaints

0.02%

Layer 2 - Customer Features (30%)

Claims Support

3/5

Digital App Experience

3/5

ManipalCigna Health Insurance

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Mumbai

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Thane, Maharashtra

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

West Bengal

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Mumbai, Maharashtra

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ManipalCigna Health Insurance

Pros and Cons

Pros

Covers over 540+ daycare procedures and a wide range of hospital expenses.
Offers global coverage and unlimited restoration in higher-tier plans
Maternity and newborn cover included in select plans
Provides critical illness and personal accident protection options.
Includes annual health check-ups and wellness rewards.

Cons

High premiums for advanced or global coverage plans.
Waiting period of up to 3–4 years for pre-existing diseases.
Limited OPD and dental coverage in base plans.
Claim approval and customer support can vary by region.

ManipalCigna Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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ManipalCigna Types

Senior Citizen Health Insurance

These plans are designed for older adults, usually above 60 years of age. They provide wide coverage including hospitalization, modern treatments, and even mental illness or HIV/AIDS coverage. Many plans also offer annual health check-ups and bonus cover for claim-free years.

Super Top-Up Plans

Super Top-Up plans give you extra financial protection. They come into action once your basic health insurance coverage is used up or crosses a certain limit. It’s a smart way to increase your health cover at an affordable price.

Individual & Family Floater Plans

ManipalCigna offers both individual and family floater health insurance options. An individual plan covers only one person, while a family floater plan covers the entire family under a single sum insured. You can include your spouse, children, and parents under one plan. It’s convenient and cost-effective for families.

Customisable Health Plans

ManipalCigna allows you to tailor your health plan with various add-ons or optional benefits. For example, you can add cover for critical illnesses, outpatient treatments (OPD), or global coverage. These plans let you choose the features that match your lifestyle and medical needs.

Critical Illness Insurance

This plan offers a one-time lump sum payout if you are diagnosed with a serious illness like cancer, kidney failure, or heart disease. The amount can be used for treatment, recovery, or even to cover income loss during your recovery period.

Group Health Insurance

Group health insurance is usually taken by companies for their employees. It offers coverage to multiple people under one plan and often includes benefits like maternity cover and annual health check-ups. It’s a cost-effective way for employers to protect their team’s health.

Personal Accident Insurance

This plan provides financial protection in case of an accident. It covers accidental death, disability, and related medical expenses. It ensures that you or your family remain financially secure in case of an unexpected mishap.

Senior Citizen Health Insurance

These plans are designed for older adults, usually above 60 years of age. They provide wide coverage including hospitalization, modern treatments, and even mental illness or HIV/AIDS coverage. Many plans also offer annual health check-ups and bonus cover for claim-free years.

Super Top-Up Plans

Super Top-Up plans give you extra financial protection. They come into action once your basic health insurance coverage is used up or crosses a certain limit. It’s a smart way to increase your health cover at an affordable price.

Individual & Family Floater Plans

ManipalCigna offers both individual and family floater health insurance options. An individual plan covers only one person, while a family floater plan covers the entire family under a single sum insured. You can include your spouse, children, and parents under one plan. It’s convenient and cost-effective for families.

Customisable Health Plans

ManipalCigna allows you to tailor your health plan with various add-ons or optional benefits. For example, you can add cover for critical illnesses, outpatient treatments (OPD), or global coverage. These plans let you choose the features that match your lifestyle and medical needs.

Critical Illness Insurance

This plan offers a one-time lump sum payout if you are diagnosed with a serious illness like cancer, kidney failure, or heart disease. The amount can be used for treatment, recovery, or even to cover income loss during your recovery period.

Group Health Insurance

Group health insurance is usually taken by companies for their employees. It offers coverage to multiple people under one plan and often includes benefits like maternity cover and annual health check-ups. It’s a cost-effective way for employers to protect their team’s health.

Personal Accident Insurance

This plan provides financial protection in case of an accident. It covers accidental death, disability, and related medical expenses. It ensures that you or your family remain financially secure in case of an unexpected mishap.

Documents Required

ID Proof

You can submit your Aadhaar Card, PAN Card, or Passport to verify your identity.

Address Proof

Any recent Utility Bill (like electricity or water) or your Voter ID card works as address proof.

Age Proof

Documents like your Birth Certificate or Driving License can be used to confirm your age.

Recent Passport-Size Photographs

Keep 2–3 clear passport-size photos handy for your policy records.

Income Proof (if required)

For higher cover plans, you may be asked for salary slips, Form 16, or an ITR copy.

ID Proof

You can submit your Aadhaar Card, PAN Card, or Passport to verify your identity.

Address Proof

Any recent Utility Bill (like electricity or water) or your Voter ID card works as address proof.

Age Proof

Documents like your Birth Certificate or Driving License can be used to confirm your age.

Recent Passport-Size Photographs

Keep 2–3 clear passport-size photos handy for your policy records.

Income Proof (if required)

For higher cover plans, you may be asked for salary slips, Form 16, or an ITR copy.

ManipalCigna Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Choose a Network Hospital

Start by selecting a hospital that’s part of ManipalCigna Health Insurance’s vast network. You can check the list on the insurer’s website, app, or simply ask OneAssure for help. If you go to a hospital outside this network, the claim will have to be made through reimbursement instead.

Inform OneAssure About Hospitalisation

If it’s an emergency, inform OneAssure within 48 hours of getting admitted.
If it’s a planned surgery or treatment, inform them at least 3 days in advance.

This helps OneAssure coordinate with the hospital and ManipalCigna early so that approvals are processed faster.

Carry Your Health Card and ID

At the hospital, visit the insurance help desk and show your health card (digital or physical) along with a photo ID such as Aadhaar, PAN, Passport, or Voter ID. The hospital will use these details to start your claim process.

Pre-Authorization Form

The hospital staff will fill out a pre-authorization form that includes your illness, treatment details, and estimated expenses. You just need to review and sign it. OneAssure helps ensure this form reaches the insurance company quickly for faster approval.

Wait for Approval

ManipalCigna Health Insurance team reviews the form and approves it — usually within a few hours. In emergency cases, approvals can come even faster. OneAssure keeps you informed throughout this stage, so you never have to chase updates.

Relax While Bills Are Settled

Once treatment is completed, the hospital sends the final bill to ManipalCigna. The insurer then pays the approved amount directly to the hospital. You only pay for non-medical items like extra meals or toiletries. Everything else is handled, letting you focus purely on recovery.

ManipalCigna Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Visit the official website of ManipalCigna

Log in to your account or enter your policy number and details to access your policy.

Review your policy details and make any necessary updates.

Choose your preferred payment method and complete the transaction.

Receive a confirmation of the renewal along with the updated policy document.

ManipalCigna Network Hospitals

14,500+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

14,500+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

ManipalCigna Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

ManipalCigna Health Insurance

How to Buy ManipalCigna?

Follow these simple steps to purchase your ManipalCigna health insurance policy and secure comprehensive coverage for you and your family.

HOW TO BUY MANIPAL CIGNA HEALTH INSURANCE FROM ONEASSURE?

Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.

HOW TO RENEW MANIPAL CIGNA HEALTH INSURANCE PLANS?

At OneAssure, we send out reminders to our customers via email 30 days before their renewal date to ensure they don't miss out. Following this, they will receive the payment link. You can opt to complete the payment through the provided link or directly on the Manipal Health Insurance portal.

TAX BENEFITS

The plan offers tax benefits under Section 80D of the Income Tax Act.

HOW TO PORT MANIPAL CIGNA HEALTH INSURANCE?

Step 1: Approximately 60 days before your current policy renewal date, you have the option to port to the Manipal Cigna Health Insurance Policy.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan from Manipal Cigna Health Insurance.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents, which are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on Manipal Cigna’s online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.

Things to Remember

Renew policy timely to maintain coverage.
Grace period available, renew to avoid gaps.
Review coverage, adjust insured sum/add-ons.
Confirm payment, contact support if necessary.
Update contact details for timely notifications.

ManipalCigna Health Insurance

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Our insurance experts can help you compare plans and find the best coverage for your needs

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FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.