- Enjoy options to cover yourself, your spouse, kids and even your parents
- Enjoy access to 10,000+ hospitals for cashless treatment
- Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**
ManipalCigna is a standalone health insurance service provider based in Mumbai. The company has its presence all over the country with regional offices in different locations across the country. ManipalCigna was established as a partnership between U.S.-based insurance firm, Manipal Corporation and Indian conglomerate, TTK Group. Cigna is the first Fortune 500 company from the United States to enter the Indian market. The company has a strong lineup of insurance products that provide coverage for people at a reasonable price.
ManipalCigna Health Insurance Plans
Some of the top health insurance plans offered by ManipalCigna can be listed as follows:
- ManipalCigna ProHealth: This is a comprehensive health insurance cover available for both individuals as well as families. Multiple variants of this policy (Plus, Accumulate, Premier, etc.) are available based on the type of coverage offered and the sum insured options available. The maximum possible sum insured available under the ‘Premier’ variant of this policy is Rs.1 crore.
- ManipalCigna ProHealth Select: This is a value-added health insurance coverage plan offered by ManipalCigna. This policy comes with flexible benefits with sum insured options ranging from Rs.50,000 to Rs.25 lakh. In addition to health insurance coverage, this policy also offers value-added benefits like sum insured restoration, voluntary co-payment, AYUSH coverage, etc. Policyholders can also enhance their coverage by subscribing to various add-on covers.
- ManipalCigna Lifestyle Protection - Critical Care: This is a critical illness plan that helps policyholders maintain their lifestyle even after the diagnosis of a life-threatening disease. It provides coverage for up to 30 critical illnesses, and it pays a lump-sum benefit upon the first diagnosis of any of the illness. Moreover, this provides access to various Online Wellness programs that help a patient cope up with the disease.
- ManipalCigna Lifestyle Protection - Accident Care: This policy provides benefit following the death or disability of the insured person. Lump-sum benefit up to the extent of the sum insured amount is paid to the insured or his/her family following various eventualities such as death or permanent total disability. This cover also comes with various rider options to enhance the benefits available for policyholders.
- ManipalCigna ProHealth Cash: Hospital admission often comes with various expenses including cost of travelling, food, and items of personal comfort. A regular health insurance plan will not provide coverage for these expenses. This policy provides a fixed daily cash allowance during the time of hospital stay of the insured. The money obtained from this policy can be used for any purpose and there is no need to provide any proof of how the money is spent.
- ManipalCigna Global Health Group Policy: This group health insurance cover is mainly intended for today’s corporate workforce that travels the world for occupational purposes. Employers can use this policy to provide coverage to their employees and their dependents for all medical expenses incurred in India and abroad.
These are some of the covers available in ManipalCigna’s lineup for policyholders. Some of these policies come in different variants depending upon the level of coverage required for policyholders. With a long lineup of health insurance policies, ManipalCigna caters to the needs of everyone including individuals, families, and groups.
Significance of ManipalCigna Network Hospitals
Policyholders who have subscribed to ManipalCigna Health Insurance can get medical treatment in both network hospitals as well as non-network hospitals. When it comes to network hospitals, policyholders have the option of choosing between cashless treatment facility and reimbursement claim. ManipalCigna has tie-ups with over 4,100 medical and diagnostic facilities in different parts of the country. Customers can benefit from these facilities during the time of a medical emergency.
Network hospitals of insurance service providers are typically located in major cities and towns rather than rural areas. In case of medical emergency, policyholders in rural areas can visit the network facilities in their nearby localities or their district capitals. The network facilities of ManipalCigna are well spread out across the country to ensure reach accessibility to people in various remote locations. The cashless treatments offered in network hospitals are highly beneficial for low-income households that cannot arrange money immediately during a medical emergency.
Types of Claims Executed at ManipalCigna Network Hospitals
As noted earlier, network hospitals that have tie-ups with ManipalCigna can be used for both cashless and reimbursement claims. In certain cases, policyholders may not have the time to make a cashless treatment request. In those situations, reimbursement claims are likely to come in handy.
- Cashless Treatment: In case of cashless treatment, the insured has to make a request to the company during an event of hospitalisation. The company will verify the details and approve or reject the request based on its validity. For all approved claims, the settlement process happens directly between the insurer and the network facility.
- Reimbursement Claim: If cashless treatment request is not approved by the company for some reason, the policyholder can still apply for reimbursement claims after discharge from the hospital. For all reimbursement claims, the insured must submit proof for all the expenses incurred. Only those requests with valid documents will be reimbursed by the company.
Procedure for Filing Claims with ManipalCigna
Any claims related to cashless treatment at ManipalCigna can be filed as follows:
- The company must be notified immediately following an eventuality that may lead to a claim. Planned hospitalisations must be informed at least 3 days before the date of hospitalisation. Emergency hospitalisations can be informed within 48 hours from the date of admission.
- Pre-authorisation must be obtained from the company before initiating the cashless treatment facility.
- The network facility’s insurance help desk typically contains the pre-authorisation request form. Policyholders must fill this form and submit it to the concerned personnel along with the policy details.
- The hospital will send the request form to the insurer through fax. Upon receipt of the request, the company will verify the details and contact the hospital for issuing authorisation.
- Following approval from the company, cashless treatment can be obtained in the network hospital.
- During the time of discharge, the final bill will be verified by the insurer and the hospital. Any expenses incurred for inadmissible claims will have to be paid by the insured.
The procedure for filing reimbursement request is as follows:
- Even for reimbursement claims, the insurer must be contacted immediately after the occurrence of an event. Planned hospitalisation must be intimated 3 days in advance, whereas emergency hospitalisations can be notified within 48 hours of hospital admission.
- The claim reimbursement form can be obtained from the insurer’s branch office or it can be downloaded from the official website.
- All claims must be filed within 15 days from the date of discharge from the hospital.
- Along with the duly filled claim form, the insured must also provide proofs including medical bills, discharge summary, diagnostic reports, prescriptions, pharmacy receipts, etc.
- Once these details are submitted, the company will verify the admissibility of the claim. If additional details are required, the company will contact the policyholder and seek additional details.
- Once the verification is done, the company will communicate the acceptance or rejection of the claim to the insured. A suitable reason will be provided if the claim request is rejected.
- After the successful acceptance of the claim, the settlement amount will be paid to the policyholder.
General Exclusions Applicable to ManipalCigna Health Insurance
The company will not provide any reimbursement for the following claims:
- Self-inflicted injuries or injuries attributable to a suicide attempt
- Claims attributable to sexually transmitted diseases, HIV, or AIDS
- Genetic disorders, birth defects, and anomalies
- Claims attributable to mental disorders or psychiatric conditions
- Claims attributable to drug abuse or rehabilitation
- Expenses related to childbirth, pregnancy, or related complications
- Illnesses or injuries attributable to war or warlike activities
- Any kind of cosmetic or aesthetic treatment
- Expenses related to weight management or obesity treatments
- Cost of accessories such as spectacles, contact lenses, or hearing aids
- Non-medical expenses incurred during the time of hospital stay
FAQs
1. What are the details that must be provided while intimating a claim?
At the time of intimation, policyholders can contact the company’s customer service department and notify about the hospitalisation. During this time, it is necessary to provide the following details to the insurer:
- Policy details (name of the policyholder, policy number, etc.)
- Date of admission
- Name and address of the medical facility
- Name of the attending physician
- Nature of the illness or injury
2. Can I make a claim request during the grace period?
No. Health insurers do not provide any coverage for the claims arising during the grace period. The grace period is just an additional time provided for policyholders to renew their policy after the date of expiry. During this period, the policy remains inactive. The policy becomes active only after the payment of the next premium instalment. Hence, the company will not entertain any claims arising during the inactive period.
3. Can I apply for reimbursement even if my cashless treatment request is rejected?
Yes. Even if the cashless treatment request is rejected, a policyholder may still apply for a reimbursement claim. If the claim is valid, the company will provide settlement for it.
4. How long will the company take to provide settlement in case of reimbursement claims?
Once all the required documents are submitted, the settlement amount will be paid within a maximum of 30 days.
5. What is a worldwide emergency cover?
The worldwide emergency coverage in ManipalCigna health insurance policies provides coverage for emergency treatments taken outside the country. In this case, the compensation is paid only for inpatient hospitalisation claims. The claim amount will be paid only in Indian Rupees at the exchange rate specified by the Reserve Bank of India.
| Health Insurance Sitemap | Health Insurance Blog | Health Insurance Reviews |
Health Insurance Companies in India
- Apollo Munich Health Insurance
- Bajaj Allianz Health Insurance
- Bharati AXA Health Insurance
- Chola MS Health Insurance
- Cigna TTK Health Insurance
- HDFC ERGO Health Insurance
- ICICI Lombard Health Insurance
- IFFCO Tokio Health Insurance
- Liberty Health Insurance
- Magma HDI Health Insurance
- Max Bupa Health Insurance
- National Health Insurance
- New India Assurance Health Insurance
- Oriental Health Insurance
- Raheja QBE Health Insurance
- Reliance Health Insurance
- Royal Sundaram Health Insurance
- SBI Health Insurance
- Star Health Insurance
- United India Health Insurnce
- Universal Sompo Health Insurance
FAQs
Is Manipal a cashless hospital? ›
A one-stop destination for availing the best treatment in your city. We display ManipalCigna Health Insurance network hospital list for cashless treatment. No additional overhead and pressure, just a few clicks, and you will get to know the nearest ultra-wide hospitals in your city.
What is the claim settlement of ManipalCigna? ›1. What is the Claim Settlement Ratio of Manipal Cigna Health Insurance Company? Manipal Cigna Health Insurance Company has a Claim Settlement Ratio of 99.9% in the financial year 2021-2022.
Which health insurance is best in India? ›| Rank | Health Insurance Company | Health Claim Settlement Ratio FY22 |
|---|---|---|
| 1 | HDFC Ergo Health Insurance | 100% |
| 2 | Niva Bupa Health Insurance | 91.20% |
| 3 | Care Health Insurance | 95.22% |
| 4 | Aditya Birla Health Insurance | 94% |
- Bajaj Allianz Health Guard Family Cover.
- Care Health Insurance Care Plan.
- HDFC ERGO Optima Restore Health Insurance Plan.
- Max Bupa Health insurance Plan.
- ICICI Lombard Health Care Plus.
About Manipal Hospitals Group
Manipal Hospitals as an entity came into existence in 1991 with the launch of our 650-bed flagship hospital at Old Airport Road, Bangalore. Today, we are one of India's leading healthcare groups with a network of 22 hospitals.
Federal data shows that health insurance companies denied more than 49 millions claims in 2021, but customers appealed less than 0.2 percent of them. Investigative journalists at ProPublica found that the insurance company Cigna is using an automated system to assess, and often deny, claims in bulk.
How long does Cigna take to pay claims? ›Where paper claims can take 10-15 days to pay, electronic claims typically take only 3-5 days to pay (and can be processed in as quickly as 1-2 days).
Which health insurance has highest claim settlement ratio? ›HDFC Ergo is the health insurance company with the highest Claim Settlement Ratio or CSR of 97% in 2022.
Is healthcare better in India or USA? ›Today, the US is ahead of India in terms of infrastructure available per 1000 people. The number of doctors per 1000 in the US is 2.6, compared to 0.8 in India. India is expected to catch up! The number of nurses per 1000, at 11.9 in the US, is 8X of that in India.
Which is the No 1 healthcare company in India? ›- Apollo Hospitals Enterprise Limited is one of the largest healthcare companies in India. ...
- The company's hospitals offer a range of medical services, including cardiology, neurology, oncology, gastroenterology, orthopedics, and urology.
How much health insurance is enough in India? ›
Minimum health insurance coverage
20 lakhs, a Rs. 10 lakhs health insurance policy may be the right choice for you. However, it is recommended that the minimum coverage should be at least Rs. 5 lakhs, considering the soaring medical costs.
ManipalCigna, one of India's leading healthcare insurance providers, has established an extensive network of TPAs throughout the country. This ensures that their customers have access to the highest quality of service.
How do I claim medical expenses from Cigna? ›For most covered services, there's no paperwork. Just show your Cigna HealthCare ID card and pay your copayment; your provider will complete and submit the paperwork. If you receive out-of-network emergency care, you or your provider need to file a paper claim.
Where can I check my Cigna claim status? ›Learn more about claims status inquiry or call 1.800. 88Cigna (882.4462).
Which health insurance company has the highest customer satisfaction? ›Best overall health insurance: Kaiser Permanente
Kaiser Permanente consistently ranks as having the most satisfied customers. Kaiser health insurance is paired with Kaiser's medical facilities, which can make it easier to manage both your insurance and health services through the same online portal.
Medi Assist, the largest TPA in the country, has a turnover of around Rs 500 crore, while Raksha, which is also among the top five, has clocked over Rs 70 crore of revenue.
Which health insurance is best in India cashless? ›- Bajaj Allianz Health Guard Family Cover.
- Care Health Insurance Care Plan.
- HDFC ERGO Optima Restore Health Insurance Plan.
- Max Bupa Health Insurance Plan.
- ICICI Lombard Health Care Plus.
| Type | Private |
|---|---|
| Key people | Ranjan Pai (Group chairman) H. Sudarshan Ballal (Chairman) Dilip Jose (CEO & MD) |
| Revenue | ₹4,010 crore (US$500 million) (FY22) |
| Operating income | ₹977 crore (US$120 million) (FY22) |
| Owner | Temasek Holdings (59%) Manipal Group (30%) TPG Asia (11%) |
Dr Ranjan Pai is the young and dynamic CEO and MD of the Manipal Education and Medical Group (MEMG), the corporate holding entity of the group that focuses on Education, Healthcare and Research.
Who owns Manipal health? ›Dilip Jose - Managing Director and CEO - Manipal Health Enterprises Pvt. Ltd | LinkedIn.
Why is my Cigna claim denied? ›
Denial could be due to eligibility issues, service(s) determined to be not covered by your plan, or cancellation of coverage. If your claim is retroactively denied, Cigna will notify you in writing about your appeal rights. Learn more about appeals and grievances . For help, call customer service at 1 (800) 244-6224 .
How Cigna saves millions by rejecting claims? ›The company has built a system that allows its doctors to instantly reject a claim on medical grounds without opening the patient file, leaving people with unexpected bills, according to corporate documents and interviews with former Cigna officials.
How often are health insurance claims rejected? ›30% of claims are either denied, lost or ignored.
Even the smallest medical billing and coding errors could be the reason for claim denials or payment delays.
The lawsuit seeks damages and penalties under the False Claims Act for CIGNA's submissions to the Government of false and invalid patient diagnosis codes to artificially inflate the payments CIGNA received for providing insurance coverage to its Medicare Advantage plan members.
How long does it take Cigna to approve? ›Typically, within 5-10 business days of receiving the prior authorization request, your insurance company will either: Approve your request. Deny your request.
Why do insurance companies deny claims? ›Insurance claims are often denied if there is a dispute as to fault or liability. Companies will only agree to pay you if there's clear evidence to show that their policyholder is to blame for your injuries. If there is any indication that their policyholder isn't responsible the insurer will deny your claim.
What is the biggest insurance claim? ›The Tohoku Earthquake & Tsunami of 2011
While the damages, for the earthquake alone, were estimated over $210B, only $35B was insured and ultimately paid out. The total combined payouts could be much higher.
With settlement percentages up and above the 95% mark, a prospective life insurance buyer can be sure that the insurers are secure as they are willing to pay the insurance claim amount to most of their customers. For FY 2021-22, the claim settlement ratio of Max Life Insurance was 99.34%*.
How is claim settlement ratio calculated? ›Claim settlement ratio is calculated by dividing the total number of claims settled by the total number of death claims volume.
Can I use US health insurance in India? ›Yes, NRIs can purchase a health insurance policy in India even if they are covered under some policy in their country of residence. Some NRIs might be insured by their employers or might have a wide-ranging policy offering domestic as well as international coverage (with limitations).
Is US health insurance valid in India? ›
Medical Coverage When Visiting India
Most U.S. health insurance plans do not cover overseas medical expenses, or have only limited coverage. Medicare does not cover health care outside the U.S. Travel medical insurance plans can help you in India if you become sick or injured.
| # | Country | Health Score |
|---|---|---|
| 1 | Belgium | 80.6 |
| 2 | Japan | 86.6 |
| 3 | Sweden | 82.1 |
| 4 | Switzerland | 81.5 |
- Fortis Escorts Hospital New Delhi. ...
- Indraprastha Apollo Hospital New Delhi. ...
- Global Hospital Chennai. ...
- MGM Healthcare, Chennai. ...
- Artemis Hospital Gurgaon. ...
- BLK Super Specialty Hospital New Delhi. ...
- Kokilaben Dhirubhai Ambani Hospital Mumbai. ...
- Apollo Hospitals, Greams Road, Chennai.
Medica Superspecialty Hospital has been chosen as the Best Healthcare Brand, 2022 at the 5th Edition of The Economic Times Best Healthcare Brands which was held on 29th June at Hotel Hyatt Regency, New Delhi. Mr Ayanabh Debgupta & Dr Aviral Roy received the award on behalf of Medica.
Why health insurance is so expensive in India? ›Lack of adequate healthcare infrastructure
India's healthcare infrastructure is still evolving. It lacks adequate facilities and resources to provide quality healthcare services. As a result, patients often have to opt for expensive private healthcare services, which further increases health insurance costs.
As is infamously quoted, India's Out-Of-Pocket-Expenditure (OOPE) for health is one of the highest in the world at 63 percent in 2018. Indians pay more money out of their pockets than some of the poorest countries in the world for availing healthcare.
Is health insurance expensive in India? ›Not surprisingly, the premiums are steep. An individual health cover of Rs 50 lakh for a 30-year-old would cost Rs 20,000-60,000 a year. A family floater of a similar sum insured would cost Rs 40,000-50,000 if the oldest family member is 30-35 years old.
Is Manipal Cigna profitable? ›The investment income for the year under review was Rs. 37.66 Crores as against Rs. 50.92 Crores generated in the previous year, a decrease of 26.04%. The Return on Investments for the year ended 31st March, 2021 was at 5.04% (excluding unrealized gains/losses from debt securities).
What states are covered by Cigna? ›The company serves more than 86 million customers in 30 countries and remains a leader in global healthcare benefits. Cigna has medical plans available in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas.
How old is Cigna Insurance Company? ›Cigna health insurance traces their roots back over 200 years, in 1792 with the Insurance Company of North America (INA), which was the first marine insurance company in the U.S. But it wasn't until 1982 that Cigna was truly founded through the merger of INA and Connecticut General Life Insurance Company.
What is Cigna deductible? ›
A deductible is the amount of money per year that you need to pay for your health care costs (such as doctor's visits, medication, etc.) Once you meet your deductible, your plan will begin to help pay for your health care costs. This is called coinsurance.
Can I deduct health insurance I paid? ›If you pay for health insurance before taxes are taken out of your check, you can't deduct your health insurance premiums. If you pay for health insurance after taxes are taken out of your paycheck, you might qualify for the medical expense deduction.
How much medical expenses are deductible? ›See if you qualify. In 2022, the IRS allows all taxpayers to deduct their qualified unreimbursed medical care expenses that exceed 7.5% of their adjusted gross income. You must itemize your deductions on IRS Schedule A in order to deduct your medical expenses instead of taking the standard deduction.
Is Cigna a PPO or HMO? ›Cigna Health Maintenance Organization (HMO) Plans. Includes global emergency and urgent care coverage* 24 hours a day, seven days a week.
Who owns Cigna? ›| Type | Subsidiary |
|---|---|
| Key people | Jason Sadler, President, Cigna Global Health Benefits |
| Products | Medical, Dental, Disability, Life Insurance |
| Revenue | 174,078,000,000 United States dollar (2021) |
| Parent | Cigna Corporation |
Submitting medical, dental, and behavioral claims electronically can help you save time, money, and improve claim processing accuracy. Using one of Cigna's electronic data interchange (EDI) options allows you to send, view, and track claims – no faxing, printing, or mailing.
Is Manipal a donation? ›Manipal University is one of the best top private universities in the country. It does not provide donation seats.
Is Manipal private? ›Manipal Academy of Higher Education (MAHE) is a private deemed university located in Manipal, India.
Is Manipal under CGHS panel? ›Human Care Medical Charitable Trust (Manipal Hospital), Delhi: Corrigendum OM reg Exit from CGHS panel.
Is Manipal good for medical? ›About Kasturba Medical College (KMC)
The College consistently ranks amongst the top ten medical colleges in the country and is recognized by the National Medical Council (NMC) / the erstwhile Medical Council of India (MCI). The institute has strong linkages with national and international universities.
Who is the owner of Manipal group? ›
Dato Dr Ranjan Pai (born 11 November 1972w) is an Indian medical doctor, businessperson and the chairman of the Manipal Education and Medical Group (MEMG), which runs six universities and twenty eight hospitals across the globe.