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.

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 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.

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.

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Health Insurance Plans

ManipalCigna Health Insurance Plans

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88%

Claim Settlement Ratio

14,500+

Network Hospitals

6.3

Overall Rating

ManipalCigna

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

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 Plans

Super Top-up

ProHealth Select

ProHealth Premier

Super Top-up

ProHealth Select

ProHealth Premier

ManipalCigna

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

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

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

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

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

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

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

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

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

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

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

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

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

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose ManipalCigna Health Insurance Plans?

Flexible Sum Insured Options

Choose from a wide range of cover amounts (from ₹2.5 lakh to ₹3 crore+) to match your needs.

Extensive Hospital Network and Cashless Support

Access thousands of network hospitals across India and enjoy simpler cashless treatment options.

Rich Benefits & Add‑Ons

Features like restoration of sum insured, wellness rewards, AYUSH cover, and global emergency cover help enhance your protection.

Strong Brand Combination

Backed by the healthcare heritage of the Manipal Group and global strength of Cigna, giving an added layer of trust and expertise.

Flexible Sum Insured Options

Choose from a wide range of cover amounts (from ₹2.5 lakh to ₹3 crore+) to match your needs.

Extensive Hospital Network and Cashless Support

Access thousands of network hospitals across India and enjoy simpler cashless treatment options.

Rich Benefits & Add‑Ons

Features like restoration of sum insured, wellness rewards, AYUSH cover, and global emergency cover help enhance your protection.

Strong Brand Combination

Backed by the healthcare heritage of the Manipal Group and global strength of Cigna, giving an added layer of trust and expertise.

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

Claim Settlement Process

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

1-5 of 6 Process

ManipalCigna

Renewal Process

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

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

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

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

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

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.