A JV between Manipal Group and Cigna Corporation (USA) bringing global healthcare expertise to Indian families with innovative health plans since 2013.
ManipalCigna Health Insurance Company Limited is a joint venture between the Manipal Group — India's leading healthcare and education conglomerate operating 28 hospitals — and Cigna Corporation, a global health services company serving 190+ million customers across 30 countries.
Established in 2013, ManipalCigna combines Manipal's deep understanding of Indian healthcare delivery with Cigna's global health insurance expertise. The company is among India's fastest-growing standalone health insurers with a focus on holistic wellness — not just illness coverage — through proactive health management and preventive care programs.
ManipalCigna's flagship comprehensive health plan with coverage up to ₹3 Crore. Features ProHealth Booster (50% annual increment), lifetime renewability, worldwide emergency cover, and coverage for 17 modern treatments including robotic surgery.
A comprehensive plan designed for lifelong health coverage with features like reducing PED waiting period (24 months), zero room rent limits, annual health check-ups, and sum insured multiplier for no-claims reaching up to 3x original cover.
Tailored for senior citizens aged 61-75 years with unique features like coverage from day 1 for listed conditions, zero co-pay option, and wellness coaching. One of the most senior-friendly plans with compassionate coverage design.
An affordable base health plan for young individuals and couples starting their insurance journey. Covers hospitalization, day-care, ambulance, and pre/post treatment with cumulative bonus for claim-free years.
Direct tie-up with 28 Manipal Hospitals ensures premium cashless service with priority admission, zero documentation hassles, and preferential rates for policyholders at one of India's best hospital chains.
Cigna's 230-year insurance heritage (serving 190M+ globally) brings world-class health management protocols, evidence-based treatment guidelines, and international quality standards to Indian health insurance.
Unlike traditional insurers focused only on illness, ManipalCigna actively promotes wellness through health risk assessments, lifestyle coaching, fitness tracking, and preventive health rewards.
Unique benefit increasing sum insured by 50% every claim-free year (up to 3x). A ₹10L plan can grow to ₹30L in 4 years — without any premium increase. Even after claims, bonus reduces partially.
Select plans cover pre-existing diseases after just 24 months (vs industry standard 48 months). This is particularly beneficial for those with conditions like diabetes, hypertension, and thyroid disorders.
Covers all 17 IRDAI-mandated modern treatments including robotic surgery, stem cell therapy, gene therapy, immunotherapy, and more — ensuring you're covered for cutting-edge medical advances.
Inform ManipalCigna via customer portal, app, email care@manipalcigna.com, or call 1800-266-0316 (toll-free). For planned hospitalization, intimate 48 hours prior.
Present e-health card at network hospital. Hospital sends pre-auth request. ManipalCigna approves within 30 minutes for standard cases, 60 minutes for emergencies.
Receive treatment without upfront payment. Hospital coordinates directly with ManipalCigna. Patient pays only non-covered items (cosmetics, non-medical consumables).
Cashless claims settled with hospital directly. For reimbursement: submit bills within 15 days. Claims processed within 7-14 working days via NEFT transfer.
Yes, ManipalCigna is highly reputable — backed by Manipal Group (India's top hospital chain) and Cigna Corporation (USA, 190M+ global customers). Their plans offer high coverage up to ₹3 Crore, reduced PED waiting, and wellness-first approach. Growing rapidly as one of India's best standalone health insurers.
ProHealth Booster increases your sum insured by 50% every claim-free year, up to 3x the original amount. A ₹10 Lakh policy grows to ₹15L, ₹20L, ₹25L, ₹30L over 4 claim-free years — without any premium increase. After a claim, it reduces by only 50%.
Yes, select ManipalCigna plans (like Lifetime Health) cover pre-existing diseases after just 24 months — half the industry standard of 48 months. Conditions like diabetes, BP, thyroid, asthma are covered after this reduced waiting period.
Prime Senior plan accepts entries from 61 to 75 years. It offers coverage from ₹2L to ₹25L with features like day-1 cover for listed conditions, zero co-pay option, wellness coaching, and lifetime renewability. No pre-policy health check mandatory for select variants.
Yes, all 28 Manipal Hospitals are part of ManipalCigna's preferred network. Policyholders get priority cashless treatment, expedited pre-authorization, and preferential rates at Manipal Hospital chain across India.