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Manipal Cigna Health Insurance Plans Overview

Manipal Cigna health insurance offers 9 health insurance plans. The premium of these plans starts from Rs. 345/yr. The sum insured ranges from Rs. 500 - 25 Cr. Details of the comprehensive coverage provided by the following 9 Manipal Cigna health insurance plans are listed below:

Manipal Cigna Lifestyle Protection

Starting Premium- ₹ 1,086/yr

This personal accident plan comes with a lot of inbuilt as well as optional coverage benefits making it a comprehensive plan.The plan pays a benefit in case of accidental death or disablement and has the following USPs

  1. The policyholder can choose from three coverage options
  2. If the insured suffers accidental death or disablement when travelling in an airline as a passenger, 200% sum insured is paid
  3. Coverage is available worldwide
  4. Coverage for ambulance costs and funeral expenses is available in all plan variants

Eligible Age

5 years - 80 years

PED Waiting Period



50,000 - 10 Cr



Manipal Cigna Lifestyle Protection Critical Care Plan

Starting Premium- ₹ 2,915/yr

This is a critical illness fixed benefit health insurance plan.The covers a list of specified illnesses and if the insured suffers from any of the covered illnesses,the sum insured is paid in lump sum

USP of Manipal Cigna Lifestyle Protection Critical Care Plan

  1. The plan comes in two variants of Basic and Enhanced
  2. 15 and 30 critical illnesses are covered in these variants respectively
  3. The insured can take a lump sum benefit or staggered benefits in monthly instalments.If monthly instalment benefit is selected,an additional 10% sum insured is paid
  4. Value added benefits are also provided by the plan.Insured individuals can avail medical second opinions as well as access to wellness programs
  5. Coverage of up to INR 25 crores is available

Eligible Age

90 days - 65 years

PED Waiting Period



1 Lakh - 25 Cr



Manipal Cigna ProHealth Accumulate Insurance Plan

Starting Premium- ₹ 24,067/yr

This plan offers sum insured levels in a varied range which suits individuals looking for optimal or high coverage levels. The plan covers medical costs incurred on an indemnity basis. There are optional coverage features too which can be selected for ensuring a better coverage option

USP of Manipal Cigna ProHealth Accumulate Insurance Plan

  1. Sum insured offered is up to INR 50 lakhs
  2. Sum insured is restored if it is exhausted in a policy year.This restoration is allowed multiple times as and when needed
  3. Health Maintenance Benefit is offered under the plan which covers OPD expenses
  4. Moreover, 5% cumulative bonus is also offered wherein the unutilised health maintenance benefit can be carried forward to the next policy year
  5. Free health check-ups are allowed after two completed policy years
  6. The sum insured increases 5% every year when no claim is made.This increase is allowed for up to 200% of the actual sum insured
  7. Critical illness rider can be bought with the plan by paying an additional premium
  8. The rider covers specified illnesses and if the insured suffers from any of the covered illness,100% of the sum insured is paid in one lump sum

Eligible Age

91 days onwards

PED Waiting Period

3 years


6 Lakh - 50 Lakh


5% increase in cover;max upto 200%

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Fixed benefit health plans are those wherein the claim amount does not depend on the actual medical expenses incurred. A fixed amount of money is paid which is predetermined at the time of buying the policy.

Yes, you can by as many health insurance plans as you want depending on your coverage requirement.

Health insurance plans of Manipal Cigna are offered for a period of 1 year, 2 years or 3 years. If you choose longer coverage tenure you also get premium discounts.

No, health insurance claims pay for medical expenses incurred in case of hospitalisation. They do not pay for accidental death. However, if you buy personal accident plans, you get a claim for accidental death.

Yes, medical check-ups are required if you opt for sum insured of INR 25 lakhs. Check-ups are usually required at all ages.

Indemnity oriented health insurance plans are those which pay for the actual medical costs which are incurred up to a maximum of the sum insured chosen by the policyholder.

Yes, all health insurance plans allow lifelong renewals without any maximum cover ceasing age. However, for dependent children, the family floater covers them till 23 years of age. Thereafter, they have to be insured under an independent health insurance plan.

Portability means switching from one health insurance plan to another. Porting can be done between the health insurance plans of the same company or between the health insurance plans of different companies. To port, the policyholder should submit a written request with the insurance company at least 45 days before the expiry of the policy under which he/she is covered.

Manipal Cigna’s ProHealth plans allow family floater coverage wherein self, spouse, dependent children and dependent parents can be covered.

Co-payment is a clause which is usually applicable if the insured is 65 years or above. Under co-payment, a part of the claim is paid by the policyholder himself/herself and the insurance company then pays the remaining. So, if the plan has a co-payment of 20% it means that 20% of the claim would have to be paid by the policyholder and the insurance company would pay the remaining 80% of the claim.

A health insurance plan which compensates for the expenses incurred on hospitalization and has no predefined fixed benefits attached to any condition is called an Indemnity Health Insurance Plan. Basically, it works on a cashless reimbursement basis and claim is payable only on hospitalization.
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