Manipal Cigna Health Insurance: Plans for Family, Senior Citizens & Individuals

Manipal Cigna Health Insurance Plans Overview

Manipal Cigna health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 1770/yr. The sum insured ranges from Rs. 3 Lakh - 3 Cr. Details of the comprehensive coverage provided by the following 10 Manipal Cigna health insurance plans are listed below:

Manipal Cigna Lifetime Health Policy

Starting Premium- 17,942/Yr

Top of the line health plan from Manipal Cigna, that covers at every stage of life, looks after customer and supports them like a loved one.

Customize as per the changing life stages with optional packages such as Women+ (specialized package for women) and Health+ (coverage enhancement)
Loyalty discount on premium from 4th Policy year onwards on the applicable premium
Coverage across the globe for Major illnesses including Cancer treatment

Eligible Age

91 days - 65 years

Coverage

50 Lakh - 3 Cr

Manipal Cigna ProHealth Accumulate Policy

Starting Premium- 24,067/Yr

ManipalCigna Pro Health Accumulate is a comprehensive health plan with wide coverage ranging from Rs 5 lakhs to Rs 50 lakhs. Unique inbuilt features include worldwide emergency cover, maternity cover, new born baby cover, restoration of Sum Assured, etc. The plan also covers expenses for outpatient consultations,pharmacy, diagnostic tests through its Health Maintenance Benefit. The plan also has various valued added benefits like cumulative bonus, expert second opinion in case of a critical illness, healthy rewards and free annual health check-ups.

This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
This policy provides a discount of up to 20% on the renewal premium

Eligible Age

91 days onwards

Coverage

6 Lakh - 50 Lakh

Manipal Cigna ProHealth Plus Policy

Starting Premium- 20,154/Yr

ManipalCigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options. The plan thus combines the best of all coverage options in one and is also farily priced.

This plan provides a 10% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
This policy provides a discount of up to 20% on the renewal premium

Eligible Age

91 days onwards

Coverage

5 Lakh - 50 Lakh

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FAQs

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.