
Cigna Health Care India offers a range of health insurance plans to suit different needs and budgets.
Their plans include individual and family floater options, as well as group health insurance plans for businesses.
Cigna's health insurance plans in India cover a wide range of medical expenses, including hospitalization, doctor consultations, and diagnostic tests.
With Cigna, you can choose from various policy durations, including 1-year, 2-year, and lifetime renewability options.
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Insurance Options
Manipal Cigna offers a range of insurance options, including the Corona Kavach Policy, which is designed to cover expenses related to Covid-19 hospitalization and home care treatment.
This policy is available for both men and women of any age and provides financial cover for pre and post-hospitalization expenses, road ambulance, and AYUSH treatment.
The Corona Kavach Policy is a Covid standard health insurance policy developed by IRDAI and made available by Manipal Cigna Health Insurance Company, offering a clear and transparent set of terms and conditions.
Why Choose Insurance?

Choosing the right insurance can be a daunting task, but it's essential for protecting your financial, physical, and emotional health.
You want a partner that's committed to your health and well-being, not just a provider of insurance policies. ManipalCigna Health Insurance resonates with that commitment, providing easy and lifelong access to quality healthcare through their comprehensive healthcare plans.
Their presence across the country and international pedigree make them a reliable choice. They're focused on protecting and improving your health, not just selling you a policy.
With ManipalCigna, you're not just buying insurance, you're investing in your health and well-being. Their firm belief that "Health Hai Toh Life Hai" (Health is Life) reflects their dedication to helping you live a healthier life.
Available Plans Types
If you're looking for a health insurance plan that covers you against illnesses, you have three main options to consider.
Individual health insurance plans are designed to cover one person, offering cashless hospitalization and various add-on features.

These plans are great for people who want a basic health insurance policy, but can be limiting if you have a family to cover.
Family floater health insurance plans, on the other hand, cover the entire family under a single policy, making it easier to manage finances.
A family floater plan ensures that all family members are covered, with a high sum insured that can cover everyone, even if one member makes a claim.
Critical illness plans provide coverage for life-threatening illnesses like cancer, heart attacks, and renal failure, offering a lump-sum amount for treatment expenses.
This type of policy is especially useful for people who want to be prepared for long-term illnesses, as the lump-sum amount can be used as needed.
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Senior Citizen Plans
Senior Citizen Plans are designed to cater to the unique health needs of older adults. They offer tailored coverage options and benefits that are specifically tailored to meet the requirements of seniors.

Manipal Cigna has established credibility in healthcare over the years, which is essential when choosing an insurance provider. This reputation is built on trust and reliability.
Customizable plans allow senior citizens to choose coverage that fits their needs, providing flexibility and peace of mind.
Here are some key features of Senior Citizen Plans:
- Brand Trust and Reputation: Manipal Cigna has established credibility over years in healthcare.
- Customizable Plans: Provides flexible plan options to cater to individual needs.
- Senior Citizen Plans: Specialized plans for senior citizens with tailored coverage options and benefits.
Corona Kavach Policy Overview
The Corona Kavach Policy is a health insurance plan designed to cover Covid-19 related hospitalization and home care treatment expenses. It's developed by IRDAI and made available by ManipalCigna Health Insurance Company.
This policy is available for both men and women of any age, making it a versatile option for families. It's also known as the Covid standard health insurance policy.
The Corona Kavach Policy provides financial cover towards pre and post-hospitalization expenses, road ambulance, and AYUSH treatment.
Understanding Policies
Cigna Health Care India offers a range of policies to suit different needs, including individual, family, and group policies.

The company's policies are designed to provide comprehensive coverage for various medical expenses, including hospitalization, surgery, and diagnostic tests.
Cigna's individual policies are tailored to meet the specific needs of individuals, offering flexibility in terms of coverage and premium payments.
With Cigna's family policies, you can cover your entire family under a single policy, making it easier to manage your health insurance needs.
The company's group policies are designed for employers to provide health insurance coverage to their employees, promoting a healthy and productive work environment.
Cigna's policies also offer additional benefits such as maternity coverage, organ donor coverage, and no-claim bonus, making it a comprehensive health insurance solution.
The company's policies are designed to be easy to understand and navigate, with clear explanations of coverage, exclusions, and limitations.
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Buying and Renewing
Buying and renewing a Cigna health insurance plan in India can be a straightforward process. You can renew your plan up to 90 days in advance, giving you plenty of time to review and adjust your coverage.

Cigna India offers a range of plans to suit different needs and budgets. Their plans are divided into three categories: Cigna Health, Cigna Life, and Cigna Savings.
You can renew your plan online, by phone, or through the Cigna India mobile app, making it easy to manage your coverage on the go.
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Buying Online
Buying online is a straightforward process. You can visit the ManipalCigna website and navigate to the buy online page.
To generate a quick quote, you'll need to have all the required information handy. This includes your personal and medical details.
You can fill out a form on the website to get started. If you have any queries, you can either get on to a chat or request a call back from the provider.
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Online Renewal
Renewing your insurance policy online is a straightforward process that can be completed in just a few steps.
First, you'll need to visit the official website of ManipalCigna.

You can log in to your account or enter your policy number and details to access your policy.
Review your policy details carefully and make any necessary updates before proceeding.
Choose your preferred payment method and complete the transaction to finalize the renewal.
You'll receive a confirmation of the renewal along with the updated policy document after completing the transaction.
Offline Renewal
If you're unable to renew your policy online, don't worry, there's an offline option available.
To renew your policy offline, you'll need to visit a ManipalCigna branch or an insurance agent. They'll require your policy number and other necessary details.
You can make the payment through available offline methods, such as cheque or cash.
After making the payment, you'll receive a confirmation receipt and a renewed policy document.
Deal to Sell
If you're considering selling an old policy, you can do so during the renewal period, typically 30 to 60 days before the policy's expiration date.

You can use the money you save from not renewing to purchase a new policy that better suits your needs.
Some policies, like auto insurance, can be canceled at any time, but you may face penalties for early termination.
Renewing a policy can be a good option if you're not ready to switch to a new provider, and you can often get discounts for loyalty.
If you're selling a policy, be sure to review the terms of your new policy to ensure it's a good fit for your changing needs.
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Claims and Reimbursement
To initiate the claims process, you should notify Manipal Cigna General Insurance about your hospital admission as soon as possible. This is crucial, whether it's an emergency or a planned hospital visit.
You'll need to settle all hospital bills after treatment and keep all receipts and detailed bill statements for the claim. This will come in handy when submitting your claim.
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Here's a step-by-step guide to the claims process:
- Notify the Insurer: Inform Manipal Cigna General Insurance about your hospital admission as soon as possible.
- Settle Hospital Bills: Pay all hospital bills after treatment and keep all receipts and detailed bill statements.
- Collect Medical Documents and Receipts: Gather all necessary medical documents, including bills, prescriptions, and diagnostic reports.
- Fill Out the Claim Form: Download the reimbursement claim form from Manipal Cigna General Insurance’s website and submit it with all required documents within the given timeframe.
- Await Claim Review and Reimbursement: The insurer will review your documents and reimburse the claim amount according to your policy if everything is in order.
Cashless Claim
When you're in a medical emergency, the last thing you want to worry about is the hassle of filing insurance claims. Luckily, Manipal Cigna Health Insurance offers a cashless claim feature that can save you time and stress.
To start the process, simply head to the nearest network hospital affiliated with Manipal Cigna Health Insurance. This is crucial to ensure that your treatment is covered under the cashless claim scheme.
You'll need to inform OneAssure about your hospitalization within 48 hours for emergencies and at least 3 days in advance for planned hospitalizations. This allows them to process your claim efficiently.
To facilitate the process, carry your Manipal Cigna health insurance cashless card or policy number along with a valid ID proof, such as a passport, PAN card, Aadhaar card, Voter ID, etc.
The hospital's insurance desk will provide you with a pre-authorization request form to fill out. This is a straightforward process that ensures your claim is processed correctly.
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Here are the steps involved in the cashless claim process:
- Visit a network hospital affiliated with Manipal Cigna Health Insurance.
- Inform OneAssure about your hospitalization within the required time frame.
- Carry required documents, including your cashless card or policy number and a valid ID proof.
- Fill out the pre-authorization request form provided at the hospital's insurance desk.
- OneAssure will review your form and seek approval for cashless treatment from the insurer.
- After completion of treatment, OneAssure will ensure the settlement of the claim amount directly with the network hospital.
By following these simple steps, you can ensure a hassle-free experience when making a cashless claim with Manipal Cigna Health Insurance.
Reimbursement Claim
To initiate a reimbursement claim, follow these steps.
Inform Manipal Cigna General Insurance about your hospital admission as soon as possible, whether it’s an emergency or planned.
After treatment, pay all hospital bills and keep all receipts and detailed bill statements for the claim.
Gather all necessary medical documents, including bills, prescriptions, and diagnostic reports, to ensure you have everything needed for the claim.
To fill out the claim form, download it from Manipal Cigna General Insurance’s website and complete it.
Submit the form with all required documents within the given timeframe.
Here's a step-by-step guide to the reimbursement claim process:
- Notify the Insurer
- Settle Hospital Bills
- Collect Medical Documents and Receipts
- Fill Out the Claim Form
- Await Claim Review and Reimbursement
Once you've submitted your claim, the insurer will review your documents. If everything is in order, they will reimburse the claim amount according to your policy.
Premium and Coverage

Your premium and coverage with Cigna Health Care India are directly related. The type of cover you choose will affect your premium, with a comprehensive medical health insurance plan being more expensive than a basic plan.
A simple thumb rule of insurance is that the lesser the coverage, the cheaper is the premium to be paid. This works as a rule no matter what you are insuring.
Here are the major factors that affect your premium:
- Age: Your age will directly affect your premium, with younger individuals paying lower premiums.
- Type of cover: The type of cover you choose will affect your premium, with comprehensive plans being more expensive.
- Amount of cover: The lesser the coverage, the cheaper is the premium to be paid.
- Personal information: Your health insurance claims history, gender, marital status, and other personal details will also affect your premium.
Critical Illness Coverage Needed
Critical illness coverage is necessary because health emergencies strike without warning.
These emergencies, such as heart attacks, strokes, or cancer, are expensive to treat.
The treatment costs for these medical emergencies far exceed average expenses.
Critical illness policies have a cash pay-out that can help cover these expenses if you fall short.
A critical illness policy can provide financial protection during a difficult time.
The assignee of a policy is the person who gets the benefits of the policy.
How to Calculate Premium?
Calculating your health insurance premium involves considering several factors that affect the cost. Your age is the first thing insurance companies look at, and it directly impacts your premium.
The younger you are, the lower your premium will be, as you're likely to fall ill less or need planned medical attention. This is why it's essential to buy health insurance as soon as possible.
The type of cover you choose also affects your premium, with comprehensive medical health insurance plans being more expensive than basic ones.
A simple thumb rule is that the lesser the coverage, the cheaper the premium. However, it's crucial to have a reasonable amount of cover to protect your savings from increasing costs and inflation.
Insurance companies will need you to furnish personal information, including your health insurance claims history, gender, marital status, and family medical history. All these details will impact the overall premium of your health insurance plan.
Here are the major factors that affect your health insurance premium:
- Age
- Type of cover
- Amount of cover
- Personal information (health insurance claims history, gender, marital status, family medical history, etc.)
Tax Savings
Tax Savings is a significant benefit of buying health insurance. You can save up to INR 25,000 under section 80D of the Income Tax Act.
Both 'defined benefit' and 'indemnity' health insurance plans can help get tax benefits on the premium paid. This means you can save money on your taxes by choosing the right type of plan.
Family Floater plans, daily hospital cash plans, and critical illness plans all qualify for similar tax benefits. This gives you more options to consider when choosing a health insurance plan.
You can save up to INR 25,000 by taking advantage of the tax benefits offered by health insurance plans. This can make a big difference in your overall financial situation.
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Difference in Medical Fields
Medical insurance only provides financial cover for hospitalization, pre-specified diseases, and accidents, whereas health insurance offers a comprehensive financial cover.
Cigna health care India's medical insurance cover is limited to a pre-specified amount, whereas health insurance provides coverage for pre-hospitalization, hospitalization expenses, and post-hospitalization expenses.
Depending on the health plan you choose, Cigna health care India's health insurance also covers ambulance expenses, which is not typically included in medical insurance.
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Busting Myths

You might think you're invincible, but even young and healthy individuals can fall ill anytime, so it's essential to have a health insurance plan.
Myth-busting time! Let's start with Myth #1: Young and healthy individuals do not need a health insurance plan. Reality check: even COVID-19 has shown that anyone can fall sick.
If you're covered by a corporate health plan, you might think you're all set, but the reality is that the cover might not be sufficient to cover medical expenses, so it's always a good idea to get a personal health insurance plan.
You might be surprised to know that most health insurance plans come with a waiting period, which can be as short as one month, during which you're not allowed to make any claims.
Don't even think about hiding a pre-existing illness from your health insurance provider, because if they find out, your claim can be rejected.
You don't need to be admitted to a hospital for 24 hours to claim insurance - some procedures, like dialysis or cataract surgery, can be covered even if they're completed in less than 24 hours.
Our Verdict

ManipalCigna offers a robust health insurance plan that stands out from the rest.
Their Sarvah plan provides zero waiting periods for pre-existing conditions, which is a huge relief for those who need immediate coverage.
With this plan, you can expect your sum insured to grow by 100% every year, giving you a safety net that increases with time.
Additionally, the Surplus Benefit doubles your coverage for the first claim annually, providing a much-needed boost in case of an emergency.
Another notable feature of this plan is the Sarathi Benefit, which reduces waiting periods to just 30 days, making it easier to get the care you need quickly.
Overall, ManipalCigna's Sarvah plan is a strong option for comprehensive, hassle-free health coverage that's hard to beat.
Policy Management
At Cigna Health Care India, policy management is a key aspect of ensuring seamless healthcare experiences for their customers.
The company offers a range of health insurance policies, including individual and family floater plans, group health insurance, and international health insurance.
Their policy management system allows for easy claims processing and settlement, with a turnaround time of just 3-5 working days in most cases.
This efficient system ensures that customers receive their claims quickly, reducing the hassle and stress associated with health insurance claims.
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Step 1: Visit Network Hospital

So you've got a medical issue and you need to visit a hospital. If you're covered by Manipal Cigna Health Insurance, head to the nearest network hospital affiliated with them.
You can find a list of network hospitals on the Manipal Cigna Health Insurance website or by contacting their customer service team.
It's essential to visit a network hospital because your insurance will only cover the costs if the treatment is received at one of these affiliated hospitals.
Remember to bring all your insurance documents and identification with you to the hospital to ensure a smooth process.
How to Port
To port to Manipal Cigna's health insurance, you can start the process approximately 60 days before your current policy renewal date.
You'll need to provide additional documents for the new policy, which may include your height, weight, claim details, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.

The registration process will be completed on the insurer's online portal, where you can submit the required information and documents.
After registration, you'll receive a payment link via email and phone, which you'll need to use to complete the payment for your new policy.
Once the payment is made, your new policy will be issued promptly, and you'll be all set with your new health insurance coverage.
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Company Information
Cigna HealthCare India is a subsidiary of the global health insurance company Cigna Corporation. It was established in 2000 to provide health insurance services to individuals and groups in India.
Cigna HealthCare India has a strong presence in the country with a network of over 3,500 hospitals and 7,500 healthcare providers. This extensive network ensures that policyholders have access to quality healthcare services across the country.
Cigna HealthCare India offers a range of health insurance products designed to meet the diverse needs of individuals and groups in India.
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Brand Trust

Manipal Cigna has established credibility over years in healthcare. This is a testament to the company's commitment to delivering high-quality services.
Their reputation has been built on years of trust and reliability, earning them a loyal customer base.
Manipal Cigna's strong brand trust is a result of their dedication to excellence in the healthcare industry.
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Major Branch Addresses
Manipal Cigna Health Insurance has a significant presence across India with multiple branches.
Here are some of the major branches and their contact details:
India Enters the Game
Cigna, a US-based healthcare giant, is set to enter the Indian healthcare insurance market with a joint venture with TTK Healthcare, a company founded in the 1920s.
Cigna's global revenues are close to $19 billion.
The Indian healthcare insurance market is expected to be exciting with Cigna's entry.
Only 10% of Indians are currently covered by insurance of any kind.
Almost 2% of Indians are covered by private insurers, while 8% are covered through state and central government schemes.
The remaining 90% of Indians pay for healthcare expenses from their private pockets.
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Frequently Asked Questions
Does Cigna cover international healthcare?
Yes, Cigna covers international healthcare with a global network of over 200 markets and territories. With 24/7 customer service in over 50 languages, you're never far from help.
Which is the top 5 health insurance companies in India?
The top 5 health insurance companies in India are HDFC ERGO General, Niva Bupa Health Insurance, Aditya Birla Health Insurance, ManipalCigna Health Insurance Company, and ICICI Lombard General Insurance, offering comprehensive coverage and reliable services. These companies provide a range of health insurance plans to suit diverse needs and budgets.
Sources
- https://www.manipalcigna.com/health-insurance
- https://www.renewbuy.com/health-insurance/manipalcigna-health-insurance/customer-care
- https://www.oneassure.in/health-insurance/manipal-cigna
- https://www.nytimes.com/2011/11/21/business/cigna-to-sell-health-insurance-in-india.html
- https://healthcare-in-india.net/healthcare-delivery/healthcare-insurance-in-india-cigna-all-set-to-enter-the-game/
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