ManipalCigna Pro Health Insurance Plan for Family

With the goal of introducing various health insurance products to the Indian market, Cigna Corporation, a pioneering US health insurance company, has partnered with the TTK group. Cigna TTK consequently became a reality. The company was established in 2014 and is a stand-alone provider of health insurance with offices in 15 different countries around the world, including Mumbai. To change CignaTTK into ManipalCigna in 2019, the Manipal group bought a stake in TTK.

  • The ManipalCigna Health Insurance Company’s main objective is to provide medical coverage to individuals and families, assisting them in maintaining and improving their health while reducing medical expenses and, as a result, creating a sense of security.

  • There are numerous health insurance plans and programs offered by the ManipalCigna Health Insurance Company. It helps the clients with the medical and behavioral aspects of a number of chronic health disorders.

  • The business has carefully thought out how to design its services to give its clients a hassle-free experience. An innovative group health insurance product from ManipalCigna offers international coverage to Indian employees who travel abroad.

  • This group health product offers health insurance services in a way that has never been done before.

The ManipalCigna Health Insurance Company is a partner of the Airtel Delhi Health Marathon and Standard Chartered Mumbai Marathon and was named one of the “Economic Times Best Promising Brands 2015.”

Insurance Plan from ManipalCigna Pro Health

A comprehensive health insurance program that offers coverage for every member of the family is the ManipalCigna Pro Health plus Insurance Plan. This plan has adaptable terms and conditions, appealing features, and a reasonable premium. The Pro Health Plus plan aids in covering hospitalization, treatment, diagnosis, medication costs, room fees, etc., expenses.

The typical health coverage under this plan ranges from Rs. 4.5 lakhs to Rs. 50 lakhs. Additional noteworthy features of the Pro Health Plus plan include maternity benefits, bonuses, and emergency coverage anywhere in the world.

ManipalCigna Pro Health Plus Insurance Plan Benefits

The table below can be used to explain the benefits offered by the ManipalCigna Pro Health Plus Insurance Plan.

Pre-hospitalization60 Days
Post-hospitalization180 Days
Day Care TreatmentsCoverage Up To The Total Sum Insured
Domiciliary HospitalizationCoverage Up To The Total Sum Insured
Organ Donor ExpensesCoverage Up To The Total Sum Insured

Specifications Of The ManipalCigna Pro-Health Plus Insurance Plan

  • The age at which a person can purchase a plan is not restricted. Individuals of all age groups are permitted to purchase the ManipalCigna Pro-Health plus Insurance plan.

  • The Pro Health Plus plan offers a few optional extras.
    • From the date the policy began, the waiting period for maternity expenses will be lowered from 48 to 24 months.
    • Paying an additional premium will eliminate the required co-pay for individuals 65 and older.
  • If no claims were made under the expiring policy, a cumulative bonus booster provision allows for a 25% increase in the total amount insured at the time of renewal. Maximum accumulation would result from this being true.

  • Nine options are available for the insured amount: Rs. 4.5 lakhs, Rs. 5.5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs, and Rs. 50 lakhs.

  • Following 36 months of policy coverage, every pre-existing condition is covered.

  • All illnesses from the date the policy began to have a 30-day waiting period, with the exception of situations involving unintentional hospitalization.

  • For those who are 18 years of age or older, a free health examination is provided after each policy renewal.

  • The voluntary deductible options of 10% or 20% are offered.

  • The premiums vary depending on the option selected for each and every claim as opted.

  • The policyholders have a 15-day free look period to review the terms and conditions of the policy.

  • The policy may be renewed after the expiration date for a grace period of 30 days.

  • The premium amount paid is eligible for a tax exemption under Section 80D of the Income Tax Act of 1961.

Health Insurance Programs from ManipalCigna

The ManipalCigna Health Insurance Plan Is A Big Umbrella That Can Include A Lot Of Health Insurance Plans.

Plan for ManipalCigna Pro-Health Protection

Individual Protection:

  • For children over three months old and for adults over the age of 18, full health coverage is offered in the range of Rs. 2.5 lakhs and Rs. 50 lakhs.

  • This insurance policy provides coverage for daycare procedures, post-hospitalization costs, no-claim bonus, restore benefits, etc.

  • Co-pay (10%, 20%), critical illness coverage, deductible (1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, and 10 lakhs), etc. are some of the features.

Protection For Family:

  • This family floater plan pays for all family members’ medical expenses up to the value of Rs. 4.5 lakhs (INR 50 lakhs)

  • The total family members who are eligible for coverage are:
    • maximum of two adults who are at least 18 years old
    • 2 youngsters, ranging in age from 3 months to 18 years.
    • Co-pay (10%, 20%), critical illness coverage, deductible (1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, and 10 lakhs), etc. are some of the features.

  • The procedures performed at daycare facilities, outpatient hospital fees, no-claim rewards, restore benefits, etc. are all covered by this plan.

  • Co-pay (10%, 20%), critical illness coverage, deductible (1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, and 10 lakhs), etc. are some of the features.

Plan d’assurance ManipalCigna Pro Health Preferred

Individuals’ Coverage:

  • Children over three months old and adults over the age of 18 have full health coverage.

  • The cost of the health coverage mentioned above ranges from Rs. 15 lakhs to Rs. 50 lakhs.

  • This plan’s features include coverage for daycare procedures, pre- and post-hospitalization costs, health check-ups, no claim bonuses, and benefit restoration.

  • The maternity and health maintenance benefit coverage under the ManipalCigna Pro Health Preferred plan are higher.

  • Options for coverage include reduced maternity waiting times and coverage for critical illnesses.

Families Are Covered:

  • The range of health expenses covered by this plan for the entire family is between Rs. 15 lakhs and Rs. 50 lakhs.

  • Maximum coverage is available for 2 adults over the age of 18 and 2 children between the ages of 3 and 18

  • Pre and post hospitalization expenses, coverage for daycare procedures, health checkups, no claim bonuses, and other features are included in this plan.

  • Comparing the Health Protection plan to the Health Preferred plan, the Health Preferred plan offers greater maternity and health maintenance benefits.

  • Here, critical illness insurance and a shorter maternity waiting period are optional coverages.

Premier Insurance Plan from ManipalCigna for Pro-Health

Individual Protection:

  • The main benefit of this plan is that it provides Rs. 1 crore in coverage for adults and children older than 3 months.

  • Pre- and post-hospitalization costs, coverage for daycare procedures, and health checkups are additional plan benefits.

  • Comparing the Pro-Health Preferred plan to the Health Premier plan, one can see that the latter offers greater maternity coverage and health maintenance benefit coverage.

Family Protection:

  • A fundamental family insurance policy that covers all family members’ medical costs up to Rs. 1 crore.

  • Maximum 2 adults over the age of 18 and 2 children between the ages of 3 and 18 are covered by health insurance.

  • When compared to the Pro-Health Preferred plan, the Premier plan offers greater maternity and health maintenance benefits.

  • Reduced waiting times for maternity are part of optional coverage.

Discounts on the ManipalCigna Pro Health Plus Plan

FAMILY SPECIAL – The policyholder is eligible for a 10% family discount if they are covering more than two family members under one policy for Individual coverage.

DISCOUNT FOR LONG-TERM POLICIES – The policyholder will receive a 7.5% discount if a 2-year policy is chosen.

REDUCTIVE FOR CO-PAY – For a co-payment of 10% on the policy, the policyholder receives a discount of 7.5%, and they are also eligible for a discount of 15% for a co-payment of 20%.

Time Frame for the ManipalCigna Pro Health Plus Insurance Plan

We can get a general idea of the waiting period for the ManipalCigna Pro Health plus Insurance Plan from the table below.

Day 1 coverageInjury Accidents
30-day period of coverageAside from certain surgeries, permanent exclusion, and diseases that already exist, all occurrences
protection two years laterSurgery for a cataract, knee replacement, breast lump, polyps, cysts, internal/skin tumors, sinusitis, tonsil surgery, urinary stones, and sinusitis.

Benefits from the ManipalCigna Pro Health Plus Insurance Plan

  • Under Section 80D of the Income Tax Act of 1961, the ManipalCigna Pro Health Plus Insurance Plan premium payment is deductible from income.

  • This covers both individual coverage—yourself, your spouse, and your kids—and family coverage—your parents (senior citizens).

What Is Covered by ManipalCigna Pro Health Plus Insurance?

The following benefits are included in the ManipalCigna Pro-Health Plus Insurance Plan:

  • Maternity costs

  • Coverage for new-born costs

  • Vaccination costs for the first year

  • The cost of organ donors

  • Coverage by ambulance

  • Advantage of Health Maintenance

  • Coverage of global emergencies

  • Pre-hospitalization, inpatient hospitalization, and inpatient hospitalization

  • Annual health examination

  • Hospitalization on-site

  • Treatments for daycare

  • Bringing back the entire insured amount

What Is Not Protected By The ManipalCigna Pro Health Plus Insurance Plan?

The ManipalCigna Pro Health Plus Insurance Plan Has The Following Exclusions:

  • A critical illness that occurs within the first 90 days of the start of the plan is not covered.

  • This plan does not cover illnesses that occur within the first 30 days of commencement.

  • The ManipalCigna Pro Health Plus Insurance Plan does not provide coverage for illnesses or accidents brought on by genetic disorders, alcohol or drug use, participation in risky adventure sports, criminal activity, suicide attempts, war, or other similar causes.

  • The Pro-Health plus Insurance plan does not cover non-allopathic treatments, treatments for AIDS/HIV or other sexually transmitted diseases, cosmetic surgery, weight loss treatments, etc.

  • For the first four years of the policy, pre-existing conditions and maternity costs are not covered.

  • In the first two years of the policy, some illnesses are not covered.

ManipalCigna Pro Health Plus Insurance Plan Eligibility

Inclusion AgePolicyholders and adults over 1891 days for dependent childrenThere is no restriction
The Plan’s Duration1 Year2 Year
Premium Payout OptionsSingle Pay
Entire Amount Insured4.5 lakh rupees50 lakh rupees
Age of RenewPermanent RenewalLifelong Renewal

Process For Filing Claims Under The ManipalCigna Pro Health Plus Insurance Plan

Making a claim under your ManipalCigna Pro Health Plus plan can be done in one of two ways:

No-Cash Service

  • In this situation, only a hospital affiliated with your insurance company’s network may be used for treatment.

  • The pre-authorization form must be filled out and turned in to the hospital’s insurance desk.

  • The completed form must be faxed or emailed to the insurance company.

  • A letter approving your claim will be sent to you by the insurance company’s claim management division. The company’s claim management team may contact you regarding your claims.

  • You can start your treatment and submit a claim for reimbursement if the authorization is denied.

Claim for Reimbursement

  • You must complete the required form and submit it along with all necessary documentation in order to comply with the policy’s terms.

  • Prescriptions, bills, discharge summaries, and other paperwork are required.

  • You will receive the approved letter from the claim management team, and you may also receive some questions that you will need to respond to.

  • If the claim is denied, the reasons will be disclosed to you.

  • The ManipalCigna Company must be notified of an emergency within 24 hours of admission.

  • The company must be notified 48 hours in advance of any planned emergencies requiring hospitalization.

The ManipalCigna Pro Health Plus Insurance Plan’s Documentation Requirements

  • Available on the company website is a properly completed claim form

  • Valid photo identification proof.

  • Hospitalization letter issued by health professionals.

  • Test results, prescription drug receipts, and consultation records.

  • Original invoices, receipts, and a summary of discharge.

  • Original pharmacy statements

Required Documents to Purchase ManipalCigna Pro Health Plus Insurance Plan

  • filled out and signed proposal form

  • The picture you have for your passport

  • Your PAN card copy

  • Copies of your Aadhar cards

  • Age Valid

The following are a few examples of documents that can be used to verify an individual’s identity, age, and address:

Birth CertificateDriving LicenseUtility bills like electricity bills, telephone bills, etc.
ID for votersVoter’s ID cardDriving License
PAN cardProof of AddressPassport
Aadhar cardAadhar IDRation card
Driving Permit Rent agreement document
Identity Proof  


As a result, it makes sense for each of us to protect our health by purchasing the best health insurance plans, like the ManipalCigna Pro Health plus Insurance Plan. It offers security in the event of any unforeseen illness or medical emergency because of its distinguishing qualities and lucrative benefits.

Reviews regarding the ManipalCigna Pro Health Plus Insurance Plan

  • ManipalCigna offers a wide variety of plans, so the likelihood that you won’t find what you’re looking for is minimal. Their services are excellent. They appear to be very useful for chronic diseases and seem to cover many serious illnesses.

  • The experience with them regarding claim settlement has been very good, and they offer excellent customer service.

  • Overall, users were happy and would recommend ManipalCigna Health Insurance to friends due to the extremely quick claim resolution process.

  • Low premium, great benefits, and top-notch customer service.

  • You are really safe if you have ManipalCigna Health Insurance, which offers excellent customer service, simple claim settlement, and affordable premiums.

FAQs about Manipal Cigna health insurance

What is hospitalization in an emergency?

In an emergency hospitalization, the patient is brought into the facility due to a medical emergency, such as severe abdominal pain, an accident, a heart attack, etc. We should be informed of such a case within 48 hours of hospital admission.

What is the deadline for submitting the claim if I don’t use the cashless facility?

Within 15 days of the hospital’s discharge date, you must submit your claim.

Is my claim due during the grace period?

Any claim based on an incident that happened during the grace period—an injury, an accident, or a condition—will not be covered by us.

Can a claim be made if it is covered by another plan as well?

You will have the option to choose a full settlement of your claim in accordance with any of your policies if you obtain two or more policies from one or more insurers at the same time to cover treatment costs and the amount of the claim falls within the sum insured limit of any of the policies.

You can select the insurer with whom you would like to settle the claim if the amount to be claimed exceeds the sum insured under a single policy after taking deductibles and co-pays (if applicable) into account. We reserve the right to apply the contribution clause wherever we receive such claims in the course of resolving the claim.