Manipal Cigna Health Insurance Renewal

If you hold a Manipal Cigna health insurance policy, the good news is that renewal is simple and takes just a few minutes online. 

In this article, we’ll walk you through the exact steps to complete your renewal (online and offline), grace period rules, and what to do if your policy has already lapsed.

How to Renew a Manipal Cigna Health Insurance Policy?

1) Manipal Cigna Health Insurance Renewal Through the Official Website 

Step 1: Head to the Manipal Cigna Renewal page.

Step 2: Click on the “Renewal” tab on the homepage.

Step 3: Enter your Policy Number and the Date of birth of the proposer (the primary insured person).

Step 4: Review your current plan details. At this stage, you can also opt to increase your Sum Insured or add riders if needed.

Step 5: Pay the premium using UPI, Credit/Debit Card, or Net Banking.

Step 6: Download your renewed policy document right away.

After successful payment, you’ll get an instant confirmation. The renewed policy document is also sent to your registered email.

2) Manipal Cigna Health Insurance Renewal Through the myManipalCigna App

Step 1: Download the myManipalCigna app from the Google Play Store or Apple App Store.

Step 2: Log in using your registered mobile number and OTP.

Step 3: On the dashboard, find your active policy. If it’s nearing expiry, you’ll see a “Renew Now” notification.

Step 4: Tap “Renew,” check the premium amount, and proceed to the payment gateway.

Step 5: Once the payment goes through, your updated policy will reflect in the “My Policies” section of the app.

3) Manipal Cigna Health Insurance Renewal: Offline Process (Branch or Customer Care)

The offline route is worth considering if you prefer face-to-face help or need to make larger changes to your policy (like adding a new family member, which often requires additional paperwork).

Through Customer Care

• Call the toll-free number 1800 102 4465. 
• A customer care executive will verify your details and send a secure payment link to your registered email or mobile number.

At a Branch Office

• Visit the nearest Manipal Cigna branch. 
• Carry your previous policy document and a valid ID proof (Aadhaar or PAN). 
• Fill out the renewal form provided at the branch. 
• Pay via Cheque or Demand Draft (cash is generally not preferred for high-value premiums). 
• Collect your payment receipt. 
• Your updated policy will be sent to your registered address or email within a few days.

4) Manipal Cigna Health Insurance: Official Contact Details

Benefits of Renewing a Manipal Cigna Health Insurance Policy Before Expiry

01

Continuous Coverage Without Gaps

Renewing on time keeps your policy active without a break. That means you can raise a claim whenever a medical need arises, without worrying about whether your coverage is valid.

02

Preservation of Waiting Periods

Health insurance plans come with waiting periods for pre-existing conditions, specific illnesses, and maternity benefits. If your policy lapses and you buy a new one, the clock resets to zero. On-time renewal means all the time you’ve served is carried forward.

03

Retention of No-Claim and Loyalty Benefits

Manipal Cigna health insurance plans offer no-claim bonuses, which increase your sum insured for every claim-free year. These rewards are available only if you renew continuously. Miss the renewal deadline, and you risk losing the bonus accumulated over claim-free years.

04

Continuation of the Moratorium Period

The moratorium period is a significant protection for policyholders. After 60 continuous months of coverage, Manipal Cigna cannot reject your claim on grounds of non-disclosure, unless there’s proven fraud. But this can only happen if the policy is active and renewed without a break.

Manipal Cigna Health Insurance Renewal Grace Period

Life gets busy, and sometimes even a renewal reminder slips through the cracks. Manipal Cigna offers a grace period of 15 days for policies with monthly premium payments, and 30 days for policies paid quarterly, half-yearly, or annually. This window allows you to renew after the policy expiry date without losing your accumulated continuity benefits.

Key Things to Keep in Mind During the Grace Period

• Your policy has technically expired during the grace period. Coverage is inactive until the renewal premium is actually paid.
• Claims made during the grace period are generally not accepted. In some cases, the insurer may deduct the overdue premium from your claim payout before settling it, but this is not guaranteed.
• If you renew within the grace period, all your continuity benefits (waiting periods, no-claim bonus, moratorium period) are carried forward. 
• If you don’t renew before the grace period ends, you lose those benefits permanently.

Important Note: If you miss the renewal within the grace period, your policy lapses. You’ll need to buy a new policy, which means going through a fresh underwriting process, disclosing current health conditions, and potentially facing higher premiums or new exclusions. It’s not the end of the world, but it’s avoidable.

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Conclusion

Renewing your Manipal Cigna health insurance is quick, and the online process takes under five minutes. But renewal time is also a good moment to pause and ask: Is my plan still doing its job?

Before you hit “renew,” check a few things. 

• Review your insurer’s recent performance figures, such as the claim settlement ratio and average complaints per 10,000 claims. 
• Is your sum insured still adequate for where you live and your current health profile?
• Have your family circumstances changed (example - a new addition, an aging parent to be covered)? 
• Are there any riders you’ve been meaning to add, such as a consumables cover or a room rent restriction waiver?

If you’re unsure, renewal is the right time to explore health insurance portability, which lets you switch to a different insurer without losing your continuity benefits.