Manipal Cigna Health Insurance Renewal Process: Online & Offline Steps

Health insurance protects you from sudden medical expenses, but it works only when your policy remains active. This makes timely renewal of your health insurance policy essential.

If you have a Manipal Cigna health insurance plan, the renewal process is straightforward. In this guide, we explain the complete process and why maintaining continuous coverage is important.

How to Renew a Manipal Cigna Health Insurance Policy?

1. Manipal Cigna Health Insurance Renewal Through the Official Website

Step 1: Go to the ManipalCigna 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.

Step 4: Review your current plan. Here, you can also opt to increase your Sum Insured or add riders.

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

Step 6: Download your renewed policy document immediately.

After successful payment you receive an instant confirmation. The renewed policy document is sent to your registered email.

2. Manipal Cigna Health Insurance Renewal Through the "myManipalCigna" App

The mobile app is convenient for managing your policy on the go.

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, locate your active policy. If it is near expiry, a "Renew Now" notification will appear.

Step 4: Tap "Renew," verify the premium amount, and proceed to the payment gateway.

Step 5: Once paid, your policy will be updated in the "My Policies" section of the app.

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

Use this alternative if you prefer personal assistance or need to make complex changes (like adding a new family member which might require extra forms).

• Through Customer Care: Call the toll-free number 1800 102 4465. The executive will verify your details and send a secure payment link to your email or SMS.
• At a Branch Office: 
  • Visit the nearest Manipal Cigna branch. 
  • Carry your previous policy document and an ID proof (Aadhaar/PAN). 
  • Fill out the renewal form. 
  • Pay via Cheque or Demand Draft (Cash is generally discouraged for high-value premiums). 
  • Collect your payment receipt. The final policy will be posted to your address or emailed within a few days.

Manipal Cigna Health Insurance Renewal Grace Period

Manipal Cigna health insurance also offers a grace period of 15 days for policies with monthly premium payments and 30 days for those with annual, half yearly or quarterly payment modes. This period allows you to renew your existing policy after expiry without losing accumulated continuity benefits.

Key Considerations to Keep in Mind: 

• You can still renew your policy during the grace period, but coverage remains inactive until the renewal premium is paid. 
• Claims made during the grace period are generally not accepted. Alternatively, the insurer may first deduct the due premiums before processing the claim. 
• If you do not renew before the grace period ends, you may permanently lose continuity benefits.

Benefits of Renewing a Manipal Cigna Health Insurance Policy Before Expiry

01

Continuous Coverage Without Gaps

Timely renewal ensures your policy remains active without any break. The coverage continues and you can raise claims whenever a medical need arises.

02

Preservation of Waiting Periods

Health insurance plans include waiting periods for pre-existing diseases, specific illnesses, and maternity benefits. When you renew on time, the completed portion of these waiting periods carries forward and does not restart.

03

Retention of No-claim and Loyalty Benefits

Manipal Cigna health insurance plans offer benefits such as increased sum insured (via bonus) or discounts for claim-free years. These rewards depend on continuous policy renewal, and missing the renewal deadline may lead to their loss.

04

Continuation of the Moratorium Period

On-time renewal helps your moratorium period continue without interruption. After completion of 60 months, claims cannot be rejected due to non-disclosure, provided there is no fraud or misrepresentation.

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Conclusion

Manipal Cigna Health Insurance renewal takes only a few minutes when done online or through the mobile app. The most important step is to renew before the expiry date to avoid losing continuity benefits, no-claim rewards, or active coverage. 

If you are unsure about your renewal terms or want to review other suitable options before renewing, expert advisors can help you make an informed decision.

Note: Manipal Cigna Health Insurance is not a partner insurer. The information shared above is based on publicly available sources and Manipal Cigna’s official website.