Quick Overview

Manipal Cigna Health Insurance (IRDAI Registration Number: 151) is a leading standalone private health insurer. It was formed as a joint venture between the Manipal Group and Cigna Healthcare. Previously called Cigna TTK Health Insurance and rebranded to Manipal Cigna in 2019, it serves 15 million+ customers across 600+ cities with 100+ branches. Its flagship plans, Sarvah, ProHealth Prime, and LifeTime Health, and it is backed by 8,500+ network hospitals. 

The insurer recorded a three-year average claim settlement ratio (CSR) of 90.80% (FY 2022–25), slightly below the industry average. A 25-year-old in Delhi would pay ₹12,766 a year for a ₹50 lakh cover under its LifeTime Health plan. This guide discusses how Manipal Cigna operates compared to its industry peers.

Headquartered in Mumbai, Maharashtra, Manipal Cigna Health Insurance is a company that blends global healthcare expertise with deep Indian roots. Though national in reach, the company has been aggressively expanding in southern India, especially in Tamil Nadu and Kerala.

While Manipal Cigna won ‘Product of the Year 2025’ for the Sarvah plan, hurdles remain. Its financials have shown losses in recent years, and LIC may reportedly acquire a 40–49% stake, potentially reshaping its future.

In this Manipal Cigna Health Insurance review, we will walk you through its key performance metrics, top plans, premiums, and how it compares to other top insurers.

Not sure if Manipal Cigna is the right insurer for you? Book a free call or chat on WhatsApp with a Ditto advisor to find out.

Manipal Cigna Health Insurance Performance Metrics

Metrics (FY 2022-25)Manipal Cigna Health InsuranceIndustry Average
Claim Settlement Ratio (CSR)90.80%91.22%
Incurred Claim Ratio (ICR)67.75%81.88%
Complaints Received Per 10,000 Claims 23.5027.06
Gross Written Premium (GWP)/ Annual Business - Total Health (in Crore)₹1,215₹3,969

Source: IRDAI annual reports and Manipal Cigna Health Insurance’s public disclosures

Key Insights: 

    • CSR: Manipal Cigna has settled claims at a rate that almost matches the industry average, which indicates the insurer’s faster and easier settlements.
    • ICR: The ICR is within the healthy 50–80% range, indicating the insurer is settling claims without overextending its financial resources. This can also help keep premium hikes more stable.
    • Annual Business: The insurer's current business scale is smaller than its peers’ multi-thousand-crore portfolios. It also indicates a weaker overall business presence.
    • Complaints: The volume of complaints is higher than the median but still lower than that of other insurers.
    • Network Hospitals: The hospital network (8,500+) falls short of the recommended count of 10,000+ hospitals, which is required to cover policyholders across metro cities or towns.
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Did You Know?

According to Manipal Cigna’s annual report (FY 2024–25), claim settlement remained efficient, with an average turnaround time of three days. About 89% of outstanding claims were settled within 30 days, with less than 0.5% pending for more than a year, indicating strong operational control.

Top Plans Offered by Manipal Cigna Health Insurance

1) Manipal Cigna Sarvah

Manipal Cigna Sarvah is the flagship health insurance plan designed to meet the diverse healthcare needs of every Indian. It comes in three variants, Pratham, Uttam, and Param, and the sum insured ranges from ₹5 lakh to ₹3 crore.

Key Features

    • Unlimited tele-consultations with general physicians and no zonal co-pay restrictions.
    • Pre- and post-hospitalization expenses up to 90-180 days
    • Domiciliary hospitalization, AYUSH treatments, donor expenses, and road ambulance services.
    • Optional benefits like Anant for unlimited critical illness coverage and Gullak for a guaranteed cumulative bonus up to 1500% of the sum insured.
    • Unlimited restoration, maternity, and consumables cover (depending on the plan variant).

2) Manipal Cigna ProHealth Prime

Manipal Cigna ProHealth Prime is a comprehensive health insurance plan offering sum insured options from ₹3 lakh to ₹1 crore. The plan comes in three variants: Prime Protect (the most comprehensive), Prime Advantage, and Prime Active.

Key Features

    • Covers pre- and post-hospitalization expenses
    • Domiciliary hospitalization, daycare, AYUSH, donor expenses, road ambulance, and unlimited tele-consultations. 
    • Unlimited restoration of sum insured for related or unrelated illnesses.
    • Guaranteed cumulative bonus of 25% (maximum) every year up to 200% of the sum insured, irrespective of claims (depending on variant).
    • Waiver of next year’s renewal premium on listed contingencies, and switch off coverage up to 30 days for a discount in premiums.
    • Optional add-ons like maternity and newborn cover, worldwide emergency hospitalization and OPD, non-medical expense cover, or personal accident cover. 

3) Manipal Cigna LifeTime Health

Manipal Cigna LifeTime Health is a health insurance plan designed for people who want high coverage with the flexibility of domestic and optional global protection. Its sum insured ranges from ₹50 lakh to ₹3 crore.

Key Features

    • Covers hospitalization expenses, day care treatments, pre- and post-hospitalization, domiciliary treatment, AYUSH, donor expenses, and road ambulance services up to the sum insured.
    • Comes with benefits like any room category for select high sum insured options, unlimited restoration for unrelated illnesses, and a premium waiver for 1 year on covered contingencies.
    • Offers a guaranteed cumulative bonus of 15% per policy year, regardless of claims on the India coverage sum insured, with no cap on accumulation.
    • The Global variant adds international protection features, including global hospitalization for listed major illnesses, global pre- and post-hospitalization, global ambulance cover, medical evacuation, and medical repatriation, depending on the chosen area of cover. 

4) Manipal Cigna Prime Senior

Manipal Cigna Prime Senior is a senior citizen health insurance plan designed for people aged 56 years and above. It comes in two variants: Classic and Elite. The plan’s available sum insured ranges from ₹5 lakh to ₹50 lakh. 

Key Features

    • Covers hospitalization expenses, pre- and post-hospitalization, domiciliary hospitalization, AYUSH, road ambulance, donor complications, and modern treatments. 
    • Offers cashless health check-ups, and an option to cover pre-existing diseases from the 91st day onwards through an optional upgrade. 
    • Unlimited restoration of sum insured for both related and unrelated illnesses in select variants.
    • Guaranteed cumulative bonus of 10% every policy year, up to 100% of the sum insured.

Premium Comparison for Manipal Cigna Health Insurance

ProfilesSarvah ParamLifeTime Health
(Individual Plan): Age 25-₹12,766
(Family Floater, 2A): Ages (31, 32)₹33,922₹17,294
(Family Floater, 2A 1C): Ages (35, 34, 5)₹45,904₹23,750
(Family Floater, 2A): Ages (62, 63)₹1,08,607₹79,111

Note: Here, A stands for adults and C denotes children. The premiums above are for a ₹50 lakh cover, with select add-ons, assuming the insured person lives in Delhi (110010). Your premium can change based on city, age,medical history, plan variant, and chosen add-ons.

Manipal Cigna Health Insurance: Contact Details and Address

Customer Support Details

Registered Office

401/402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400 063, Maharashtra 

Top 10 Health Insurance Companies in India

RankInsurerClaim Settlement RatioComplaint Volume (Per 10,000 Claims)Annual Business Volume (in Crore)
1HDFC ERGO96.71%9.28₹6,118
2Bajaj General96.78%3.07₹6,119
3Aditya Birla95.81%18.67₹3,290
4Care Health93.13%42₹6,775
5Niva Bupa91.62%42.85₹5,481
6SBI General96.14%20.51₹3,329
7Go Digit98.66%16.88₹1,388
8Generali Central91.78%11.02₹3,989
9ICICI Lombard84.50%10.67₹6,794
10TATA AIG88.72%10.65₹3,165

Manipal Cigna Health Insurance is not among the best health insurance companies in India due to a higher complaint volume and a smaller scale of operations. Our rating methodology considers multiple factors, such as CSR, GWP, product portfolio, and business size, to provide a well-rounded view.

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Manipal Cigna Health Insurance Review
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Ditto’s Take on Manipal Cigna Health Insurance

Manipal Cigna stands out as a decent insurer overall, especially for those seeking comprehensive and customizable protection. While the insurer has strong performance metrics and an excellent promoter backing, it operates on a smaller scale than its industry peers. For more details, check out our guide on the best health insurance plans. 

If you also want to explore other insurers with strong claim reliability and greater business scale, consider HDFC Ergo and Care Health. 

Frequently Asked Questions

What is the Manipal Cigna Health Insurance claim settlement ratio?

The average CSR of Manipal Cigna Health Insurance for FY 2022-25 is 90.80%, which is almost equal to the industry average of 91.22%. This shows that the insurer has a reliable track record of settling claims compared to most market players.


However, CSR alone should not be the only deciding factor while choosing a health insurance plan. You should also look at the insurer’s incurred claim ratio, complaint volume, cashless hospital access, and policy-specific restrictions. A strong CSR indicates reliability, but the actual claim experience may still vary depending on documentation, hospital coordination, and the type of claim raised.

What are the Manipal Cigna Health Insurance disadvantages?

Manipal Cigna appears to process most claims in-house, while some cases may still involve third-party administrators (TPAs). Service experience can vary depending on the claim route and case specifics. 


The insurer operates on a smaller scale than larger players. Complaint volumes may be a concern relative to its scale. Other insurers like HDFC Ergo operate at a much larger scale with comparatively fewer complaints. Customers should review Manipal Cigna’s claim experience, complaint record, and hospital availability in their city before choosing a plan.

Is Manipal Cigna a good health insurance company?

Manipal Cigna Health Insurance plans are excellent choices for comprehensive and customizable protection. Features such as unlimited restoration, cumulative bonuses, wellness discounts, maternity, and global coverage make plans like Sarvah Param and LifeTime Health attractive on paper. 


Currently, Manipal Cigna serves over 15 million+ customers and has established a significant footprint with more than 8,500+ network hospitals across the country. However, the hospital network is slightly lower than the ideal benchmark of 10,000+ hospitals, which may limit cashless access in some smaller towns. So, before buying, customers should check the availability of nearby network hospitals and compare plan-specific limits, exclusions, and premiums carefully.

How do I file a claim with Manipal Cigna Health Insurance?

For planned treatments, inform the insurer at least 48 to 72 hours before admission to secure pre-authorization. For emergencies, notify within 24 hours of hospitalization. For reimbursement, submit all original medical documents to a Manipal Cigna branch within 15 days of your discharge from the hospital. 


You can also track your claim status through the Manipal Cigna website, customer care, or by visiting the nearest branch. Make sure all bills, discharge summaries, prescriptions, investigation reports, and payment receipts are complete and accurate to avoid delays. For cashless claims, check whether the hospital is part of Manipal Cigna’s network before admission.

How does Manipal Cigna compare to HDFC Ergo?

HDFC Ergo is an industry leader with a massive network of over 13,000+ hospitals and a consistently high CSR of 96.71 (FY 2022-25). 


Manipal Cigna is highly regarded for its customizable product suite, such as the Sarvah and LifeTime Health plans. They offer features like global coverage and maternity add-ons.


If you prioritize a massive, established brand with a larger hospital network, HDFC Ergo might be the choice. But if you want high-end customizable features, Manipal Cigna is a strong choice.

Does Manipal Cigna offer maternity coverage?

Yes, maternity coverage is a feature available under specific Manipal Cigna plans, such as ProHealth Prime Active and certain variants of the Sarvah policy. This is usually offered as an optional add-on, so make sure to check your specific policy schedule to see if it is included. 


Maternity benefits cover delivery expenses, including both normal and cesarean sections, and coverage for the newborn child. However, the coverage is always subject to specific waiting periods that are clearly defined in the policy wording.

What is a cumulative bonus and does Manipal Cigna offer it?

A cumulative bonus is an incentive that increases your base sum insured for every claim-free year. Manipal Cigna offers cumulative bonuses on several of their plans, which can significantly boost your total coverage over time. 


Some plans like ProHealth Prime even allow for a guaranteed cumulative bonus that increases your base sum insured up to 200% over time. This is regardless of whether you make a claim or not. This makes the feature especially useful for long-term policyholders who want their cover to grow without repeatedly increasing their premium.

Is Manipal Cigna good for senior citizens?

Manipal Cigna offers specific plans for senior citizens, such as the ProHealth Prime Senior Elite variant, which considers the higher healthcare needs of older individuals. These plans often include features like reduced waiting periods or specific wellness benefits that cater to age-related health issues. 


However, premiums for senior citizens are higher due to increased risk profiles. Always compare the premium and coverage limits of the senior-specific plans against standard family floater plans before making a final decision.

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