Health Insurance
Manipal Cigna Health Insurance
ManipalCigna Health Insurance company is a joint venture between Manipal Group and Cigna- a pioneer in health services industry with over 200 years of experience. It has six health insurance policies that offer a wide range of features. Some of its policies offer maternity cover, unlimited times restoration of sum insured, and even emergency hospitalization cover during international travel.
Manipal Cigna Health insurance plans
ProHealth Select
ProHealth Select is an economical option. However you do have to make sure you pick a room whose rent doesn't exceed ₹3,000. Because if you don't, you might end up footing a good part of the bill even with insurance. So do read more below.
ProHealth Accumulate
ProHealth Accumulate is a good policy. It covers most bases. It doesn't have outrageous conditions, it pays for emergency treatments when you're abroad. and offers cover for outpatient consultations. However considering they include the outpatient benefit, it's much more expensive than ProHealth Protect - another similar policy from the Manipal Cigna stable.
ProHealth Preferred
Prohealth Preferred offers a whole host of benefits. It covers most bases. It doesn't include outrageous conditions. It even offers coverage for maternity. And it has low waiting period for pre-existing diseases. All in all, a solid pick, albeit very expensive.
Super Top-up
Manipal Cigna Super Top Up plan is a pretty decent plan with very few restrictions. And while it does not offer a disproportionately large cover (as the plan comes with a maximum cap of 30 lakhs), it still offers you a bonus of 5% each year and you could take your sum insured to about 45 lakhs if you wait long enough.
ProHealth Protect
ProHealth Protect is a good policy. It covers most bases. It doesn't have outrageous conditions. It pays for emergency treatments when you're abroad. The only caveat? They'll make you wait 4 years before covering complications arising out of pre-existing diseases (like diabetes).
ProHealth Plus
ProHealth Plus is a great policy. It covers most bases. It doesn't have egregious conditions, it pays for emergency treatments when you're abroad, offers cover for maternity related expenses and even reimburses you for outpatient consultations (upto 2,000). The only caveat - It is a fairly expensive policy.
ProHealth Premier
This is for the Ultra rich. No, seriously. It offers a gigantic cover of 1 Crore. It pays for regular outpatient consultations when you visit the doctor (up to 15,000), has relatively low waiting period for your pre-existing diseases. And it also provides International coverage. It truly is one of a kind.
Manipal Cigna Health insurance claim process
Manipal Cigna Health Insurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Manipal Cigna's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Manipal Cigna Customer Care
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