Manipalcigna Health Insurance: What You Need To Know Before Buying Online

Manipalcigna Health Insurance

Health insurance is an essential aspect of life that cannot be overlooked. It can help you cover the high costs of medical treatments and give you peace of mind in times of health emergencies. When it comes to buying health insurance, one company that stands out is ManipalCigna Health Insurance. ManipalCigna is a joint venture between Manipal Group and Cigna Corporation, a global health insurance provider. If you’re planning to buy ManipalCigna health insurance online in India, here’s what you need to know.

Different types of health insurance plans offered by ManipalCigna

ManipalCigna offers a wide range of Buy health insurance plans to cater to the varying medical needs of individuals and families. The policies offer coverage for hospitalization, pre-and post-hospitalisation expenses, and outpatient expenses. Some of the health insurance policies offered by ManipalCigna are:

Individual Health Insurance – This policy provides coverage to individuals for hospitalization expenses, pre-and post-hospitalisation expenses, and outpatient expenses.

Family Floater Health Insurance – This policy provides coverage to an entire family under a single policy. The policy covers hospitalization expenses, pre-and post-hospitalisation expenses, and outpatient expenses.

Group Health Insurance – This type of policy is designed for groups, such as corporate groups or social groups. The policy offers customised coverage to suit the group’s specific needs.

Critical Illness Insurance – This policy provides coverage for specific critical illnesses such as cancer, heart attack, and stroke. The policy offers a lump sum amount in case the policyholder is diagnosed with the covered critical illness.

Maternity Health Insurance – This policy provides coverage for maternity-related expenses, including delivery charges, pre and post-natal care expenses, and new-born baby expenses.

Things to consider before buying ManipalCigna Health Insurance online

When it comes to buying ManipalCigna health insurance online, there are a few things that you need to keep in mind. Here are some of the things to consider:

Policy options and customisation:

  • Explore the range: Before making a decision, take the time to explore the range of health insurance policies offered by ManipalCigna. Each policy is crafted to address specific healthcare needs, so understanding the options available is crucial.
  • Customisation: Look for policies that allow customization based on your individual or family requirements. ManipalCigna’s online platform should provide clear information on policy features, coverage, and any add-ons or riders that can be included.

Coverage and inclusions:

  • Comprehensive coverage: Assess the extent of coverage offered by ManipalCigna Health Insurance. A good policy should provide comprehensive coverage, including hospitalisation expenses, pre-and post-hospitalisation costs, outpatient treatments, and more.
  • Inclusions: Understand the specific inclusions in the policy, such as coverage for pre-existing conditions, maternity benefits, and critical illnesses. This clarity ensures that you choose a policy that aligns with your healthcare needs.

Claim settlement process:

  • Transparency and efficiency: The claim settlement process is a critical aspect of any health insurance policy. ManipalCigna’s online platform should provide transparency about the claims process, including the necessary documentation and the expected timeline for claim settlement.
  • Customer support: Assess the availability of customer support through the online platform. A responsive customer support team can be invaluable during the claims process, providing assistance and guidance as needed.

Network hospitals:

  • Accessibility: Check the list of network hospitals associated with ManipalCigna Health Insurance. A wide network ensures that you have easy access to quality healthcare facilities. The online platform should offer a user-friendly tool to search for network hospitals in your vicinity.
  • Cashless facilities: Understand the process of availing cashless facilities at network hospitals. ManipalCigna’s online presence should provide clear instructions on how to initiate cashless claims and the documents required for the same.

Premium payment and renewal:

  • Online premium payment: Evaluate the online premium payment options available. A user-friendly interface for premium payment ensures a hassle-free experience. Check for the availability of multiple payment modes, including credit/debit cards, net banking, and digital wallets.
  • Renewal process: Understand the process of policy renewal through the online platform. ManipalCigna Health Insurance should provide timely reminders for policy renewal and a straightforward renewal process that can be completed online.

Customer reviews and ratings:

  • Insights from customers: Before finalising your decision, explore customer reviews and ratings for ManipalCigna Health Insurance. Online platforms often feature testimonials and feedback from policyholders, offering insights into the overall customer experience.
  • Social media presence: Check for ManipalCigna’s social media presence to gauge customer interactions and responses. Social media platforms can provide real-time feedback and serve as a valuable resource for understanding the insurer’s reputation.


ManipalCigna Health Insurance is a reputable health insurance provider with a wide range of policies catering to individuals’ and families varying medical needs. The company offers policies designed to provide comprehensive coverage for hospitalization expenses, pre- and post-hospitalization expenses, and outpatient expenses. Before buying ManipalCigna health insurance online, it’s essential to evaluate your medical needs and understand the policy’s coverage benefits, terms, premium, renewal terms, and network hospitals. By keeping these factors in mind, you can make an informed purchase decision and choose a health insurance policy that provides the coverage benefits you need.

Recommended For You

About the Author: ssrajdeep


Leave a Reply

Your email address will not be published. Required fields are marked *