Introduction
ManipalCigna Health Insurance stands as a beacon of holistic healthcare coverage, dedicated to providing comprehensive and accessible solutions for individuals and families. This comprehensive guide aims to illuminate the extensive hospital network associated with ManipalCigna Health Insurance. The focus is on understanding how policyholders can leverage the network, the criteria for empaneled hospitals, and additional information that empowers individuals to make informed decisions about their healthcare coverage.
ManipalCigna Health Insurance is a well-known brand in the insurance sector and is a stand-alone health insurance provider. Manipal Group and Cigna Corporation have partnered to create the business. It provides a wide range of insurance options, including individual insurance, family floater, critical illness, personal accident, group mediclaim, and top-up health insurance to fulfill various customers’ medical needs.
Step 1: Overview of ManipalCigna Health Insurance Embark on your journey by gaining an overview of ManipalCigna Health Insurance. This section outlines the company’s mission, values, and commitment to ensuring the well-being of its policyholders. Understanding the foundation of ManipalCigna sets the context for the significance of its hospital network.
Step 2: Extensive Empaneled Hospitals Explore the extensive network of hospitals empaneled with ManipalCigna Health Insurance. This involves accessing the official website or contacting customer service to obtain a comprehensive list of hospitals covered under the insurance network. The network typically includes reputed hospitals, clinics, and healthcare facilities strategically located across the country.
Step 3: Locating Empaneled Hospitals Delve into the process of locating empaneled hospitals within the ManipalCigna Health Insurance network. The online portal or mobile app serves as a user-friendly tool for policyholders to search for hospitals based on their location, specialization, and services offered. This step ensures easy access to quality healthcare within the insurance coverage.
Step 4: Understanding Hospital Criteria Navigate through the criteria that hospitals must meet to be empaneled with ManipalCigna Health Insurance. This section outlines the stringent standards for quality, infrastructure, and healthcare services that hospitals must adhere to for inclusion in the network. Understanding these criteria assures policyholders of receiving care from accredited and reliable healthcare providers.
Step 5: Additional Information and Benefits Explore additional information and benefits associated with the hospital network of ManipalCigna Health Insurance. This may include features like cashless hospitalization, direct settlement of claims, and exclusive tie-ups with specialized healthcare facilities. ManipalCigna’s commitment to enhancing user experience goes beyond coverage itself.
Additional Information
- Customer Support and Assistance: Highlight the availability of customer support and assistance for policyholders seeking information about empaneled hospitals. Whether through helpline numbers, live chat, or email, ensuring policyholders can access support adds value to the healthcare experience.
- Wellness Programs and Initiatives: Provide insights into any wellness programs or initiatives offered by ManipalCigna Health Insurance. This could include preventive health check-ups, health and wellness workshops, or discounts on health-related services to promote overall well-being.
- Feedback and Testimonials: Showcase feedback and testimonials from policyholders who have utilized the ManipalCigna hospital network. Real-world experiences provide insights into the quality of healthcare services and the effectiveness of the insurance coverage in diverse healthcare scenarios.
By navigating through these steps and additional information, individuals can gain a comprehensive understanding of the hospital network associated with ManipalCigna Health Insurance. Whether considering a new policy or seeking healthcare services, this guide serves as a valuable resource for individuals looking to leverage the extensive and reliable hospital network offered by ManipalCigna Health Insurance.
Manipal Cigna Health Insurance Company Specification
Below mentioned are the key specifications of Manipal Cigna health insurance company
| Particular | Specifications |
|---|---|
| Network Hospitals | 8500+ |
| Incurred Claim Ratio (2021-22) | 76.17% |
| Claim Settlement Ratio (less than 3 hrs) (2021-22) | 99.90% |
| Solvency Ratio (2021-22) | 1.67 |
| Market Share (2021-22) | 986.18 crore |
*Data has been sourced from the annual report of IRDAI 2021-22
Key Features of Manipal Cigna Health Insurance
To understand the advantages and benefits of ManipalCigna Health Insurance check out the key features listed below which will help in a more in-depth analysis of the company and enable you to make a wise choice:
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Network Hospitals
ManipalCigna Health Insurance has tie-ups with more than 8500+ hospitals. These hospitals enable policyholders to avail of cashless treatment when medical emergencies arise.
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Claim Settlement Ratio
Claim settlement ratio of a health insurance company helps you analyze its claims-settling ability. ManipalCigna has one of the best claim settlement ratios in the health insurance industry. As per the annual report of IDRAI 2021-22, ManipalCIgna Health Insurance has a claim settlement ratio of 99.90.
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Solvency Ratio
According to the IRDAI annual report 2021–22, ManipalCigna Health Insurance has a Solvency Ratio of 1.67. Solvency ratios help determine a company’s ability to meet its financial commitments to potential customers. In addition, IRDAI has mandated all insurance companies to maintain a minimum solvency ratio of 1.5.
Manipal Cigna Health Insurance Plan Available in India
Manipal Cigna health insurance offers various types of health insurance plans in India to meet the different healthcare needs of customers. Moreover, ManipalCigna’s flagship health plan ‘ProHealth Insurance Plan’ was awarded Product of the Year in 2019. Below mentioned are the health plans offered by Manipal Cigna Health insurance:
Benefits of Manipal Cigna Health Insurance
ManipalCigna offers various types of health insurance policies such as individual health plans, family health plans, group health insurance, critical illness health insurance, accidental health plan, daily hospital cash insurance, and more. Following are some of the unique benefits and advantages that policyholders can avail of while purchasing the ManipalCigna health insurance plan:
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Healthy Lifestyle Rewards
ManipalCigna promotes healthy living and inspires people to make positive lifestyle changes. Moreover, and offers numerous rewards to people who follow a healthy lifestyle by including multiple features in their health plans.
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Health and Wellness Program
ManipalCigna offer its customers an exclusive health and wellness program that enables holistic wellness.
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High Sum Insured Option
ManipalCigna Health Insurance offers high-sum insured to customers to meet various medical expenses. Additionally, the insurance company has created unique, customizable health plans, especially for international travellers.
Manipal Cigna Health Insurance Plans Premium Calculation
ManipalCigna Health Insurance allows customers to use the ManipalCigna Health Insurance premium calculator to calculate the premium for health insurance plans online. Customers can use this calculator to check the estimated payment amount of their desired ManipalCigna health plan. You just need to enter the below-mentioned details to calculate the premium amount:
- Age
- Date of Birth
- Medical History of the Customer
- Opted Sum Insured Amount
- Additional Riders
- Members added to the policy
- Policy Tenure
Why Buy Manipal Cigna Health Insurance Plans
ManipalCigna has a lot to offer to its customers. Below mentioned are some of the offerings on which you can buy health plans from Manipal Cigna Health Insurance:
- High Claim Settlement Ratio
- 24×7 Customer Support
- Attractive Wellness Programs
- Worldwide Cover
- More than 8500+ empanelled hospitals across PAN India
ManipalCigna Health Insurance Exclusions
Below are the common diseases and conditions that are not covered under Manipal Cigna Health Insurance plans, but they may vary from plan to plan.
- Suicide or attempted suicide
- Cosmetic Surgery
- Sexually transmitted diseases (STDs) like HIV
- Weight reduction treatment
- Alcohol or drug abuse
- Injuries happened due to participation in adventurous sports
- Medical expenses incurred due to war or similar conditions
Importance of ManipalCigna Health Insurance Plans
This health insurance company offers a wide range of health insurance products and immunises insured persons from multiple illnesses and diseases critical health conditions, Covid-19, general diseases, psychiatric disorders, diabetes, unique health hazards, and many more. Keeping in mind the uprising health costs, the company has also offered top-up health plans that act as a cushion cover to the existing health plan. The customer care service and the network hospitals are always in service of the insured persons so that they can avail of the benefits and facilities without any hazards and keep themselves healthy and secure without worrying about their finances. Once a policy-seeker has opted for a health plan from ManipalCigna Health Insurance Company, the rest will be assured.
Health Policies Offered By ManipalCigna Health Insurance Company
ManipalCigna Health Insurance Company has come up with a sack full of health products to cater to the varied needs of different individuals. Some of the important mentions are as follows.
| Type of the plan | Plan Name |
| Hospitalization cover |
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| Personal accident cover |
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| Critical illness care |
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| Daily hospital cash |
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| Group Health Insurance |
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A List of Covered Diseases Offered by ManipalCigna Health Insurance Plans
This company offers protection and security against a wide array of illnesses, diseases, and medical procedures. Some of the important mentions are as follows.
| Serial Number | Name of the diseases/illnesses and procedures covered |
| 1. | Cancer of Specified Severity |
| 2. | Myocardial Infarction (First Heart Attack – of Specific Severity) |
| 3. | AYUSH treatment |
| 4. | Open Heart Replacement or Repair of Heart Valves |
| 5. | Open Chest CABG (Coronary Artery Disease Requiring Surgery) |
| 6. | Stroke Resulting in Permanent Symptoms |
| 7. | Coma of Specified Severity |
| 8. | Kidney Failure Requiring Regular Dialysis |
| 9. | Major Organ Transplantation |
| 10. | Multiple Sclerosis with Persisting Symptoms |
| 11. | Motor Neuron Disease with Permanent Symptoms |
| 12. | Primary Pulmonary Arterial Hypertension |
| 13. | Permanent Paralysis of Limbs |
| 14. | Cancer Reconstructive Surgery |
| 15. | The vaporization of the prostrate (Green laser treatment or holmium laser treatment) |
| 16. | Aorta Graft Surgery |
| 17. | Immunotherapy- Monoclonal Antibody to be given as an injection |
| 18. | Uterine Artery Embolization and HIFU |
| 19. | Deafness |
| 20. | Loss of sight |
Diseases That ManipalCigna Health Insurance Plans Do Not Cover
A few important mentions are:
- Congenital Anomalies, inherited disorders
- Ailments arising out of alcohol and drug abuse
- Diseases due to nuclear radiation or contamination
- Working in underground mines, tunneling, etc.
- Any pre-existing condition or disability arising out of pre-existing diseases
