Tips for buying best mediclaim insurance
India health insurance tips and tricks to choose the best medical insurance in India.
Click here to read moreManipal Cigna offers their health insurance insureds the option of availing quality treatment at more than 6500+ leading hospitals across the country. They have an incurred claims ratio of 62.00%, and also covered 11.01 lac lives during the same year 2018-19, as per the data provided by IRDAI.
2.5 lacs − 100 lacs options available
62.00%
1 or 2 years options available
87.53%
6,500+ hospitals
2,90,846
Self, Spouse + 3 dependent children
4,801,230
* As per IRDAI report for 2020-21 | As per NL25 data published on the Insurance Company website
Manipal Cigna Lifestyle Protection-Critical Care offers you payment of the entire Sum Insured on first diagnosis of 15 or 30 major illnesses and procedures.
Get Premium » Know More »Age Limits | |
---|---|
Adults | 18 and above |
Children | 91 days to 23 years as dependent children * |
Coverage Benefits | Prohealth Protect | Prohealth Plus | Prohealth Preferred | Prohealth Premier | Prohealth Accumulate |
---|---|---|---|---|---|
Sum Insured (SI) | |||||
2.5lakhs, 3.5lakhs, 4.5lakhs, 5.5lakhs, 7.5lakhs, 10lakhs, 15lakhs, 20lakhs, 25lakhs, 30lakhs, 50lakhs | 4.5lakhs, 5.5lakhs, 7.5lakhs, 10lakhs, 15lakhs, 20lakhs, 25lakhs, 30lakhs, 50lakhs | 15lakhs, 30lakhs, 50lakhs | 100lakhs | 5.5lakhs, 7.5lakhs, 10lakhs, 15lakhs, 20lakhs, 25lakhs, 30lakhs, 50lakhs | - |
BASIC | |||||
In-patient Hospitalization | |||||
Covered upto Single Private Room for SI upto 5.5 Lacs & any hospital room except suite and higher for SI above 5.5 lacs | Any hospital room except Suite | Any hospital room except Suite | Any hospital room except Suite | Covered upto Single Private Room for SI upto 5.5 Lacs & any hospital room except suite and higher for SI above 5.5 Lacs | - |
Pre - Hospitalization | |||||
Upto 60 days | |||||
Post - Hospitalization | |||||
Upto 90 days | Upto 180 days | Upto 90 days | |||
Day Care treatment | |||||
500 plus listed Day Care treatments covered upto Sum Insured | |||||
Domiciliary Treatment | |||||
Treatment at home covered upto Sum Insured | |||||
Ambulance Expenses | |||||
Upto Rs.2000 per event | Upto Rs.3000 per event | Actual expenses per event | Actual expenses per event | Upto Rs.2000 per event | |
Donor Expenses | |||||
Covered upto Sum Insured | |||||
Worldwide Emergency Cover | |||||
Covered up to full Sum Insured once in a Policy Year | |||||
Restoration Of Sum Insured | |||||
Multiple Restoration is available in a Policy Year for unrelated illnesses, injury in addition to the Sum Insured opted | |||||
AYUSH Cover | |||||
In-patient hospitalization covered upto Sum Insured | |||||
health Maintenance Benefit | |||||
Upto Rs.500 | Upto Rs.2,000 | Upto Rs.1,500 | Upto Rs.1,500 | Option - Rs.5,000, Rs.10,000, Rs.15,000, Rs.20,000 | |
Maternity Expenses^ | |||||
Rs.15,000 for normal; Rs.25,000 for C-section (per event) | Rs.50,000 for normal; Rs.1 lac for C-section (per event) | Rs.1 lac for normal; Rs.2 lacs for C-section (per event) | |||
New Born Baby Expenses^ | |||||
- | Covered within maternity expenses | - | - | ||
First Year Vaccinations^ | |||||
- | Covered over & above maternity expenses | - | - | ||
VALUE ADDED | |||||
health Check-Up (for all insured aged 18 years & above) | Available once every 3rd policy year | Available each policy year(excluding the fi rst year) | Available once every 3rd policy year | ||
Expert Opinion on Critical illness | |||||
Available once during the Policy Year | |||||
Cumulative Bonus(% increase in Sum Insured) | |||||
Guaranteed 5%, Max -200% | Guaranteed 10%, Max - 200% | Guaranteed 5%, Max -200% | - | ||
Healthy Rewards | |||||
Earn points equivalent to 1% of premium paid and additional points max. upto 19% from our wellness programs. Redeem earned points against renewal premium or as health Maintenance Benefit anytime or as equivalent value while availing services through our Network Providers | |||||
OPTIONAL | |||||
Hospital Daily Cash Benefit (for each 24 hours hospitalization | Rs.1000 | Rs.2000 | Rs.3000 | Rs.3000 | Rs.1000 |
Deductible* | |||||
Rs 1/2/3/4/5/7.5/10 Lacs | - | - | Rs. 50,000, 1/2/3/4/5/7.5/10 Lacs | ||
Reduction in Maternity Waiting | |||||
- | Maternity waiting period Reduced from 48 months to 24 months | - | |||
Voluntary CoPayment* | |||||
10% or 20% as opted | - | - | 10% or 20% as opted | ||
Waiver of Mandatory Co-pay | |||||
Cumulative Bonus Booster | |||||
Guaranteed 25%, Max - 200% | - | Guaranteed 25%, Max - 200% | |||
ADD ON | |||||
Critical Illness# (lumpsum additional 100% of SI opted) |
Step 1 | Get admitted to any one of Manipal Cigna network hospitals, currently they have 6500+ hospitals across India…hospital list at
https://www.eindiainsurance.com/manipalcigna/health/ Contact Toll free Healthline 1800-419-1159 Before you seek medical treatment we request that you contact us 3 days in advance. This will allow our health relationship managers to help you follow the next few steps. In case of emergency, you can contact us within 24 hours of admission to the hospital. |
Step 2 | Your Identification : At the network hospital you will need to show your Manipal Cigna health insurance health card and valid photo ID*, along with your policy number, to be able to use your insurance . This will give the network hospital the details they need to contact us for the cashless hospitalization process. * - Passport / PAN card / voter’s ID for identification purposes |
Step 3 | Hospital sends cashless hospitalization request form : The network hospital will send us the preauthorization request form which has details of medical history, line of treatment and estimated treatment cost. |
Step 4 | Manipal Cigna health insurance contacts Hospital : Wherever the information provided in the request is sufficient to ascertain the authorization, we will issue the authorization Letter to the network hospital. Wherever additional information or documents are required we will call for the same from the Network hospital and upon satisfactory receipt of last necessary documents the authorization will be issued. |
Step 5 | Updates from Claims Service Associate : If such a service is requested by you, our claims service associate helps you navigate through the paper work and forms |
Step 6 | At the time of Discharge : Hospital will send us the final request for authorization of any residual amount along with final hospital bill and discharge summary. You will be discharged from the hospital upon receipt of final authorization letter from us. Any inadmissible expenses, copayments, deductions will have to be paid by you. |
Step 7 | Payment to the network hospital made by Manipal Cigna health insurance : Once the Hospitalization is done, hospital will send the original claim documents to us. The claim will be assessed by us and payment will be made to the network hospital |
Step 1 | Contact Toll free Healthline 1800-419-1159 Before you seek medical treatment we request that you contact us 3 days in advance. This will allow our claims service associate to help you follow the next few steps. In case of emergency, you can contact us within 24 hours of admission to the hospital. |
Step 2 | Avail treatment at the hospital: You can avail treatment at hospital and settle all hospitalization expenses. Collect original hospital bill, receipts, discharge summary, investigation reports, pharmacy bills and other documents from hospital at the time of discharge from hospital. |
Step 3 | Submit the claim document: You have to download the claim form from our website www.Manipal Cigna.com. Copy of this form is also included in the policy kit provided to you. Alternatively, you can contact your health advisor or visit nearest Manipal Cigna health insurance branch. Submit the claim documents at nearest Manipal Cigna health insurance branch or Corporate office. The documents should be submitted within 15 days from discharge from the hospital. |
Step 4 | We assess the claim: Wherever the information provided in the claim documents is sufficient to ascertain the admissibility of claim, we will approve the claim. Wherever additional information or documents are required we will call for the same from you and upon satisfactory receipt of last necessary documents the claim will be settled by us. |
Step 5 | Updates from Claims Service Associate: If such a service is requested by you, our claims service associate helps you navigate through the paper work and forms. |
Step 6 | Settlement of claim: Upon approval of claim by us, payment of the reimbursement claim will be made to the policy holder either through EFT or through cheque/DD. |
India health insurance tips and tricks to choose the best medical insurance in India.
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Know more »ManipalCigna Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 6,500+ Hospitals
Know more »Compare Indian health insurance policies, Health insurance India comparison
Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
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