Manipal Cigna Health Insurance Review – Forbes Advisor INDIA


Manipal Cigna ProHealth Prime

It’s a comprehensive medical health insurance product, which is best fitted to large families, nuclear families and individuals also. It ensures wider coverage that ranges from INR 3 lakh to INR 1 crore.

Key Features:

This policy is out there in three variants:

Other Common Features:

  • The insured has the liberty to decide on any room; could be suite category or above.
  • Unlimited refill of sum assured amount if in case it gets exhausted.
  • Unlimited consultations through telephonic calls.
  • Second opinion from a health care provider could be availed for all of the 36 critical illnesses.
  • Optional coverage of non-medical costs equivalent to food, laundry, thermometer, telephone or web costs.

Manipal Cigna Lifetime Health Plan

This plan is designed in such a way that fulfills one’s all of the medical health insurance needs for his or her entire life. The sum insured ranges from INR 50 lakh and goes as much as INR 3 crore. This plan is best fitted to self and families because it ensures higher coverage and wider advantages, in India or abroad.

Key Features:

The plan is available in two variants:

Other Common Features:

  • Coverage of hospitalization costs.
  • Coverage of daycare treatment is out there.
  • Coverage for AYUSH treatment costs.
  • Road ambulance and donor costs are covered.
  • Modern treatments equivalent to robotic surgeries can be found.
  • Coverage for treatment related to HIV/AIDS and sexually-transmitted diseases are covered.
  • Optional coverage of critical illness is roofed in each the plans.
  • Annual health check-up is out there once in a policy yr to the insured aged above 18 years.
  • The insured can avail premium waiver profit, where premium renewal amount for one yr is incurred by the insurance company, if the insured is diagnosed with any of the critical illnesses or in case of accidental death, total disablement, or everlasting partial disablement.
  • The insured under India plan can select optional packages for health and girls, and under global plan, the insured has the choice to pick health, women and global as their optional packages.

Manipal Cigna Pro Health Insurance

It is a comprehensive hospitalization plan that comes for self and family floater options providing a sum insured as much as INR 1 crore. The plan has five variants: Protect, Plus, Preferred, Premier, Accumulate.

Key Features:

Manipal Cigna Pro Health Select Plan

This plan could be customized, meaning the insured has the liberty to design their very own health policy. The sum insured coverage is from INR 50,000 to INR 25 lakh. This comes for self, family and multi individual options.

Key Features:

  • The policy is available in two variants: Select A and Select B.
  • The policy tenure is until three years.
  • The insured has the choice to waive off sub-limits on room rent and ICU charges.
  • The insured gets the health reward points as much as 10% of the premium amount paid.  These points could be further utilized on the time of policy renewal.
  • The insured can avail Reassurance profit, where the sum insured amount gets refilled once the primary claim gets settled, so the insured isn’t wanting coverage.
  • The policy could be top-up by INR 1 lakh to INR 5 lakh.
  • Optional covers on the payment of additional premium:

1. Deductible
2. Re-Assurance
3. Voluntary co-pay
4. Health check up
5. Cumulative bonus booster
6. Worldwide emergency cover
7. Removal of room rent limit
8. Disease specific sub limits
9. Health maintenance profit
10. Coverage for 11 critical illnesses equivalent to cancer, heart stroke.

Manipal Cigna Super Top-up Plan

It is a top-up policy by the Manipal Cigna which provides extra advantages and wider coverage above and beyond the regular health plan. The sum insured coverage of this top-up plan is from INR 1 lakh to INR 30 lakh with deductibles as much as INR 10 lakh. A brilliant top up policy is a sensible alternative, nonetheless, it will be significant to decide on the fitting deductible.

Key Features:

  • This policy has two variants: Super Top Up Plus and Super Top Up Select.
  • The Super top up plus sum insured ranges from INR 3 lakh to INR 30 lakh.
  • The Super top up select sum insured ranges from INR 1 lakh to INR 30 lakh.
  • Other common features are as follows:

1. Coverage of inpatient hospitalization expenses, when admission is greater than a day.
2. The insured can go for any room category.
3. Pre-and post-hospitalization costs are covered as much as 60 and 90 days, respectively.
4. Coverage for non-medical costs as much as actual expenses.
5. Coverage for organ donor expenses.
6. Avail 5% additional sum insured every policy yr, maximum as much as 50%.
7. Add-on cover for 11 critical illnesses equivalent to cancer, heart stroke.

Manipal Cigna Pro Health Money Plan

This plan provides a each day hospital money profit to the insured on the time of hospitalization, and thus covers all of the expenses and costs arising out of hospital admission. The each day money profit ranges from INR 500 to INR 5,000 on daily basis.

Key Features:

  • Online renewal discount of three% and family discount of 10% for covering three or more members of the family.
  • Option to decide on personal accident cover from INR 50,000 to INR 25 lakh.
  • The plan has two variants: Basic and Enhanced plans.
  • The fundamental plan offers advantages equivalent to money coverage for ICU and sickness, optional daycare treatment profit.
  • The improved plan includes all the advantages of the essential plan and offers additional advantages equivalent to worldwide coverage, convalescence profit which covers expenses in the course of the recovery of an injury or illness.
  • The improved plan also offers compassionate advantages, which is expounded with helpful advantages equivalent to inpatient and day care of the patient.

Manipal Cigna Aarogya Sanjeevani Plan

It is a low-cost and basic medical health insurance plan which covers the overall health care needs of the people, providing the coverage as much as INR 10 lakh. This plan is out there for self, family and multi individuals. The Aarogya Sanjeevani medical health insurance plan is sweet when someone is in search of an economical option which covers you from each Covid-19 and other illnesses.

Key Features:

  • Coverage for AYUSH treatment costs.
  • Coverage for contemporary and advanced treatment costs like laser and robotic surgeries.
  • Is available in multiple sum insured options starting from INR 50,000 to INR 10 lakh.
  • Coverage also includes pre- and post-hospitalization costs, charges for ICU, and hospital room rent.
  • There is identical premium no matter which the insured belongs to.

Manipal Cigna Corona Rakshak Plan

That is a typical policy that covers all the prices and expenses related to Covid-19. The sum insured of this policy starts from INR 50,000. The policy is out there on a person basis and doesn’t have a family floater option.

Key Features:

  • 100% lump sum payout of the sum insured amount on the positive diagnosis of Covid-19.
  • Lump sum payout is given when the hospitalization is for a minimum period of 72 hours.
  • The waiting period is 15 days.
  • The policy tenure is 3.5 months, 6.5 months and 9.5 months.

Manipal Cigna Corona Kavach Plan

It is a policy specially designed to cover the hospitalization expenses on the positive diagnosis of Covid-19. It provides coverage as much as INR 5 lakh. The policy is out there for each family floater and individual options.

Key Features:

  • Coverage for pre- and post- hospitalization for 15 days and 30 days respectively.
  • Coverage for AYUSH treatment with an option of hospital each day money.
  • Add-on coverage for hospital each day money of 0.5% of the sum insured on daily basis, maximum as much as 15 days.
  • Coverage for the prices related to any hospitalization for a minimum period of 24 consecutive hours.
  • Coverage for ambulance charges for max as much as INR 2,000.
  • Avail home treatment for a maximum as much as 14 days.
  • 5% discount on premium provided to healthcare staff.
  • The waiting period is 15 days.

Manipal Cigna Critical Care Plan

This plan provides protection against life-threatening diseases equivalent to cancer, heart attack, brain stroke, asthma and lots of more. This plan covers as much as 30 major critical illnesses with the sum insured amount starting from INR 1 lakh to INR 25 crore. It offers your complete sum insured amount on first diagnosis of listed critical illnesses. The plan is available in two variants: Basic and Enhanced plan.

Key Features:

  • The fundamental plan covers 15 critical illnesses and the improved plan covers 30 critical illnesses.
  • Each the plans provide the lump sum payout or staggered payout option.
  • Worldwide coverage.
  • The insured can avail the advantages under online rewards programs.
  • Discount on premium as much as 10% for covering greater than two members.
  • Discount of seven.5% and 10% on selecting a two- and three-year policy respectively.
  • Get coverage for availing second medical opinions from a networked medical practitioner.

Manipal Cigna Accident Care Plan

This plan ensured financial help and provided safety in case of any unlucky events equivalent to accidental death or everlasting or temporary disability on account of accident. The policy is available in three different variants: basic, enhanced and comprehensive plan. The sum insured ranges from INR 50,000 to INR 10 crore.

Key Features:

  • Worldwide coverage is from day certainly one of the policy purchased.
  • 100% compensation to the insured’s family in case of an accidental death.
  • The fundamental plan doesn’t cover everlasting total and partial disablement, but the improved and comprehensive plan covers these two riders.
  • The fundamental plan doesn’t provide any coverage for child’s education fund, lack of employment on account of any form of disability arising out of accidental injuries. Nonetheless, the opposite two plans provide coverage for a similar.
  • The insured provides a one-time payment for a toddler’s education fund which is reminiscent of 10% of the sum insured.
  • For the coverage of temporary disablement, the insured has to take an add-on cover.
  • Other optional covers of burns profit, broken bones profit, coma profit, can be found to reinforce the coverage under each plan.
  • Funeral expenses and emergency ambulance coverage can be found in all of the plans.

Manipal Cigna Sural Suraksha Bima

It is a very basic form of accident policy, which provides the coverage as much as INR 1 crore. This policy is sort of reasonably priced and cost-effective which covers the unexpected expenses arising out of accidental death and injuries.

Key Features:

  • Provides 100% compensation of the sum insured in case of an accidental death.
  • Provides 100% compensation of the sum insured in case of a everlasting total disablement.
  • Option to extend the coverage by 5% of the essential sum insured, subject to a maximum of fifty% for every claim-free yr of policy.
  • Optional covers could be taken for temporary total disablement, education fund and coverage of hospitalization costs on account of accident with none capping on room rent category.


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