ManipalCigna Health Insurance Plans

Reasons for buying ManipalCigna Health Insurance Plans

Buying an insurance policy is really a big deal that any person ever does in their life, and the deal should be of benefit. If insurance would be a deal for everyone, then they must opt for the beneficial side in the deal and it is said that a deal should always be profitable, so why don't we make a profitable deal by buying an insurance policy? The way we spend last few years was quite scary and still, the world won’t get over it. In that worst situation, death was not an answer it was a question for all, everyone lock themselves in their house, and just avoided the outside world, and trying to survive, and if you want that it won’t happen again with you then you should opt the policy by Manipal Cigna. 

Because of the way medical costs arising in the upcoming time, it would be a bit expensive to get treatment in a private hospital, during the Covid-19 period how Indian hospitals, doctors, and medical society was excessively busy. One thing that was required to get the best treatment means spending money because there was no bed available in the hospital, no doctor was free, and this was the situation that people have faced during the Covid-19 period. Manipal Cigna provides you with better coverage and the best benefits that you deserve.

Apart of this, Manipal Cigna offers you every kind of policy as per your need and as per your age. Insurance policy provides you protection, from uncertainties that you might not be able to see. A strong gust of wind shakes any throne and a gust of wind is like uncertainty in our life and it’ll shake you up, both physically and financially. The insurance policy provides complete protection, it provides you from mentally to financially relaxed even in your absence. Manipal Cigna believes in ‘Health hai toh Life hai’, and we should believe in Manipal Cigna’s beliefs.

Performance till today

Manipal Cigna is a joint venture company between US-based health services leader Cigna Corporation and Indian-based Manipal group. Cigna Corporation is one of the multinational companies, and one of those companies who comes in fortune 500 company of US-based come to India and trust the Indian market. Manipal Cigna venture serving from 2019, as a joint venture before it was firmly known as CignaTTk. Manipal Cigna was known as CignaTTk before becoming part of CignaTTk, earlier Cigna and TTk used to be a joint venture. But, in the year 2019, TTk sold his 31.48% stakes to the Manipal group.

From 2019, Manipal Cigna did a remarkable job till today, and still, they go on with their beliefs and with their bright idea. Till today, Manipal Cigna has sold 2, 29, 817 policies, and these numbers are enough to tell you how Manipal Cigna makes its way into the Indian Market. In the financial year 2019-20, the claim settlement ratio of Manipal Cigna was 85.72% not bad enough if we believe that umbers can tell you everything because sometimes numbers can’t judge the real talent. Manipal Cigna has done some of the finest jobs in the health sector, and in the year 2021 Manipal Cigna Health Insurance was recognized as the Best Health Insurance Brand.  

Claim Process

Getting a claim settled is the happier moment, but earlier getting a claim settled was a bit differently in every insurance company. But one thing that you should know is, Manipal Cigna believes in  ‘Health hai to Life hai’, and maybe that’s why Manipal Cigna has 6500+ hospitals across the country. Just because they keep believing in ‘Health hai toh Life hai’ they work with Vasai Virar Mayors Marathon as an associated partner is a perfect way for us to celebrate the sport and the Health and Wellness benefits that it brings to our community. 

Talking about the claim process, then how you want to settle your claim, the process depends on you. If you want, then you have the option of getting the cashless claim settled or if there is no option of getting treatment in-network hospital then you have an option of getting reimbursement claim settlement.  Both options are easy, but the reimbursement option might take more time and more effort than cashless claim settlement. Cashless Claim Settlement takes only 2 hours to get settled, but in the reimbursement option, you have to submit all the bills and after this, they’ll verify your claim and after satisfying your claim they’ll transfer the fund that you deserve.  

Let’s try to know what is the process of claim settlement?

Cashless Claim Settlement

1. First go to the reception desk in the network hospital, and let them know that you are insured with Manipal Cigna Health.

2. All this you have to do in advance, I mean you have to inform you insurer company about getting treatment in-network hospital in 3-day advance. Call this number ”1800-419-1159” and let them know about your planned admission to the hospital.

3. Show your policy id to the hospital team for identification purposes. Show your verification basically.

4. After this, a team of doctors will verify all documents related to the insured person, and also evaluate them. After that, they will cover you with claiming in and as per terms and conditions of your opted plan.   

5. After completion of some necessary process, the claim would be settled as your opted plan’s terms and conditions.

6. Being an insurer company “Manipal Cigna” provides a claim service assistance with their customer, to avoid the wrong information filled by the insured person in claim settlement form and other help.

Reimbursement Claim Settlement

In reimbursement claim settlement, first, you have to get the complete treatment by spending your money, after getting the treatment as soon as you are discharged from the hospital, you have to keep one thing in mind you have to bring the below-listed documents. Because in reimbursement claim settlement, documents play a vital role in getting the claim settled.

But the one thing that we should keep care of while buying any policy, they should check whether the insurance company from which you are buying insurance has any network-hospital in your area and only after that decide to buy insurance or else you will have to go through the indemnity claim.  

Documents must carry with you.

• Surgeon's bills and receipts
• Original chemist bills with prescription.
• Medical bills, discharge certificates, and payment receipts. (If payments are made with a card keep all the receipts)
• Medical test reports and investigation reports.
• Registration certificate of the hospital (if lesser than 15 beds).

Claim Settlement Process

1. First fill out the Claim form, and attach all the bills and receipts with the form. After that just go and submit the form to your nearest Manipal Cigna Health branch.

2. As per your plan’s terms and conditions your claim will be settled, and you will get your fund.

Main USP’s of ManipalCigna Health Insurance Plans are :

• Save up to 30% of premium through various discounts
• A large number of network hospitals for cashless treatment access
• Additional non-reducing Cumulative Bonus
• Eduction of renewal premium up to 10% with Healthy Rewards
• Total protection through Protective Healing and ProActiv Living
• etc A “Personal Health Wallet” that grows every year even if you claimAttractive EMI’s on credit card payment.

Inclusions

Manipal Cigna Health Insurance Policy offers you all kinds of policies, as per every kind people need. Some of the inclusions that every insurance company offers to their customer, of the inclusions are the basic need of customers that Manipal Cigna provides with their plans.

• In-patient Hospitalisation
• Pre & Post Hospitalization
• Donor Expenses
• Emergency Ambulance
• Day Care Treatment 

The basic inclusions that every insurance company offers, and the key features of the insurance policy is enough to give you info that these are a basic part of plans.   

Key Benefits of ManipalCigna Health Insurance Plans

• In-patient hospitalization expenses are covered up to the maximum of sum insured
• Pre hospitalization expenses are covered up to 60 days before hospitalization and Post hospitalization expenses covered up to 90 days post discharge
• Day care procedures which need hospitalization for less than 24 hours are covered up to the sum insured as per the company listing
• Domiciliary treatment expenses are covered under this plan
• Organ Donor medical expenses are also covered
• Medical expenses abroad are reimbursed up to the full sum insured
• 100% Sum Insured restoration once in a policy year for all unrelated diseases/injury
• Ambulance expenses are covered subject to specific limits
• Income Tax Benefits under section 80of IT Act for the premiums paid