About Manipal Cigna Health Insurance
Manipal Cigna TTK Health Insurance Company Limited is a joint venture between the Manipal Group and the Cigna Corporation. Together, these companies represent excellent quality healthcare services, ensuring that ManipalCigna provides very reliable and stable health insurance services to their customers. Their holistic plans cover individuals, families employee-employer groups, critical illnesses accidents, and more.
ManipalCigna Health Insurance has over 6500 network hospitals, ensuring far-reach with 20,000+ agents promoting the company's efficiency. With an incurred claim ratio of 62% and a settlement ratio of 91%, Cigna Insurance stays ahead of its competition by offering customisable healthcare plans with family floater options for better, faster treatment. Such features place Manipal Cigna in the top list of insurance providers in India!
The various types of Cigna TTK Health Insurance Plans include:
- ManipalCigna ProHealth Protect Plan
- ManipalCigna ProHealth Plus Plan
- ManipalCigna ProHealth Preferred Plan
- ManipalCigna ProHealth Premier Plan
- ManipalCigna Lifestyle Protection - Critical Care Plan
- ManipalCigna Lifestyle Protection - Accident Care Plan
- ManipalCigna Group Insurance Policy
- ManipalCigna ProHealth Cash
Let’s examine each policy under Cigna Health Insurance.
ManipalCigna ProHealth Protect Plan
- Entry Age: 91 days minimum
- Policy Term: 1-2 years
- Sum Assured: Rs. 2.5 - 4.5 lakhs
- Pre and Post-Hospitalization: 30 and 60 days, respectively
Other benefits:
- Reinstatement of sum assured: Manipal Cigna TTK provides a top-up amount upon sum depletion, up to 100% of the original amount.
- Emergency ambulance coverage of Rs. 2000 per hospitalization.
- Claim-free bonus that increases sum assured by 5-50%.
ManipalCigna ProHealth Plus Plan
- Entry Age: 91 days minimum
- Policy Term: 1-2 years
- Sum Assured: Rs. 4.5 - 10 lakhs
- Pre and Post-Hospitalization: 60 and 180 days, respectively
Other benefits:
- Free Look Period: 15 days from policy receipt.
- Family Premium Discount: 10% for 2+ members covered
- Claim-free bonus that increases sum assured by 10-50%.
ManipalCigna ProHealth Preferred Plan
- Entry Age: 91 days minimum
- Policy Term: 1-2 years
- Sum Assured: Rs. 15 - 50 lakhs
- Pre and Post-Hospitalization: 60 and 180 days, respectively
Other benefits:
- Maternity Expenses: Up to Rs. 50,000 for normal delivery and Rs. 1 lakh for C-section.
- Global cover for medical emergencies abroad up to Rs. 10 lakhs
- No Claim Bonus: 10% to 50% of sum insured
Manipal Signa ProHealth Premier Plan
- Entry Age: 91 days minimum
- Policy Term: 1-2 years
- Sum Insured: Rs. 100 lakhs (i.e. Rs. 1 crore)
- Pre and Post-Hospitalization: 60 and 180 days respectively
Other benefits:
- Reward Points for punctual premium payments awarded every year for 2 years or for joining the SignaTTK Online Wellness Program. Rewards can be redeemed for premium discounts or health maintenance benefits.
- Maternity Expenses: Up to Rs. 50,000 for normal delivery and Rs. 1 lakh for C-section.
- Health Maintenance Support: Up to Rs. 15,000 p.a. reimbursed.
ManipalCigna Lifestyle Protection - Critical Care Plan
- Entry Age: 18 - 65 years
- Policy Term: 1-3 years
- Sum Assured: Rs. 1 lakh - 25 crores
- Waiting Period: 90 days
Other benefits:
- The basic plan covers 15 illnesses; Enhanced plan covers 30 illnesses
- Premium will be refunded (subject to deductions) if no claims are made
- Policy discount of 10% if purchased directly from the company
ManipalCigna Lifestyle Protection - Accident Care Plan
- Entry Age: 18 - 80 years (5 - 25 years for children)
- Policy Term: 1-3 years
- Sum Assured: Rs. 50,000 - 10 crores
- Waiting Period: 90 days
Other benefits:
- Lump-sum or staggered pay-out options
- Basic Cover: Death, Ambulance and Funeral Expenses
- Enhanced Cover: Death, Ambulance and Funeral, Education, Permanent Total Disability Expenses
- Comprehensive Cover: Loss of employment, Orphan Benefit and Permanent Partial Disability
- Freelook period: 15 days
ManipalCigna Group Insurance Policy
- Entry Age: 18 - 75 years (Children: 1 year)
- Policy Term: 1 year
- Sum Assured: Rs. 5000 - 1 crore
- Pre and Post-Hospitalization: 60 and 90 days, respectively
Other benefits:
- Emergency ambulance coverage
- Domiciliary hospitalization coverage
- Maternity benefits, newborn benefits etc. offered under the optional cover.
ManipalCigna ProHealth Cash
- Entry Age: 91 days - 65 years
- Policy Term: 1-3 year
- Daily Cash Allowance: Rs. 500 - 5000
- Coverage Limit: 60 - 180 days
Other benefits:
- Accidental Death and Permanent Total Disability Benefits: Rs. 50,000 - 25 lakhs
- Compassionate benefit up to 10 times daily cash allowance (optional cover)
- Worldwide cover of 3 times the daily allowance
ManipalCigna Group Overseas Travel Insurance Policy
- Entry Age: 18 - 75 years
- Policy Term: 1 year
- Sum Assured: Rs. 5000 - 1 crore
- Minimum no. of members: 7
Other benefits:
- Benefit I: Medical expenses coverage
- Benefit II: Travel inconvenience coverage
- Benefit III: Accidental death, permanent disability (partial or total) etc. coverage
Benefits of Cigna Health Insurance India
With the numerous positive and appreciative Cigna TTK Health Insurance reviews, the company’s popularity is evident. This is easily explained when one examines the multitude of benefits TTK Health Insurance provides:
- With over 6500 network hospitals, Cigna Manipal is set to be a significant player with easy accessibility all over the country.
- Each plan has a family floater option, offering wider reach and more comprehensive coverage. This ensures that you get the full extent of coverage you require for a truly safe and financially stable life!
- Their exceedingly transparent website is reflected in their ability to resolve 99.58% of all grievances coming their way. Such facts increase reliability and trustworthiness, so you know that your company of choice is here for your maximum benefit!
- Almost every Cigna TTK Health Insurance review comments on the ease of renewal alongside the comprehensive nature of their plans. With quick links and secure payment options, the website is very user-friendly, much like them!
- They allow you to track your claims through the verification process, so you have a better idea of what to expect. You know precisely what stage your claim is at and see when or if it has been verified, accordingly.
- The premiums paid during the Cigna TTK renewal procedure are deductible under Section 80(D) of the Income Tax Act.
Cigna TTK Health Insurance Premium Calculator
Cigna makes your insurance journey more relaxed by helping you calculate your premium beforehand. Depending on your health and your history, the Cigna TTK premium calculator uses various features to determine your approximated premium. These features include:
- Age
- Extent of coverage
- Personal and family medical history
- Require sum assured
- Policy type (individual/floater/group etc.)
Cigna TTK Health Insurance Claim Settlement Processes
Cigna TTK currently sports a claim settlement ratio of 91%. This high ratio gives you an idea of what to expect from your claim status depending on the process you choose. The 2 processes are:
Reimbursement Process
- Contact your insurer within 24 hours of emergency hospitalization and 3 days in advance for planned hospitalization.
- Submit the necessary documents and claim form to ManipalCigna.
- Upon approval, you will be reimbursed either through an NEFT transfer or a DD/cheque.
Cashless Process
- Contact your insurer within 24 hours of emergency hospitalization and 3 days in advance for planned hospitalization.
- Give the hospital your health card and ID proof.
- The hospital will send the pre-authorisation form to ManipalCigna. After discharge, it authorises the payments.
- Manipal Cigna then pays the hospital directly.
Cover 360 is here to ensure your insurance experience goes smoothly! Our team helps you through the entire claim process, so you do not miss any relevant documents. We help you get the highest chance at a successfully verified claim!
Cigna TTK Health Insurance Insurance Renewal Procedure
- Visit cover360.in and go to our renewal page
- Enter the details asked
- You will be taken to Manipal Cigna’s website to complete the procedure
- If you go directly to the website, there is ‘a Renew’ tab you can click on
- Make your premium payment and the renewed policy document will be emailed to you
If you have any further questions regarding any part of this process, get in touch with us, and our experts will reach back to you to guide you to success happily. We want you to have the utmost financial stability and will help you attain it!
