Manipal Cigna Health Insurance 
Claim Settlement Ratio 91%
Claim Settlement Facility 100%
Network Hospitals 4000
Renewability 100%
COVID-19 Cover Yes
Incurred Claim Ratio 46.29%
Manipal Cigna health insurance plans offer a guaranteed Cumulative Bonus of up to 25% per year subject to a maximum of 200% of the base sum insured. The cumulative bonus is offered irrespective of the claim made by the insured. The percentage of cumulative bonus would differ from one health insurance plan to another.
The health insurance plans from Manipal Cigna offers unlimited restoration of sum insured up to 100% of the base sum insured. The unlimited restorations can be utilized for related or unrelated illnesses. The unlimited restorations starts from the 2nd claim onwards and the plan would be restored immediately after a claim was made.
Manipal Cigna health insurance offers the power to Switch off the health insurance coverage. This option allows the policyholders to switch off their health insurance plan from 2nd year onwards for up to 30 days while traveling abroad. This option also provided premium discount and the premium discount would be calculated on a pro rata basis which would be adjusted in the renewal premium falling on the immediate policy anniversary. This facility cannot be availed in the last 90 days of the policy year.
The health insurance plans offer discounts from network providers on diagnostics, pharmacy and health supplement offered through various network providers. The discounts available can be verified from the customer support team of Manipal Cigna at the time of hospitalization.
Manipal Cigna provides a premium waiver for one year on the renewal policy premium if the proposer is diagnosed with any of the listed critical illnesses or accidental death. The other members in the health insurance policy can continue the cover without paying the renewal premium for one year in case of death of the proposer or diagnosis with critical illness.
The health insurance plan from Manipal Cigna provides global health coverage if you are traveling to any of the countries abroad. The plan provides for inpatient hospitalization as well as air ambulance and other factors when traveling abroad.
