ManipalCigna Group Health Insurance

ManipalCigna Group Health Insurance

Claim settlement ratio (2019-20)

85.72%

Network hospitals

4000+

TPA

External TPA

Total GHI lives insured (2020-21)

40 Lakhs

Total GHI claims incurred (2020-21)

₹ 166.5 crores

About ManipalCigna group health insurance

ManipalCigna group health insurance is a corporate insurance product of ManipalCigna Health Insurance. This is a joint venture between the Manipal Group and U.S.-based Cigna Corporation. The company has over 4000+ network hospitals and lifetime renewability. ManipalCigna’s head office is located in Mumbai and has its presence in over 11 cities in India.

With Pazcare, your ManipalCigna group health insurance experience gets better. We bring you the best group health insurance quotes for your employees at the best market prices. Moreover, the HR/Admin can administer the ManipalCigna group health insurance plan in one place using our tech-enabled Pazcare dashboard. The employer dashboard can also be integrated with the HRMS tools. 

How to buy ManipalCigna group health insurance at Pazcare?

Step 1: Visit us at Pazcare and choose group health insurance under the products dropdown. 

Step 2: After going through the coverage and benefits, click on the get quote button to fill out basic information like your name, company, work email address, phone number and the number of employees in the organisation.

Step 3: Our insurance consultants will get back to you within 24 hours of submitting the form. Communicate your requirements regarding the ManipalCigna group health insurance. This includes the sum insured, type of policy, add-ons required, etc.

Step4: Our team will get back to you with competitive quotes for ManipalCigna group health insurance along with the other group health insurers based on the requirements you communicated.

Step 5: Once you choose the policy, say ManipalCigna group health insurance policy, the next step is to accept the terms and conditions of the policy and pay the premium quoted.

Step 6: Once the payment is done, our team will help you with the onboarding process. Generally, an onboarding process will be done within 24 hours of your policy purchase. We will also assist you in using the Pazcare dashboard to administer your group insurance plan.

For any assistance or queries, contact us at support@getpaz.com or call us directly at +91 78291 11300. Alternatively, get in touch with us on Whatsapp using +91 81973 79596.

Why choose ManipalCigna group health insurance as your insurance partner?

Here are the reasons why you should choose ManipalCigna group health insurance from Pazcare. 

4000+ cashless networks

With more than 4000+ cashless network hospitals, ManipalCigna group health insurance has a pan India presence. With such a vast cashless network, you can avail cashless claims for hospitalisation near your location.

24X7 support

ManipalCigna provides 24X7 customer assistance and claims support services for its customers. The in-house claims team makes sure the claims are settled hassle-free.

Highly customisable plans

The ManipalCigna group health insurance is highly customisable according to the needs of your employees. You can choose the add-ons and riders catering to the needs of your organisation.

Higher claim settlement ratio

The ManipalCigna group health insurance has a high claim settlement ratio of 85.72%. This means that there are high chances of your health insurance claims getting settled efficiently.

Claim ManipalCigna group health insurance

ManipalCigna group health insurance cashless claim

Make your ManipalCigna group health insurance cashless claim using the following process.

  1. Visit a network hospital

You can use the cashless claim benefit only at a network hospital. Hence, make sure you get to the nearest network hospital for treatment.

  1. Verify your details

Then confirm your identity using the government photo ID like voter ID, driving license, along with the health insurance ID card or policy number, and your company ID at the network hospital.

  1. Submit the pre-authorisation form

The next step is to submit the pre-authorization form to ManipalCigna group health insurance within 24 hours of hospitalisation in case of emergency. For planned hospitalisation, submit it at least 3 days before the hospitalisation in the network hospital.

  1. Review of request

After submitting the pre-authorisation form, the request for a cashless claim for your ManipalCigna group health insurance will be reviewed by the TPA. And the same will be notified to you and the network hospital.

  1. Claim settlement

Once ManipalCigna health insurance accepts your claim request, the claim is settled directly to the network hospital according to the terms and conditions of the policy.

ManipalCigna group health insurance reimbursement claim

For hospitalisations in a non-network hospital, you can go for a ManipalCigna group health insurance reimbursement claim.

  1. Intimate your insurer

Firstly, intimate your insurer about the hospitalisation within 48 hours in case of emergency and at least 3 days before planned hospitalisation

  1. Settle your bills

Once you get treated at a non-network hospital, the next step to follow is to settle all your hospital bills and pharmacy bills from your pocket.

  1. Collect the original documents

Once the bills are settled, collect the original copies of all the required documents to file for a reimbursement claim. 

Documents required to file ManipalCigna group health insurance reimbursement claim

  • Claim form
  • Medical papers, pathology reports, X-ray reports, as applicable
  • Doctor’s prescription and line of treatment suggested
  • Medical bills and cash memos
  • Hospital Discharge Card
  1. Submit the documents

After collecting all the original documents, submit the documents via post to the nearest ManipalCigna Health Insurance branch.

  1. Claim processing

Claim processing for ManipalCigna group health insurance reimbursement claim will be done as per the terms and conditions of the policy. Once approved, the claim will be settled in your bank account. 

Contact us at support@pazcare.com for 24X7 claim assistance for your employees. Alternatively, you can call us at +91 78291 11300.

ManipalCigna group health insurance renewal process

Renew your ManipalCigna group health insurance with Pazcare using the following steps.

Step 1: Visit us at https://pazcare.com/ and submit a basic form that requires your name, company name, number of employees, work email address and phone number.

Step 2: After submitting the form our group health insurance consultants will contact you for the following documents.

  • Active data of employees - name, age, gender, details of dependents (as per the type of policy)
  • Claim analysis report
  • Claim dump report from the insurer/TPA
  • Policy copy

Step 3: If you wish to choose additional add-ons to your existing ManipalCigna group health insurance policy like dental insurance riders, maternity insurance riders communicate your requirements. With Pazcare, you can also choose additional health and wellness add-ons like wellness and therapy sessions, unlimited doctor consultations, comprehensive check-ups, and many more to your ManipalCigna group health insurance. 

Step 4: We will get back to you with the competitive quotes for your ManipalCigna group health insurance.  Based on the history of claims and the additional riders and add-ons you choose, the group health insurance premium may vary from the previous financial year.

Step 5: Then agree to the terms and conditions of the policy and proceed with paying the premium for the ManipalCigna group health insurance policy. The policy is usually valid for a year after the renewal.

Step 6: In case, purchasing your ManipalCigna group health insurance for the first time with Pazcare, within 24 hours the onboarding process will be carried out. 

We make sure that your ManipalCigna group health insurance administration experience is seamless using our Pazcare dashboard. Your employees can access their ManipalCigna group health insurance plan using Pazcare’s employee app which is available on both the app store and the play store. 

ManipalCigna group health insurance premiums

Your ManipalCigna group health insurance premium is calculated based on factors like 

Claims history

For ManipalCigna group health insurance policy renewal, the claim history is also considered to calculate the premium for that financial year. If the number of claims requested in the previous financial year is higher, then the premium to be paid for the policy will increase during the renewal.

Riders and add-ons 

In case you opt for riders and add-ons like maternity insurance riders, dental insurance riders along with the existing ManipalCigna group health insurance policy then your group health insurance premium will increase.

Sum insured

Sum insured is known as the maximum amount that an insurance company will pay in case of any hospitalisation in a financial year. If your hospitalization expenses cross the sum insured, the policyholder pays the remaining amount from his/her pocket. So the group health insurance premiums are higher for a higher sum insured.

Type of group health insurance plan opted

There are 3 types of group health insurance plans available. They are employee only (E), employee+spouse+children (ESC) and employee+spouse+children+parents (ESCP) plans. As the number of people covered in the ESCP plan is more than that of E only plan, the cost of the premium will be much higher.

Average age

The ManipalCigna group health insurance premium is also calculated based on the average age of the people insured. The higher the average age, the higher will be the premium. This is due to the fact that the risks associated with the younger age group are lesser than that of the older age group.

What is covered under your ManipalCigna group health insurance?

Your ManipalCigna group health insurance is custom-made according to the needs of your organisation. Here is what your policy covers.

Day care treatment coverage

The ManipalCigna group health insurance policy covers your daycare treatment expenses, which require less than 24 hours of hospitalisation.

Pre and post-hospitalisation expenses

All your pre and post-hospitalisation expenses are covered in your ManipalCigna group health insurance according to the terms mentioned in the policy wording.

Cover for covid-19

Your ManipalCigna group health insurance covers hospitalisation expenses for covid-19. However, home quarantine expenses are not covered in the policy.

In-hospitalisation expenses

In-hospitalisation expenses due to sickness or due to accidents are covered in the ManipalCigna group health insurance. These include nursing expenses, room rent, doctor fees, and many more.

Optional benefits

Optional benefits like Maternity benefits, the inclusion of pre-existing disease, reimbursement of the cost of health check-ups, and dental treatment expenses can be covered by opting for additional riders to the existing policy.

What is not covered under your ManipalCigna group health insurance?

Your ManipalCigna group health insurance policy will not cover expenses related to 

Cosmetic treatment expenses

Expenses related to cosmetic treatments like plastic surgery, liposuction, and botox are not generally covered in the ManipalCigna group health insurance plan.

Gender-changing surgeries

Coverage for gender-changing treatments or surgeries is excluded from the ManipalCigna group health insurance policy.

Self-harm injuries

Injuries and hospitalisations due to suicide or any other self-harm activities are not covered in your policy.

Treatments for substance abuse

Treatment and hospitalisation expenses due to substance abuse like drugs or alcohol are not covered in the ManipalCigna group health insurance.

Injuries due to war

Any hospitalisations due to injuries sustained due to wars and its treatment expenses are not covered in your HDFC group health insurance policy.

ManipalCigna group health insurance benefits

Pre-hospitalisation expenses coverage

Pre-hospitalisation expenses such as expenses due to medical tests like blood tests and X-rays are covered in your ManipalCigna group health insurance.

No medical screening required

Unlike a retail health insurance policy, you can purchase ManipalCigna group health insurance for the employees without a medical screening test. 

Dental treatment riders

The cost of dental treatment is not usually covered in your group health insurance. But with ManipalCigna group health insurance, the cost of dental treatment can be covered using an optional dental treatment rider.

Tax benefits

By paying premiums for your ManipalCigna group health insurance, the employers are eligible to claim tax benefits under section 80D of the Income Tax Act.

ManipalCigna group health insurance network hospitals

ManipalCigna group health insurance has more than 4000+ network hospitals pan India. This means availing of cashless claims for your group health insurance becomes more accessible near the employees’ location.

ManipalCigna group health insurance claim process

1

Intimate the insurer

Intimate about the hospitalisation to the insurer/TPA within 24 hours, in case of emergency and at least 3 days prior in case of a planned hospitalisation.

2

Verify your identity

Provide the proof of identity - policy number/health insurance ID card, company ID and a valid unique govt. ID card.

3

Submit the pre-authorization form

Fill out the pre-authorization form/cashless claim form and submit it to the TPA desk at the network hospital

4

Claim settlement

After successful verification, the claim will be settled directly to the network hospital.

5

Contact us for assistance

For any claim assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300.

1

Intimate the insurer

Intimate the insurer within 48 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalisation.

2

Settle the bills

Settle the hospital bills and collect the original copies of all the essential documents.

3

Submit the documents

Submit these documents along with the claim form to the TPA

4

Claim settlement

Once verified, the claim will be settled in your bank account directly.

5

Contact us for assistance

For any claim assistance contact us at support@getpaz.com or call us at +91 78291 11300. We will be happy to assist.

ManipalCigna group health insurance cashless network hospitals

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Why buy a group health insurance
policy online from Pazcare?

  • Choose the suitable policy with our consulting approach
  • Custom-made plan with health and mental wellness add-ons
  • The tech-enabled Pazcare dashboard to manage endorsements
  • Integrate the dashboard with your HRMS tool

ManipalCigna group health insurance customer care number

For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.

ManipalCigna group health insurance

1800-102-4462

Available 24X7

ManipalCigna group health insurance FAQs

Is Cigna TTK and Manipal Cigna the same?

ManipalCigna Company Limited started its operations in 2019 when TTK sold its 31.48% stakes to Manipal Group. The Cigna Corporation and Manipal Group came together to create a provider that mostly focused on health insurance products.

Who is the TPA of ManipalCigna group health insurance?

The TPAs associated with ManipalCigna group health insurance are

  1. Medi Assist Insurance TPA Pvt Ltd
  2. Paramount Health Services & Insurance TPA Pvt. Ltd
  3. Vidal Health TPA Pvt. Ltd
  4. Family Health Plan Insurance TPA Ltd
  5. Good Health Insurance TPA Ltd.
  6. HealthIndia Insurance TPA Services Pvt. Ltd.

How to go about ManipalCigna group health insurance renewal?

To renew your ManipalCigna group health insurance policy, here are the steps to follow.

  1. Get in touch with Pazcare and submit the form with essential details like company name, number of employees and phone number.
  2. We will get in touch with you for relevant documents required for the renewal of your ManipalCigna group health insurance
  3. Agree to the terms and conditions of the policy and pay your premium.
  4. Your policy gets activated immediately after the purchase.

What is ManipalCigna group health insurance claim settlement ratio?

The ManipalCigna group health insurance claim settlement ratio for the financial year 2019-20 is 85.72%.

How is ManipalCigna group health insurance premium chart calculated?

ManipalCigna group health insurance premium chart is calculated based on various factors like

  1. Sum insured
  2. The number of dependents covered in the policy
  3. The average age of the insured.
  4. Add-ons/riders opted with the policy

What are the optional benefits covered under ManipalCigna group health insurance?

One can opt for additional riders to the existing policy to make use of the optional benefits mentioned below.

  • Maternity benefit
  • Bariatric surgery
  • Dental Treatment