ManipalCigna Plans

ManipalCigna Lifestyle Protection Group Policy Insurance

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Lifestyle Protection Group Policy Offers widest range of coverage from accidents and disabilities to critical illnesses

Who is eligible for this plan?

  • Min Entry Age: 18 Years
  • Max Entry Age: 75 Years
  • Dependent Children, grandchildren and siblings can be covered from 5 years up to 25 years of age in Group Personal Accident and from 18 years to 25 years in Group Critical Illness policy.
  • Minimum number of members required to buy a group policy is 7
  • Policy Period: 1 year only. Only for credit linked policy, term can be upto 5 years.

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna Lifestyle Protection Group Policy Insurance Benefits

  • Coverage
  • Benefits

Key Features of Lifestyle Protection Group Policy Insurance

Group Personal Accident insurance provides protection in the event of death and/or disability with choice of optional covers including
  1. Disappearance
  2. Broken bones
  3. Burns
  4. Coma
  5. Support items
  6. Modification
  7. Rehabilitation
  8. Ambulance
  9. Repatriation
  10. Emergency evacuation
  11. Child education
  12. Spouse benefit
  13. Convalescence
  14. Family transportation and counselling
  15. Hospital cash
  16. Second opinion
  17. Accidental medical expenses
  18. Funeral expenses among others
Group Critical Illness covers 1 to 36 illnesses under 6 different plans with optional benefits like
  1. Survival period waiver
  2. Emergency road ambulance
  3. Repatriation
  4. Child education
  5. Convalescence
  6. Rehabilitation
  7. Hospital cash
  8. Family counselling
  9. Medical second opinion and wellness benefit among others

ManipalCigna Lifestyle Protection Group Policy Benefits

  • Widest Choice of cover
    • Accidental Death Benefit
    • Permanent Total Disability Benefit
    • Permanent Partial Disability Benefit
    • Temporary Total Disability Benefit
    • Multiple Optional benefits
    • Plans covering upto 36 Critical Illnesses and major medical procedures
    • Cancer only coverage available
  • Policy term > 1 year offered to credit linked policy
  • From comprehensive full package to an ala carte of benefits
  • On-duty cover option for GPA policy
  • Option to waive Critical Illness Survival Period
  • Fixed or Indemnity pay-out as applicable

Manipal Cigna health insurance FAQ's

List of necessary claim documents to be submitted for reimbursement are as following:

  • Claim form duly signed
  • Copy of photo id of patient
  • Hospital discharge summary
  • Operation theatre notes
  • Hospital main bill
  • Hospital break up bill
  • Investigation reports
  • Original investigation reports, X ray, MRI, CT films, HPE, ECG
  • Doctors reference slip for investigation
  • Pharmacy bills
  • MLC/ FIR report, post mortem report if applicable and conducted

You will receive an update on status of your claim through sms and emails on the registered contact details with us. Hence, it is important that your contact details are updated with us at all times. You can also reach out to your health advisor or connect with our health relationship managers to get an update or clarification on the claim. In case of cashless claims, we will issue the authorisation letter to the hospital through fax or email.

You should carry the health card provided by the company with this policy, along with a valid photo identification proof (voter id card / driving license / passport / pan card / any other identity proof as approved by the company).

We shall scrutinize the claim and accompanying documents. Any deficiency of documents, shall be intimated to you and the network provider, as the case may be within 5 days of their receipt. If the deficiency in the necessary claim documents is not met or are partially met in 10 working days of the first intimation, we shall remind you of the same and every 10 (ten) days thereafter. We will send a maximum of 3 (three) reminders following which we will send a closure letter.

We may investigate claims at our own discretion to examine validity of claim. Such investigation shall be concluded within 15 days from the date of assigning the claim for investigation and not later than 6 months from the date of receipt of claim intimation. Verification carried out, if any, will be done by individuals or entities authorised by us to carry out such verification / investigation(s) and the costs for such verification / investigation shall be borne by the us.


Review ManipalCigna Lifestyle Protection Group Policy Insurance brochure to understand coverage details.

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Policy wordings

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  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022