No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs. 75,000 | Buy Health Insurance starting @ ₹160 pm Check Plans

The increasing concerns of health issues are not uncommon. While technology picks pace, the healthcare sector continues to bolster, further increasing the medical costs. After all, as quality healthcare becomes a necessity, the healthcare costs scale up rapidly, leaving you with no choice! This is why, Bajaj Markets, your very own digital marketplace brings you a great choice of health insurance plans. Introducing ManipalCigna Health Insurance, a unique plan for your healthcare needs which safeguards your savings, with budget-friendly premiums. Now, say no to medical expense worries, while you make the right choice with ManipalCigna Health Insurance.

Why Choose ManipalCigna Health Insurance?

Resonating your dedication and commitment towards your family’s health, ManipalCigna has designed plans for your healthcare requirements, so you can get access to the one of the best possible medical aids in an affordable way. The plans are well-featured to take care of the medical expenses that arise out of sudden medical uncertainties, so you can take care of your family’s health without being financially drained. With a mission to improve the health, well-being and peace of mind of whom they serve, ManipalCigna Health Insurance Company Limited continues to bring health insurance plans for you!

Key Features of ManipalCigna Health Insurance

  • Preventive Health Care

    From health check-ups to wellness programs, the plan offers a slew of preventive health benefits.

  • Multiple Sum Insured Options

    The plan offers a wide range of sum insured options to choose from in the range of ₹2.5 Lakhs - ₹50 Lakhs.

  • Inflation Protection

    The plan also offers inflation protection in addition to the cumulative bonus booster option of up to 200%.

  • Unlimited Sum Insured Restoration

    When it comes to injuries or unrelated illnesses, you can benefit from their feature of unlimited restoration of any sum insured options you choose.

  • Global Protection

    The plan lets you benefit from the complete sum insured amount in case of an emergency that occurs anywhere across the globe.*

Key Features of Care Health Insurance


*T&C Apply

Benefits of ManipalCigna Health Insurance Plans

Extensive Network of Cashless Hospitals

ManipalCigna has a tie up with 6500+ cashless healthcare providers PAN India, you can access healthcare from your nearest network hospital.

Impressive Claim Settlement Ratio

With a claim settlement ratio of nearly 97%, the insurer is committed to settling your cashless claims within few hours.

Tax Savings

ManipalCigna Health Insurance offers tax benefits under Section 80D, so you can save up on spending your hard-earned money on taxes.

Add-on Covers by ManipalCigna Health Insurance - Tackle Medical Exigencies with Extra Protection

  • Deductible

Avail an option of reducing your premium with deductible of up to ₹10 Lakhs with comprehensive benefits that enhance your existing health protection.


  • Critical illness Add-on

This cover offers financial assistance towards medical expenses that incur during the treatment of life-threating medical conditions.


  • Hospital Daily Cash Benefit 

With this optional cover, you can avail a daily cash benefit of up to ₹ 1000 per day to manage miscellaneous expenses.


  • Waiver of Mandatory Co-pay 

With this optional cover, you can choose to knock off the mandatory co-pay that is applied to policies meant for individuals aged 65 years and above.


  • Cumulative Bonus Booster 

With this, you can increase your policy sum insured by 25% where maximum accumulation is up to 200% of sum insured.


  • Voluntary Co-pay 

You may choose to take care of a certain amount of your medical bill while the insurer takes care of the rest. This option is unavailable when opted for deductible.

What's Covered

  • Hospitalisation

    The plans offers extensive cover for hospitalisation, ranging from ₹2.5 Lakhs – ₹50 Lakhs

  • Pre & Post Hospitalisation

    Covers up to 60 days pre & 90 days post-hospitalisation expenses

  • Day Care Expenses

    546-day care treatment is covered up to the full sum insured

  • Room Rent

    Hospital room covered for a single private room, up to sum insured ₹5.5 Lakhs; for any room except suites or higher, sum insured ₹7.5 Lakhs & above

  • Ambulance expenses

    Offers cover of up to ₹2000 per visit depending on the plan opted

  • Outpatient Expenses

    Covers outpatient expenses with up to ₹500 of health maintenance benefit

  • Health Check-up

    Medical check-ups covered once every 3rd policy year

  • Organ Donor Expenses

    Covers organ donor expenses up to the complete sum insured

  • Domiciliary Cover

    Covers at-home treatments up to sum insured

  • Expert Opinion on Critical illness

    Offers guidance through expertise on critical illnesses

  • Sum Insured Restoration

    With 100% additional sum insured available for unrelated illnesses or injuries, you need not look elsewhere!

  • In-patient Hospitalisation

    Offers AYUSH cover for in-patient hospitalisation

What's not Covered

  • Waiting Period

    All claims made in the first 30 days shall not be settled as the policy comes with an initial waiting period

  • Specific Illness Waiting Period

    There is a waiting period in health insurance of 2 years when it comes to claims for any specific illness

  • Maternity Cover

    Maternity expenses for the first 48 months from policy commencement

  • Pre-existing Diseases

    There is waiting period of 4 years for the ManipalCigna Health Insurance plan

  • Permanent Exclusions

    Dental treatment, cosmetic treatment and surgery and non-allopathic treatment are not covered

  • Routine Health Check

    Routine, day-to-day life medical check-up & diagnostic tests

  • Breach of law

    In case there is a breach of law, the claims are not settled

  • Unproven Treatment

    Expenses related to any unproven treatment are not taken care of by the insurer

  • Consumption of Intoxicants

    Injuries attributional to consumption of alcohol or drug use/ drug abuse or misuse

  • Deductible

    Any amount which falls under the deductible or co-pay

  • Non-Medical Expenses

    Non-medical costs listed as per IRDA are not covered

  • Please refer to the policy document for a complete list of exclusions

ManipalCigna Health Insurance Plans on Bajaj Markets

Plan Name

Premium Amount

Network Hospitals

No Claim Bonus

Pre- existing Diseases (PED) Cover

Ambulance Cover

ManipalCigna Pro Health Protect Plan




After 4 years

Up to Rs. 2,000 for every Hospitalisation

How to Buy ManipalCigna Health Insurance Online on Bajaj Markets

Buying ManipalCigna Health Insurance on Bajaj Markets is a very simple and completely online process. All you have to do is follow a few quick steps, use the health insurance premium calculator to get an instant quote, choose to enhance your plan by selecting your suitable add-on covers, pay and get your policy! It's that simple!

  • Visit us online

    Visit the ManipalCigna Health Insurance page on Bajaj Markets.

  • Fill details

    Click on ‘Get Quote’ and provide the necessary details and proceed to pay.

  • Make payment

    Make your health insurance premium payment for the selected plan

  • And, you're done!

    Your policy will be issued to you within few hours

How to File ManipalCigna Health Insurance Claims 

Bajaj Markets will assist you when you are in dire need! So will the insurer, ManipalCigna Health Insurance. Both have great teams to help you pass through in times of an emergency. Should you have any query regarding your claims, simply get in touch with your financial partner – Bajaj Markets or your insurer, ManipalCigna, to get your claim request submitted duly.  Further, the claim settlement process is then taken forward in a quick and simple way and does not take much time.

Cashless Claims

Here’s how you can get your cashless claims registered with your insurer:


  1. Hospital TPA shall submit your pre-authorisation form and medical details to the insurer.
  2. Insurer shall assess your claims and approve of the commencement of hospitalisation procedures.
  3. Cashless amount is added during the hospitalisation, if need be, after submitting necessary documents.
  4. Hospital TPA submits final bill and discharge summary to the insurer at the time of discharge.
  5. Insurer provides final approval post claim assessment.
  6. Once your final approval is in place, pay the non-payable expenses listed as per IRDA and you are good to go!

Cashless claims denied? Need not worry! You can apply for a reimbursement of your medical expenses.

Reimbursement Claims

Reimbursement claim process is a simple 3-step journey. Here’s what you need to do:


  1. Download the claim form and keep the list of expected documents handy.
  2. Submit all the documents to the nearest branch of the insurer to take this forward.
  3. On processing, the reimbursement claim amount will be transferred to your account.


We are Here to Help You


At Bajaj Markets


At Bajaj Markets, we aim to serve you better. Here’s how you can connect with us, should you need any help with ManipalCigna Health Insurance!


Here’s how you can seek help with Bajaj Markets:


  • You can call us on 020-66399444. Our executive will be at your service from Mon to Sat - 10 am to 6 pm
  • You can write to us at:
  • You can also login to our Customer Portal -
  • We like to be connected! Download our Bajaj Markets app, so you can easily manage your account and track your applications - anytime, anywhere!


At ManipalCigna Health Insurance


While Bajaj Markets lets you get a quick resolution, you can also take assistance from the ManipalCigna Health Insurance team. At ManipalCigna Health Insurance, you can make the most of their team’s prompt service and commitment.


Here’s how you can take help from the ManipalCigna Health Insurance team:

Health Insurance Plans Available at Bajaj Markets

FAQs on ManipalCigna Health Insurance

Surely! With Bajaj Markets, you need not worry about buying health insurance. Just following the quick steps given below to avail your ManipalCigna Policy today.

  1. Visit the ManipalCigna Health Insurance page on Bajaj Markets.
  2. Click on ‘Get Quote’ and provide the necessary details and proceed to pay.
  3. Make your health insurance premium payment for the selected plan.
  4. Your policy will be issued to you within few hours.


The plan offers premium payment modes like single, monthly, quarterly, annual and half-yearly.

For queries related to the product, you can write to the Manipal Cigna customer care team at

No, the pre-policy medical check-up is completely free.

AYUSH cover is the financial aid to take care of in-patient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy for an illness or injury that occurs during the policy year. 

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