Insurance Claim Process

Before you seek medical treatment we request that you contact us 3 days in advance. This will allow our health relationship managers to help you follow the next few steps. In case of emergency, you can contact us within 24 hours of admission to the hospital.

At the network hospital you will need to show your ManipalCigna Health Insurance health card and valid photo ID to be able to use your insurance. This will give the network hospital the details they need to contact us for the cashless hospitalization process. Click Here to download your health card.

The network hospital will send us the preauthorization request form which has details of medical history, line of treatment and estimated treatment cost.

Wherever the information provided in the request is sufficient to ascertain the authorization, we will issue the authorization Letter to the network hospital. Wherever additional information or documents are required we will call for the same from the Network hospital and upon satisfactory receipt of last necessary documents the authorization will be issued.

If such a service is requested by you, our claims service associate helps you navigate through the paper work and forms.

Hospital will send us the final request for authorization of any residual amount along with final hospital bill and discharge summary. You will be discharged from the hospital upon receipt of final authorization letter from us. Any inadmissible expenses, copayments, deductions will have to be paid by you.

Once the Hospitalization is done, hospital will send the original claim documents to us. The claim will be assessed by us and payment will be made to the network hospital.

Before you seek medical treatment we request that you contact us 3 days in advance. This will allow our claims service associate to help you follow the next few steps.

In case of emergency, you can contact us within 24 hours of admission to the hospital.

You can avail treatment at hospital and settle all hospitalization expenses. Collect original hospital bill, receipts, discharge summary, investigation reports, pharmacy bills and other documents from hospital at the time of discharge from hospital.

You have to download the claim form from our website www.manipalcigna.com. Copy of this form is also included in the policy kit provided to you. Alternatively, you can contact your Health advisor or visit nearest ManipalCigna Health Insurance branch. Submit the claim documents at nearest ManipalCigna Health Insurance branch or Corporate office. The documents should be submitted within 15 days from discharge from the hospital.

Wherever the information provided in the claim documents is sufficient to ascertain the admissibility of claim, we will approve the claim. Wherever additional information or documents are required we will call for the same from you and upon satisfactory receipt of last necessary documents the claim will be settled by us.

If such a service is requested by you, our claims service associate helps you navigate through the paper work and forms.

Upon approval of claim by us, payment of the reimbursement claim will be made to the policy holder either through EFT or through cheque/DD.