Coronavirus (COVID-19)
Be Alert Not Anxious
What is coronavirus?

Coronaviruses are a large family of viruses found in humans and animals. Some can infect humans and are known to cause illness ranging from the common cold to more severe diseases such as Middle East Respiratory Syndrome (MERS) and Severe Acute Respiratory Syndrome (SARS)

How is the coronavirus transmitted?

Most often, spread from person-to-person happens mainly via respiratory droplets produced when an infected person coughs or sneezes, similar to how influenza spreads. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled in to the lungs .

Symptoms can include fever, cough and shortness of breath. The Center for Disease Control and Prevention (CDC) believes that symptoms of COVID-19, may appear in as few as 2 days or as long as 14 after exposure at this time.

Yes, ManipalCigna’s comprehensive health insurance policies cover hospitalisation expenses arising out of coronavirus. Please refer to the terms and conditions for details of the coverage you are entitled to in your plan.


Anyone with symptoms of Coronavirus, or who has been in contact with someone who is suspected or
confirmed of having the Coronavirus within the last 14 days should consult with their physician.

If you need more information, contact: Indian Helpline for Novel Coronavirus at
+91 11 2397 8046 /

Are there any waiting period applicable for viral infections like Ebola, H1N and now coronavirus?

No, since these viral infections are not a part of pre-existing ailments, it won’t have any waiting periods implied.


Cashless Claim: Our cashless claim services continue to be hassle-free experience during hospitalizations. For all emergency hospitalizations, get in touch with your Hospital TPA desk to initiate the cashless process.

Planned Hospitalization: You may raise a cashless request for planned hospitalization using our E- Cashless facility. Give a missed call at 1800-572-9792, we'll SMS the download link to your smartphone. Login to app and click on e- cashless facility

Reimbursement claim: Customers can now upload scanned claim documents using Medibuddy app or by logging onto .Company shall keep your claims processed and disburse payment once we receive the hard copies. To locate our branch, visit

Can I submit my reimbursement claim post lockdown period?

Yes, we shall be happy to receive your claim intimation once the lock down opens

Will my already submitted claim be processed within time?

Yes, our claims operations are up and running . All received claims shall be processed within regular timelines as per the policy terms and conditions

Where can I get answers to Coronavirus Claims related queries?

If you have any Covid-19 claim related queries / other queries on your claims, please get in touch at 1800-419-1159

For queries related to claims incurred in India , please write to

For International admissions please write to,

Wipro -
All Other Employee-Employer groups -

Where can I pay the renewal premium / purchase a new policy?

If you are making an online payment then you can visit make the renewal payment

We have tied up with ICICI bank where you can visit any of the 1350 locations for New business premium / renewal premium
is made through cheque/cash. The premium payment has to be done over the counter & the cheque should not be dropped
in any drop box.

Where should I give servicing request for my policy?

You can contact your agent/advisor/sales manager who will accept documents for servicing of your policy
& will in turn coordinate with ManipalCigna Health Insurance branch for processing.

Customers can call our toll free no 1800-102-4462. Retail customers can write to us at
& Group customers can write to us at

Andhra Bank, Union Bank of India or Corporation Bank customers can call toll free no 1800-126-263-472 or write to

Bank of Maharashtra customers can call toll free no. 1800-108-6242 or write to

Also, our distribution partners can call us on our toll free no. 1800-102-4462 and press option 5

If not satisfied, how can I raise a complaint?

Above touchpoints should be able to manage your queries, however if you are not satisfied with response received, you can
write to

Worried about insuring yourself and your family with adequate health cover OR
renewing your existing ManipalCigna Health Insurance policy?

Don’t stress, as a health insurance partner, our top priority is to protect the health and well-being of those we serve.
Our ManipalCigna ProHealth Insurance Plan covers hospitalisation expenses, immediate OPD expenses, ambulance
cover arising out of COVID-19. Click htt
ps:// OR to renew your policy and ensure a seamless
cover for you and your family.

Please note, we have also extended the Grace period for all policies due onwards 01/02/2020 to 60 days from the original 30
days in case you are unable to pay your premium on time, in view of the disruptions caused by the Coronavirus outbreak.

We urge you to stay alert, stay home and exercise personal hygiene. In case you have any queries or need any assistance
while renewing your policy, Please feel free to call us on our toll free 1800-102-4462

Answers To Frequently Asked Questions
What are the symptoms of coronavirus?
Do ManipalCigna Health Insurance policies cover medical expenses related to coronavirus?
These days viral infections are very common, do ManipalCigna plans help financially in treating such ailments

Yes. Buying a health insurance plan not just for yourself but for your entire family is important to make sure your hospital admission and treatment expenses are covered seamlessly.

Contact Us
Callers from India

Toll-free number


Callers outside India

+91 22 4985 4100

(Call charges as per the caller's tariff plan will apply)

For any queries email us at
and for any policy alterations email us at
Registered office:
ManipalCigna Health Insurance Company Limited,
401/402,Raheja Titanium,
Western Express Highway,
Goregaon( East ), Mumbai – 400063.

ManipalCigna Health Insurance Company Limited. IRDAI Reg. No. : 151 dated 13th November 2013. CINU66000MH2012PLC227948. For more details on risk factors, terms and conditions, please read the sales brochure/sales documents available on our website (Download section) before concluding a sale

*Tax Treatment is subject to change in tax laws *Premium if mentioned in the advertisement is only indicative and is not flat across all age groups or health plan type Insurance is the subject matter of solicitation

i. “Insurance is the subject matter of solicitation“

ii. “** Tax Treatment is subject to change in tax laws # Premium if mentioned in the advertisement is only indicative and is not flat across all age groups or health plan type 1. 3.5L at Rs.23*/day has been calculated by taking Sum insured-3.5L, Protect Plan, Age-32years & 30 years,2 adults, Policy term-1 year, Zone-1 (Mumbai) Premium inclusive of all taxes. 2. 4.5L at Rs.500*/month(or Rs.16*/day) has been calculated by taking Sum insured-4.5L, Plus Plan,Age-26years,1 adult , Male, Policy term-1 year, Zone-3(Jaipur). Premium inclusive of taxes. ^ Awarded Best Health Insurance Company of the Year at the India Insurance Summit & Awards 2019 “

© 2019 ManipalCigna Health Insurance Company Limited. All rights reserved. Trade Logo belongs to M/s Cigna Intellectual Property Inc. and T T Krishnamachari & Co and used by ManipalCigna Health Insurance company Limited.