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ManipalCigna to expand Tamil Nadu reach as Sarvah drives new business
Focused on India's 'missing middle' population, Sarvah contributed 52 per cent of the company's new business in Tamil Nadu during January to May 2025.
With 18 offices, a robust network of over 1,500 empanelled hospitals, and more than 7,000 advisors, ManipalCigna has covered over 1.1 million lives in the state in FY25. Over the last three years, the company has settled claims worth ₹101 crore in the state, underscoring its mission to make quality healthcare more accessible, it said.
According to data from the General Insurance Council (GIC), ManipalCigna outpaced the sector with 30 per cent premium growth in the first quarter of FY26, the highest among standalone health insurance (SAHI) players, reflecting its strong regional strategy and customer-first product design.
From a healthcare standpoint, non-communicable diseases account for 68 per cent of the total disease burden in Tamil Nadu, higher than the national average of 61.43 per cent. This underscores the need for focused interventions on chronic diseases like diabetes and cardiovascular conditions. In response to such health challenges, ManipalCigna launched Sarvah for the 'missing middle', combining affordability with comprehensive coverage, including critical illness.
Sapna Desai, Chief Marketing Officer of ManipalCigna Health Insurance, said: 'Our commitment to making quality healthcare accessible across Tamil Nadu has been central to our journey. Over the years, our growing network, innovative offerings, and customer-centric approach have enabled us to earn the trust of our policyholders and our partners to deliver tangible value.'
'Our consistent growth and the launch of our innovative flagship product, Sarvah, with unique features such as infinite coverage available with the Sarvah Uttam plan and absolutely zero waiting period available with the Sarvah Param plan, demonstrate our dedication to the health, well-being, and peace of mind of our customers.'
'Tamil Nadu presents a strong opportunity for expanding health insurance access, especially in semi-urban and emerging markets. With Sarvah, we have addressed real and recurring healthcare needs through a solution that is simple, affordable, and predictable. We are committed to offering innovative health insurance products and experiences that build lasting trust and improve the well-being of our customers,' said Ashish Yadav, Head – Products and Operations, ManipalCigna Health Insurance.
ManipalCigna Health Insurance Company Limited is a joint venture between the Manipal Group, an eminent player in healthcare delivery and higher education in India, and Cigna Healthcare, a global health services company with over 230 years of experience. ManipalCigna is headquartered in Mumbai and has over 100 branch offices covering major metros and towns. The company has built a strong multi-distribution network of over 70,000 agents and more than 500 distribution partners across the country.
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Mint
2 days ago
- Mint
Manipal Cigna Sarvah Param health insurance offers ‘tatkal benefit' with Day 1 coverage. Details here
Health insurance policies usually come with a waiting period for pre-existing diseases (PED). While insurers have launched plans that cover PEDs such as diabetes, asthma, and high blood pressure, all standard policies start covering ailments only after 30 days, except in cases of accidents. How about an insurance with a 'Tatkal Benefit' that covers your ailments right from Day 1? Manipal Cigna Sarvah Param Health Insurance does just that. 'With Tatkal coverage in ManipalCigna Sarvah Param, policyholders can bypass all standard waiting periods, including those for hospitalisation, pre-existing conditions, and specific treatments. The plan provides absolutely zero waiting period, even for conditions that would typically be excluded for months or years under traditional plans,' said Ashish Yadav, Head of Products and Business Operations, Manipal Cigna Health Insurance. But there is a small catch. Just like Tatkal tickets on trains that cost more than regular ones, the premium under the plan is higher than regular plans. 'Plans like ManipalCigna Sarvah Param offer the added benefit of zero waiting period, which comes at an incremental cost. This is because this plan offers more from Day 1,' Yadav said. Even if you disclose pre-existing diseases, the insurer would provide coverage under the 'Tatkal Benefit' subject to certain conditions. 'With the Tatkal coverage, there is no mandatory waiting period for disclosed pre-existing conditions,' he said. 'Coverage begins from Day 1/immediately upon policy issuance, assuming the application adheres to the underwriting guidelines. This feature is particularly beneficial for individuals with chronic conditions who might otherwise delay getting insured,' Yadav said. No Zonal Co-pay: The policy also has 'No zonal co-pay'. This means that you can buy the insurance in a tier-3 city and get treated in tier-1 locations such as NCR (National Capital Region) and Mumbai without any additional costs, deductions, or additional premiums. 'Pay for the treatment, not the location. Get treated in any city of your choice without any additional financial burden. Because your care should never be limited by geography,' Manipal Cigna said. Surplus Benefit: You can get double the protection offered by the policy for the first claim every year. This means that if your sum insured is ₹ 5 lakh, you can get coverage for up to ₹ 10 lakh for the first claim in a year. 'Get double the protection. From day one, receive an extra 100% of your sum insured for the first claim each policy year, so you're prepared for everything,' Manipal Cigna stated. Guaranteed Cumulative Bonus: Called 'Gullak', Manipal Cigna offers a guaranteed increase of 100% of the sum insured for each policy year up to the maximum of 1000% of the sum insured, irrespective of any claim made in the previous policy year. 'Your Gullak balance grows by 100% each year with a guaranteed 10x bonus, safeguarding you against inflation and ensuring your coverage never runs out,' Manipal Cigna said. This means that your sum insured doubles every year. So, your ₹ 5 lakh insured becomes ₹ 10 lakh in the second year and can go up to a maximum of ₹ 50 lakh. Restoration of Sum Insured: Multiple restorations of the sum insured are available in a policy year for all illnesses, whether unrelated or the same. In addition to the base sum insured, restoration will not be triggered for the first claim. Sum Insured Options: ₹ 1 lakh, ₹ 5 lakh, ₹ 7.5 lakh, ₹ 10 lakh, ₹ 20 lakh, ₹ 25 lakh, ₹ 50 lakh, ₹ 100 lakh, ₹ 200 lakh and ₹ 300 lakh. For Adults: Minimum Age 18 Years, Maximum Age – No Limit Minimum Age 18 Years, Maximum Age – No Limit Dependent Children: Minimum Age 91 Days, Maximum Age – 30 years (Floater Basis) Policy Type: Individual/Multi-Individual and Family Floater (up to 2 Adults+3 Children) Policy Tenure: 1, 2, and 3 years Discounts: You can avail a discount of up to 20% on your renewal premium. You can also get up to a 2.5% early renewal discount on your policy renewal. In-Patient Hospitalisation: Covered up to the sum insured. This benefit also offers the following coverage up to the limits mentioned Listed modern and advanced treatments: Covered up to the sum insured HIV/AIDS & STD covered up to the sum insured Mental illness is covered up to the sum insured Room Accommodation: Covered up to a single private A/C room. For ICU, covered up to the sum insured. Day Care Treatment: All day care procedures are covered up to the sum insured. 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Time of India
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Chennai: The ManipalCigna Health Insurance Company Ltd has planned to expand its footprint in Tamil Nadu with 10 more branches and add over 10,000 advisors across South India. ManipalCigna Health Insurance Company Ltd is a joint venture between Manipal Group, an eminent player in healthcare delivery and higher education and global health services company Cigna Healthcare. Citing a data from the General Insurance Council (GIC), ManipalCigna said it outpaced the sector with a 30 per cent growth in premium in Q1 FY2026 reflecting its strong regional strategy and customer-first product design. With 18 offices, a network of over 1,500 empaneled hospitals, and over 7,000 advisors ManipalCigna has covered more than 11 lakh lives in TN in FY2025. Commenting on the growing presence in the State, company's Chief Marketing Officer Sapna Desai said, "Over the years, our growing network, innovative offerings, and customer-centric approach have enabled us to earn the trust of our policyholders and our partners to deliver tangible value." "Our consistent growth and the launch of our innovative flagship product, 'Sarvah' with unique features such as infinite coverage available with 'Sarvah Uttam' plan and absolutely zero waiting period available with 'Sarvah Param' plan, demonstrates our dedication to the health, well-being of our customers," Desai said in a press release, here. Over the last three years, the company has settled claims worth Rs 101 crore in Tamil Nadu. In the first quarter of the current financial year, the company achieved a 30 per cent premium growth.
Business Standard
15-07-2025
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ManipalCigna to expand Tamil Nadu reach as Sarvah drives new business
ManipalCigna Health Insurance, one of India's leading health insurers, has deepened its commitment to Tamil Nadu by accelerating the adoption of its innovative and award-winning product, ManipalCigna Sarvah. The company plans to expand its presence in the state with 10 more branches and add over 10,000 advisors across South India in FY26. Focused on India's 'missing middle' population, Sarvah contributed 52 per cent of the company's new business in Tamil Nadu during January to May 2025. With 18 offices, a robust network of over 1,500 empanelled hospitals, and more than 7,000 advisors, ManipalCigna has covered over 1.1 million lives in the state in FY25. Over the last three years, the company has settled claims worth ₹101 crore in the state, underscoring its mission to make quality healthcare more accessible, it said. According to data from the General Insurance Council (GIC), ManipalCigna outpaced the sector with 30 per cent premium growth in the first quarter of FY26, the highest among standalone health insurance (SAHI) players, reflecting its strong regional strategy and customer-first product design. From a healthcare standpoint, non-communicable diseases account for 68 per cent of the total disease burden in Tamil Nadu, higher than the national average of 61.43 per cent. This underscores the need for focused interventions on chronic diseases like diabetes and cardiovascular conditions. In response to such health challenges, ManipalCigna launched Sarvah for the 'missing middle', combining affordability with comprehensive coverage, including critical illness. Sapna Desai, Chief Marketing Officer of ManipalCigna Health Insurance, said: 'Our commitment to making quality healthcare accessible across Tamil Nadu has been central to our journey. Over the years, our growing network, innovative offerings, and customer-centric approach have enabled us to earn the trust of our policyholders and our partners to deliver tangible value.' 'Our consistent growth and the launch of our innovative flagship product, Sarvah, with unique features such as infinite coverage available with the Sarvah Uttam plan and absolutely zero waiting period available with the Sarvah Param plan, demonstrate our dedication to the health, well-being, and peace of mind of our customers.' 'Tamil Nadu presents a strong opportunity for expanding health insurance access, especially in semi-urban and emerging markets. With Sarvah, we have addressed real and recurring healthcare needs through a solution that is simple, affordable, and predictable. We are committed to offering innovative health insurance products and experiences that build lasting trust and improve the well-being of our customers,' said Ashish Yadav, Head – Products and Operations, ManipalCigna Health Insurance. ManipalCigna Health Insurance Company Limited is a joint venture between the Manipal Group, an eminent player in healthcare delivery and higher education in India, and Cigna Healthcare, a global health services company with over 230 years of experience. ManipalCigna is headquartered in Mumbai and has over 100 branch offices covering major metros and towns. The company has built a strong multi-distribution network of over 70,000 agents and more than 500 distribution partners across the country.
