ManipalCigna Health Insurance has expanded its operations in Jammu and Kashmir, aiming to provide comprehensive and affordable health insurance solutions to the residents of the Union Territory. This move is part of the company’s strategy to reach underserved families in tier-2 and tier-3 cities across the country. As a joint venture between the Manipal Group and Cigna Healthcare (USA), ManipalCigna currently serves over 20 million customers nationwide through its network of 120 branches and 15,000 hospitals.
The expansion in Jammu and Kashmir is led by the company’s flagship product, ManipalCigna Sarvah, which has been recognized as the Product of the Year 2025 in the health insurance category. ManipalCigna Sarvah offers three plans – Pratham, Uttam, and Param – designed to cater to different healthcare needs and budgets. The Param plan provides Day 1 coverage with no waiting period and unlimited sum insured, while the Uttam plan offers personalized coverage with an infinite sum insured option. The Pratham plan is targeted at first-time and underinsured customers, providing affordable coverage.
ManipalCigna’s focus on product innovation and efficient claims servicing has enabled it to maintain a high level of service quality. The company has a reputation for quick settlements and low post-sale complaint ratios, reflecting its commitment to customer satisfaction. With its expansion in Jammu and Kashmir, ManipalCigna aims to increase access to quality healthcare services for the residents of the Union Territory, contributing to the overall development of the region. By providing comprehensive and affordable health insurance solutions, ManipalCigna is helping to bridge the gap in healthcare services in tier-2 and tier-3 cities, ultimately benefiting underserved families and individuals.