Their range of products includes a comprehensive suite of health insurance plans catering to individuals, families, and groups, covering hospitalization, critical illnesses, personal accidents, and international healthcare needs, along with riders to enhance coverage. Key features of their plans often include cashless hospitalization at a wide network of hospitals, coverage for pre and post-hospitalization expenses, daycare procedures, domiciliary treatment, AYUSH treatment, and some plans even offer international coverage and wellness programs. ManipalCigna emphasizes customer service and aims to provide accessible and quality healthcare solutions through a dedicated customer service team and online platforms for policy management and claims. The company reports a high claim settlement ratio, indicating their efficiency in processing claims, and they offer 24/7 claim assistance. With a significant network of hospitals across India, policyholders can conveniently access cashless treatment. ManipalCigna also often incorporates wellness programs and rewards to encourage healthy lifestyles among their customers
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Health insurance CEOs to testify before House committees amid rising premium costs
The CEOs of five major health insurance companies, including UnitedHealth Group, CVS Health, and Cigna, are set to testify before two House committees on Thursday, facing questions about rising healthcare costs. The hearings come after Republicans allowed enhanced Affordable Care Act (ACA) subsidies to expire, leading to sharp premium increases for millions of Americans. Despite the urgency of the issue, Congress has few immediate plans to address the lapse in tax credits, and the odds of passing a bill to lower premiums anytime soon are slim.
The hearings are expected to focus on the “root causes” of higher healthcare prices, with Republicans blaming the ACA for driving up costs. However, experts argue that the expired enhanced ACA tax credit is the main culprit behind the current affordability crisis. Gideon Lukens, a senior fellow at the Center on Budget and Policy Priorities, said that the ACA fixed issues around coverage for people with pre-existing conditions and made the insurance market “functional and stable.”
Insurers, on the other hand, argue that premium hikes reflect rising costs elsewhere in the healthcare system, particularly hospital and prescription drug costs. Stephen Hemsley, CEO of UnitedHealth Group, plans to tell lawmakers that insurers “compete aggressively” to keep premiums affordable, but the cost is largely determined by the broader healthcare system. David Joyner, CEO of CVS Health, said that the company helps families struggling with the rising cost of healthcare, driven by factors such as greater demand for care, growing medical provider costs, and high prices for hospital care and prescription drugs.
The hearings are seen as an attempt by Republicans to shift blame for rising healthcare costs away from their own policies and onto the insurance companies. President Donald Trump has also rolled out a healthcare plan that includes redirecting funding for ACA subsidies into health savings accounts, but the plan has drawn criticism for lacking details and restating previous ideas. With the Senate out this week and the House set to go into recess next week, it is unlikely that any meaningful legislation will be passed to address the issue of rising healthcare costs.
ManipalCigna expands health insurance reach in Jammu and Kashmir
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.
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