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ManipalCigna - Cashless Claim Denial for Inguinal Hernia Treatment Citing "Liability/Chronicity Cannot Be Ascertained" Over Unrelated Dizziness Episode

Manipal Cigna Health InsurancePC-2026-02872Insurance ClaimsAnonymous ·
ManipalCigna Health Insurance Company Ltd. Health Insurance, I need your attention on my cashless claim. I am currently undergoing treatment for inguinal hernia, and at a time when I genuinely need medical support, I am having to struggle for the cashless benefit I have consistently paid premiums for. My cashless claim has been denied stating "Liability/Chronicity cannot be ascertained." During the current assessment, a doctor recorded the word "stroke" based on an isolated past episode of dizziness. I have never been diagnosed, investigated or treated for stroke, and I had never consulted a doctor regarding that episode. What concerns me most is that the denial does not clearly explain the medical or contractual relevance of this historical, undiagnosed episode to my present hernia treatment, nor does it specify the policy clause or evidence on which the denial is based. I have been a regular and timely premium-paying customer and expected my policy to support me when I genuinely needed medical treatment. I sincerely request ManipalCigna Health Insurance Company Ltd. to reconsider the cashless denial, assess my claim strictly as per the applicable policy terms, and provide a clear, reasoned written explanation. I hope this can be resolved fairly and promptly. If it remains unresolved, I will have no option but to take appropriate action and escalate the matter further, along with the relevant documents and correspondence. A patient seeking genuine treatment should not have to face additional stress over an unexplained basis for denial. #ManipalCigna #PoorInsuranceClaim #CustomerRights #IRDAI

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Complainant
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Target Entity
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Medical Condition & Procedure
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Alleged Rejection Ground
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  1. Case filed

    System · 24 Oct 2026, 9:37 am

Comments (2)

  • Manipal Cigna Health Insurance (via email)Company

    Received via email from the company's official address · Sender: customercare@manipalcigna.com

    Dear Customer, Thank you for writing to us. We wish to inform that your email is being assigned to a Health Relationship Manager, who will assist you with the resolution. Please allow us to look into the matter and get back to you within 2 working days. To enable prompt servicing, we request you to check whether the following details are provided: · Your Policy number/ Proposal number · Service Request Number/ Claim Number Assuring you of our best services at all times. Yours sincerely, ManipalCigna Health Insurance Company Limited Corporate Office: ManipalCigna Health Insurance Company Limited(Formerly known as CignaTTK Health Insurance Company Limited) Raheja Titanium,4th Floor,- Unit no 401/ 402, Off Western Express Highway, Goregaon East,Mumbai –400 063, Maharashtra, India CIN: U66000MH2012PLC227948 IRDAI Reg. No.151.

  • Manipal Cigna Health Insurance (via email)Company

    Received via email from the company's official address · Sender: customercare@manipalcigna.com

    Dear Valued Customer, Greeting from ManipalCigna Health Insurance. This is in reference to your email dated 24-10-2026. We are happy to assist you; however, the email ID used to send this request is not registered with us. We kindly request you to resend your query using your registered email ID so that we can proceed further. If your email ID is not yet registered, you can easily update it through our e-Servicing Portal: You may also update your details through the myManipalCigna App: If you wish to purchase a new policy, please contact us on our toll-free number 1800 102 4464 or visit www.manipalcigna.com. We remain committed to enhancing your health, well-being, and peace of mind. Assuring you of our best services at all times. Yours sincerely, ManipalCigna Health Insurance

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