City-level data shows that Tier 2 and Tier 3 cities account for more than 84 percent of all respiratory claims, making them as affected as urban clusters. Among metros, Delhi NCR contributes 6.5 percent of respiratory claims, the highest among Tier-1 cities, mirroring its previous chronic winter smog levels. Bengaluru and Mumbai contribute 4.5 percent and 4.2 percent respectively, confirming that pollution-linked respiratory conditions extend beyond North India.

In 2024, respiratory conditions made up 18.8 percent of all seasonal (winter) disease-related claims, led by COPD and asthma, followed by lung diseases caused by external agents and ARDS. These illnesses are known to intensify during high particulate and toxic pollutant exposure, reinforcing the health risks caused by winter smog.

The findings underline rising respiratory vulnerability nationwide, cutting across major metros as well as emerging urban centres.

Dr. Vidyadhar Dhaware, Head of Claims and Provider Network, ManipalCigna Health Insurance, said, “In recent years, we have observed a clear rise in respiratory diseases during the winter months, which closely mirrors the increase in smog and particulate pollution. Patients across age groups report coughing, wheezing, breathlessness, and heightened asthma or COPD flare ups. Polluted air weakens the lungs natural defence system and makes individuals more susceptible to infections and complications. Children, the elderly, and people with pre-existing respiratory conditions are particularly vulnerable. During this period, it is crucial to limit outdoor exposure, use protective masks, improve indoor air quality, and seek timely medical care if symptoms escalate.”

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With over two decades of experience in the insurance industry, Joydeep brings a wealth of expertise in actuarial science, product development, and business strategy. He has been associated with the company for over seven years, having previously served as Appointed Actuary and Chief Officer – Actuarial, Product, Reinsurance, Group Underwriting & Analytics. Joydeep holds a Master’s in Applied Statistics and Informatics from the Indian Institute of Technology, Bombay.

Jérôme Droesch, CEO International Organizations, Domestic Health and Health Services, Cigna Healthcare International Health, said, “Joydeep’s deep understanding of the organization and the broader health insurance means that he is well-equipped to lead the company into its next phase of strategic growth. We are confident that under his leadership, the organization will continue to strengthen its market position and deliver sustainable growth in a dynamic and evolving industry.”

“Joydeep’s appointment to the role of MD & CEO at ManipalCigna Health Insurance is a testament to his experience and commitment. His extensive tenure and comprehensive institutional knowledge make him perfectly positioned to lead the business into the future. I have every confidence he’ll succeed in this next chapter,” said S Vaitheeswaran, Vice Chairman, Manipal Education & Medical Group (MEMG).

Joydeep will continue to work closely with the leadership team to expand the company’s distribution channels, strengthen the brand, and create long-term value for the organization and its customers. His appointment underscores ManipalCigna’s commitment to building a leadership team with a deep understanding of the industry and a passion for delivering customer value.

Commenting on his appointment, Joydeep Saha said, “The health insurance industry is undergoing rapid transformation, and ManipalCigna is strongly positioned to lead this change. With the strong foundation and a talented team, I look forward to expanding our reach, leveraging technology to enhance customer experience and further strengthen our market leadership.”

ManipalCigna has created a niche in the health and wellness sector by offering its customers innovative products and services.

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Product of the Year is the world’s largest consumer-voted award for product innovation. The recognition is based on an independent consumer survey conducted by research firm NielsenIQ on behalf of Product of the Year, and serves as an internationally recognized certification of excellence in consumer products and services.

Commenting on the recognition, Shashank Chaphekar, Chief Distribution Officer, ManipalCigna Health Insurance, said, “Sarvah is an inclusive health insurance offering, thoughtfully designed to cater to the healthcare needs of every Indian, whether in metros or in Tier 3 and Tier 4 cities. With Sarvah, we have created a comprehensive solution that brings affordability, accessibility, and innovation together under one umbrella.” 

Sapna Desai, Chief Marketing Officer, ManipalCigna Health Insurance, shared, “The name ‘Sarvah’ which means ‘For all’, was born out of deep consumer insight. We wanted to create a product that would resonate with every individual, regardless of where they are in their financial or health journey. This recognition as Product of the Year is a proud moment for us. Sarvah offers standout features like Anant benefit, Gullak rewards, and flexibility through different plan options, making it truly a health insurance solution for all.” 

ManipalCigna Sarvah offers three differentiated plan options tailored to meet diverse healthcare needs:

·         ManipalCigna Sarvah Uttam features a customizable plan with the Anant benefit offering infinite coverage, empowering customers with the freedom to tackle life’s most critical health challenges.

·         ManipalCigna Sarvah Param delivers zero waiting period coverage and goes the extra mile to address all healthcare needs, offering customers instant peace of mind.

·         ManipalCigna Sarvah Pratham provides essential health insurance coverage, ideal for first-time buyers or existing customers seeking enhanced protection against serious illnesses.

This recognition further reinforces ManipalCigna’s dedication to building need-based health insurance solutions that are accessible, relevant, and designed to deliver lasting value.

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The meeting brought together key stakeholders from the government, regulatory bodies, and insurance industry to review the progress made and chart a collaborative roadmap for enhancing insurance coverage across the state. Among the dignitaries present were Dr. Vishal R, Secretary to Government, Finance (Fiscal Reforms), Government of Karnataka, Shri Sunil Kurtkoti, Financial Advisor, Finance Department, Government of Karnataka, Shri Krishna Deshpande, Consultant, Finance Department, Government of Karnataka and Shri Inderjeet Singh, Secretary General, General Insurance Council.

Karnataka has consistently stood at the forefront of India’s economic development, and its contribution to the insurance sector is no exception. As the second-highest contributor to national insurance premiums and ranked 2nd in Gross Direct Premium Income (GDPI) in FY24, the state plays a pivotal role in driving inclusive financial protection. The collaborative efforts of all lead insurers through their initiatives enable the spreading of health insurance awareness and accessibility across the state, especially in Tier 2 and 3 cities.

Addressing the audience, Dr. Vishal R, Secretary to Government, Finance (Fiscal Reforms), Government of Karnataka, commended the efforts of insurers and congratulated them on the successful conduct of the second State-Level Insurance Coordination (SLIC) meeting. Highlighting the importance of insurance awareness, he called for greater synergy between SLIC, the State Level Bankers’ Committee (SLBC), and the District Level Bankers’ Committee (DLBC) to strengthen outreach. He also stressed the need to adopt government-backed schemes such as Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) as the starting point for building awareness and driving insurance inclusion at the grassroots level.

Shri Inderjeet Singh, Secretary General, General Insurance Council, recognized the industry’s sustained initiatives to spread insurance awareness and penetration across the state of Karnataka. He emphasized the importance of continued collaboration and support for the sector, particularly in facilitating timely access to data.  He reaffirmed the industry’s commitment to working closely with the government to deepen insurance awareness, highlighting the launch of the ‘Achha Kiya Insurance Liya’ campaign, a key step towards deepening insurance penetration and strengthening financial protection for all.

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The camp was attended by over 150 parents and students from the local community. As part of the initiative, ManipalCigna Health Insurance conducted free full-body health check-ups, offering essential screenings and consultations. Additionally, health and hygiene medi-kits were distributed to all participating students, reinforcing the importance of personal well-being. Recognizing the importance of building health security from an early age, this initiative created an interactive platform for families to understand the significance of early health intervention and the benefits of health insurance.

Sapna Desai, Chief Marketing Officer, ManipalCigna Health Insurance, said, “As an organization, we believe that health insurance awareness should begin at an early age, empowering families to make informed choices for their well-being and financial security. By reaching out to students and parents in schools, especially in Tier 2 and Tier 3 towns, we are nurturing a culture of preparedness and protection that will benefit communities for generations. The encouraging response we have received for our awareness program across Karnataka, reassures us that we are on the right path.”

In line with the Insurance Regulatory and Development Authority of India’s (IRDAI) vision of “Insurance for All by 2047”, ManipalCigna is intensifying its efforts in Karnataka, one of the company’s key focus states as one of the lead insurers, to ensure more individuals and families understand the value of health insurance and have access to quality healthcare. By conducting awareness drives and health camps at the grassroots level, ManipalCigna is helping bridge the protection gap and support the national goal of universal insurance coverage.

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Bengaluru, January 28, 2025 – ManipalCigna Health Insurance in collaboration with the local government authorities, successfully organized a preventive healthcare camp in Bengaluru Urban this week with the broader vision of spreading health insurance awareness to the grassroots of India. The initiative provided health screening services including Blood Pressure, Eye check-ups and Blood Sugar tests to over 100 residents of Channenahalli Gram Panchayat, located in Bengaluru Urban district.

ManipalCigna Health Insurance in alignment with IRDAI’s mission of ‘Insurance for All’ by 2047, is focused on educating Indians about the importance of managing health as well as addressing the need for having adequate health coverage.

The camp was inaugurated by Panchayat Development Officer, Naranaswamy and Panchayat Member, Kaalayya, along with Sapna Desai, Chief Marketing Officer and India Project Lead – State Insurance Plan for ManipalCigna Health Insurance, Sapna Desai.

Speaking about the camp, Sapna Desai, Chief Marketing Officer and India Project Lead, ManipalCigna Health Insurance shared, “As an organization, we are committed to fostering healthier communities by making healthcare and health insurance accessible to everyone. We are glad to see the positive participation by the residents of Channenahalli today. Initiatives like these bring us closer to the vision of ‘Insurance for All’ by 2047.”

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• ManipalCigna Sarvah Uttam offers personalized and comprehensive health insurance cover with infinite coverage option in the name of Anant, helping customers experience the freedom against life’s most critical health challenges.
• ManipalCigna Sarvah Param offers Day 1 coverage, ensuring zero waiting period so that customers can get immediate access to quality healthcare. The plan also provides unlimited sum assured, giving customers the peace of mind and complete continuity from day 1.
• ManipalCigna Sarvah Pratham provides an essential and affordable health insurance coverage option, specifically tailored for the missing middle. It caters to both new to health customers and existing ones who would like to enhance their coverage against major illnesses and accident-related hospitalization(s). 

Bengaluru, October 04, 2024 – ManipalCigna Health Insurance, one of the fastest-growing standalone health insurance company, announces the launch of its new health insurance offering, ‘ManipalCigna Sarvah’. Designed to offer a complete health insurance solution, ‘Sarvah’ – which means For All, provides affordable and inclusive health coverage for wider customer segments, with special focus on Bharat’s missing middle population.

India continues to battle the triple disease burden of communicable, non-communicable and lifestyle diseases. According to ‘Health Insurance for India’s Missing Middle’ report by NITI Aayog, at least 30% of the population, or 35-40 crore individuals falling in the segment of ‘The Missing Middle’ are devoid of any financial protection for health. Thus, to deepen health insurance penetration across the country and to cater to various customer segments, including the missing middle, ManipalCigna has launched ‘Sarvah’ to provide complete health insurance protection to safeguard against unpredictable high health expenditures, which can save households getting pushed into poverty.

Mr. Prasun Sikdar, Managing Director and CEO, ManipalCigna Health Insurance, commented on the launch, “At ManipalCigna, our commitment goes beyond just offering health insurance—it’s about innovating solutions that bridge the critical gaps in healthcare access and affordability, especially for Bharat’s missing middle. With the launch of ‘ManipalCigna Sarvah,’ we are introducing a complete health insurance solution that not only caters to diverse customer segments but also strategically addresses the affordability and accessibility challenges faced by India’s missing middle along with driving the Government and the Regulator’s vision of ‘Insurance for All by 2047’.”

Sikdar further added, “Each offering of the ‘The ManipalCigna Sarvah Trinity’ has been designed with tailored benefits to provide the right level of coverage and deliver Essential Shield, Infinite Power, and Instant Peace for all. We are confident that ‘ManipalCigna Sarvah’ which offers Anant Benefit with unlimited cover for 4 major organ illnesses, Gullak Advantage that guarantees up to 1000% Sum Insured irrespective of claims and Sarathi Benefit that gives cover from 31^st day onwards for pre-existing disease like Diabetes, Obesity, Asthma, Blood Pressure & Cholesterol, amongst other enticing features, will make a meaningful difference in helping people secure the right level of coverage for their specific health needs.”

ManipalCigna Sarvah comes with three distinct variants

• ManipalCigna Sarvah PRATHAM:

o    Customers can enjoy comprehensive hospitalization coverage up to Rs. 3 Cr. for cancer, heart, stroke, and major organ/bone marrow transplants.

o    Customers also have the optional cover to start their coverage from day 31 for pre-existing conditions such as Diabetes, Hypertension, Dyslipedaemia, Asthma and Obesity without the usual 36-month waiting period.

• ManipalCigna Sarvah UTTAM:

o    This plan provides comprehensive and customizable coverage with several optional coverages along with an option to avail cover from 31^st day named ‘Sarathi’ for the pre-existing conditions such as Asthma, Diabetes, Hypertension, Obesity and Dyslipidaemia.

o    Anant Benefit provides unlimited coverage for hospitalization arising due to cancer, heart, stroke and major organ/bone marrow transplants, available with a base Sum Insured of Rs 10 Lacs and above.

• ManipalCigna Sarvah PARAM:

o    With Sarvah Param, customers are covered for pre-existing conditions and for specific illnesses from day one—no waiting period required.

o    This plan also offers Gullak – accumulating your bonus at the end of each year, guaranteed, with 100% increase in the sum insured annually, up to a maximum of 1000% (10 times of the base sum insured), irrespective of claims.

ManipalCigna Sarvah comes with a host of benefits, including value added and optional covers for additional protection and customization:

• Every variant of ‘Sarvah’ provides coverage for In-patient hospitalization for both modern and advanced treatments up to sum insured.
• All plans cover expenses related to organ donation, including pre- and post-hospitalization costs for the donor for up to 30 days. They also include the cost of screening the donor once a year and cover complications from the organ donation, up to 25% of the sum insured or Rs. 2 Lacs, whichever is high in addition to the base sum insured.
• Surplus benefit provides 100% of the Sum Insured available from day 1 for 1st claim only, in each policy year.
• All variants provide pre-hospitalization cover up to 90 Days & post-hospitalization cover up to 180 Days.
• The plans also offer value-added benefits such as unlimited tele-consultations with a General Physician and rewards for completing health activities under the Healthy Life Management Program.
• ManipalCigna Sarvah Pratham, Sarvah Uttam, and Sarvah Param, all provide Personal Accident Cover up to Rs 3 Cr, with added benefits.
• Early Renewal Discount – customers will receive 2.5% discount on renewal premium, for all the plans, if the policy is renewed 30 days prior to the date of expiry.
• First Policy Renewal Discount – customers will receive 5% discount on first policy renewal, under Sarvah Pratham and Sarvah Uttam plans.
• Family discount of 10% on covering 2 or more family members under same individual policy or multi-individual basis.

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