Hey, My Grandfather has been advised to undergo brain surgery due to a serious medical condition, and our family is very concerned about both his health and the cost of treatment. We have a ManipalCigna Health Insurance policy, and I want to know if it covers brain surgery ?
Hii , When my Grandfather had to undergo brain surgery two years ago, it was one of the most stressful times of our lives. Thankfully, we had a ManipalCigna Health Insurance policy, and it played a major role in easing the financial burden so we could focus entirely on his recovery.
In most cases, brain surgery is covered under ManipalCigna Health Insurance if it is medically necessary—such as for treating brain tumors, aneurysms, trauma, or other serious neurological conditions. Our policy covered the surgery costs, ICU stay, medicines, diagnostic scans like MRI and CT, as well as pre-hospitalization tests and post-surgery follow-ups.
Here’s what helped us during the process:
• Notifying ManipalCigna immediately after the doctor recommended surgery.
• Applying for pre-authorization so we could use the cashless facility at a network hospital, which saved us from paying large amounts upfront.
• Keeping all medical reports, prescriptions, and bills in order to avoid delays in claim processing.
It’s important to note that coverage may depend on your specific plan, policy terms, and whether any waiting periods apply (usually for pre-existing conditions). Emergency cases are often processed faster, but prior approval and correct documentation still make a big difference.
If your grandfather is scheduled for brain surgery soon, I’d strongly recommend contacting ManipalCigna’s customer support with your policy number to confirm the exact benefits and documents needed. Knowing this early will let you focus more on his treatment and less on the financial side of things.