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Submit your complaint →Akash Arora, a senior Java Full Stack Engineer, has accused ManipalCigna Health Insurance of unfairly increasing premiums for existing customers. His complaint, now featured on Choice4Voice.com, highlights growing frustration among policyholders over discriminatory pricing and unethical renewal practices.
Complaint Summary
| Particulars | Details |
|---|---|
| Complainant Name | Akash Arora |
| Profession | Java Full Stack Lead Engineer |
| Company Concerned | ManipalCigna Health Insurance Company Ltd. |
| Issue Type | Unfair premium increase for existing customer |
| Date of Incident | November 2025 |
| Complaint Posted On | |
| Original LinkedIn Post URL | View Original Post |
| Status | Awaiting official response from ManipalCigna |
| Platform | Choice4Voice.com |
Complaint Summary — What Happened
Akash Arora, a Lead Engineer with over 7 years of experience in Java Full Stack, Cloud, and AI/ML technologies, recently shared a detailed post exposing ManipalCigna Health Insurance Company Ltd. for allegedly overcharging existing customers during policy renewal.
According to Akash, his last year’s renewal premium was ₹12,500, but this year the renewal showed ₹14,000 (after GST relief). When he called customer care to add his wife to the same plan, he was mistakenly connected to the new policy department, which quoted ₹16,500 for similar coverage.
However, upon being transferred to the renewal department, the premium suddenly jumped to ₹19,500 almost ₹5,000 higher than what new customers were being charged.
Akash described this experience as discriminatory and unethical, stating that being a loyal customer should never cost more than a new one. He criticized ManipalCigna’s business approach, saying it erodes trust and undermines long-term customer relationships.
Legal Case Can Be Filed
Based on the facts, the following legal remedies may apply to this case:
- Consumer Protection Act, 2019 (Unfair Trade Practice):
Charging different premiums for the same policy coverage can be challenged under unfair or discriminatory business practices. - IRDAI (Insurance Regulatory and Development Authority of India) Complaint:
Policyholders can file an official grievance with IRDAI for unethical renewal pricing or misleading offers. - Insurance Ombudsman Complaint:
A formal complaint can be filed under the Insurance Ombudsman Scheme 2017 for unfair renewal pricing. - Consumer Forum Complaint:
A case can be filed at https://edaakhil.nic.in for deficiency in service and excessive premium demand.
How Choice4Voice.com Can Help
Choice4Voice.com acts as a public advocacy platform for consumers who face unfair treatment from companies. Our process includes:
- Verifying complaints to ensure authenticity
- Publishing verified cases on Choice4Voice.com and LinkedIn for visibility
- Tagging concerned authorities and brands to ensure timely response
- Guiding consumers to escalate matters legally and professionally
If you have faced similar issues with ManipalCigna Health Insurance, you can submit your complaint at www.choice4voice.com for review and publication.
How to File a Complaint Against ManipalCigna
Step 1: Contact the Company Directly
- Visit https://www.manipalcigna.com
- Go to Grievance Redressal → Complaint Form
- Mention policy number and attach renewal quotation screenshots.
Step 2: Escalate to IRDAI
- Go to https://igms.irda.gov.in
- Register your complaint and upload communication proof.
- IRDAI typically intervenes if the insurer doesn’t respond within 15 days.
Step 3: File to Insurance Ombudsman
- Visit https://www.cioins.co.in
- Submit grievance under Unfair Premium Practices.
- Mention the variation between new and renewal premium quotes.
Step 4: File a Consumer Case
- Visit https://edaakhil.nic.in
- Select Insurance Service Deficiency
- Upload policy documents and correspondence records.
Pre-Drafted Complaint Email to ManipalCigna
Subject: Complaint Regarding Unfair Renewal Premium Increase
To: customercare@manipalcigna.com
Body:
Dear ManipalCigna Team,
I am writing to express my concern regarding the renewal premium for my health insurance policy. The new quote provided to me is significantly higher than what is being offered to new customers for identical coverage.
This appears to be an unfair and discriminatory pricing practice that penalizes loyal customers. I request an immediate review of my case and correction of the renewal premium.
Sincerely,
[Your Full Name]
[Policy Number]
[Registered Email ID]
Author Section
About the Complainant:
Akash Arora is a Java Full Stack Lead Engineer with over 7 years of professional experience in software development, cloud infrastructure, and AI/ML applications. As a mentor and technology trainer with 10,000+ LinkedIn connections, Akash actively advocates for fair corporate practices and consumer awareness in India.
How Choice4Voice.com Works
Choice4Voice.com is India’s independent consumer advocacy platform, empowering individuals to publicly share genuine grievances when companies fail to respond.
We:
- Verify and publish real cases to enhance visibility
- Drive accountability through public awareness
- Encourage lawful resolution through proper authorities
If your complaint has been ignored, visit www.choice4voice.com and raise your voice.
Frequently Asked Questions (FAQs)
Q1. Why is ManipalCigna charging existing customers more than new ones?
A1. Some insurers apply new risk-based pricing models, but this must be transparent and justified under IRDAI rules.
Q2. Can IRDAI take action against such practices?
A2. Yes, if found discriminatory, IRDAI can direct the insurer to revise pricing or issue refunds.
Q3. How can a consumer prove unfair premium pricing?
A3. By comparing renewal quotes and new customer quotes for identical coverage and submitting them as evidence.
Q4. What is the Insurance Ombudsman’s role?
A4. It’s an official authority to resolve complaints related to insurance claims, delays, or unfair charges.
Q5. How long does it take for IRDAI to respond?
A5. Generally within 15–30 days after complaint registration.
Q6. Can a consumer switch insurers without penalty?
A6. Yes, you can port your policy to another insurer without losing benefits.
Q7. Is it legal for insurers to increase renewal premiums yearly?
A7. Yes, but increases must be uniform, justified, and approved by IRDAI.
Q8. Can a customer demand premium breakdown?
A8. Absolutely. Insurers are required to provide a clear breakdown on request.
Q9. How to compare health insurance premiums accurately?
A9. Use official portals or call the same insurer’s new policy team for comparison.
Q10. What if ManipalCigna ignores my complaint?
A10. Escalate the issue to IRDAI via https://igms.irda.gov.in.
Q11. Can Choice4Voice.com help me write a formal complaint?
A11. Yes, Choice4Voice provides pre-drafted templates and legal complaint guides.
Q12. Can I claim compensation for mental harassment?
A12. Yes, under the Consumer Protection Act for unethical or negligent service.
Q13. How to port a policy easily?
A13. Submit a portability request 45 days before renewal through your new insurer.
Q14. What evidence strengthens my complaint?
A14. Renewal emails, premium breakdowns, and call recordings (if available).
Q15. How to ensure my future premiums are fair?
A15. Review IRDAI-approved pricing annually and compare market rates before renewal.
Q16. Are loyalty discounts mandatory?
A16. No, but insurers are encouraged to offer benefits to retain customers.
Q17. Can renewal premiums vary by city or age?
A17. Yes, based on IRDAI guidelines, but not due to existing vs new status.
Q18. What if I’ve already renewed at a higher rate?
A18. You can still file for a refund of excess premium through the Ombudsman.
Q19. How long does it take to resolve such cases?
A19. Usually 30–60 days depending on the insurer’s response.
Q20. Can Choice4Voice.com escalate to media or regulators?
A20. Yes, Choice4Voice publishes cases publicly to push for faster resolution and accountability.
Published by Choice4Voice.com — India’s Consumer Advocacy Platform for Unheard Voices
Raising Awareness. Driving Justice.
