ManipalCigna » gives you full control over your policy expenses with voluntary co-payment and deductible options. You can select a co-pay of 10% or 20% to reduce your annual premium, or opt for a deductible where you pay a fixed initial amount and the insurer covers the rest. This flexibility helps you find the right balance between affordability and coverage. It’s a great option for financially savvy customers who want to lower premiums without compromising protection. You can even remove the mandatory senior citizen co-pay by paying a nominal extra premium. It’s truly customizable health insurance.