Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi.
But have you ever imagined why Indians don’t prioritize their health? Well, there are facts attached to it.
According to a report by Plum which surveyed over 700 corporate employees and 25+ medical practitioners in 2023, below are some of the factors that it reveals about Indians:
Do you think this is a good record? No, of course. Healthcare expenses are shooting up, and there is no chance that an average employer or a middle-class family can afford such huge medical bills. To cope with an unforeseen event and get medical support in times of distress, everyone needs to have precise health insurance like ManipalCigna ProHealth Prime Active. Additionally, there are domestic second opinions for 36 listed critical illnesses meaning, you have an extended health policy to cover up in tragic times.
What are the outstanding health coverage benefits of this plan? Read below to know more about it.
We’ve curated a list of benefits, the eligibility criteria, specifications and exclusions of the ManipalCigna ProHealth Prime Active plan. Read this guide for further details.
Child: 91 days - 17 years
Adult: 18 - 70 years
1/2/3 years
Individual/Multi-individual
INR 3 - 15 Lakhs
30 days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan read the brochure provided below:
Several optional covers with this plan can extend your health insurance benefits, which are:
Apart from the domestic second opinion, teleconsultation, and cumulative bonus with this plan, there are more value-added covers so that you can utilize the maximum of your insurance policy.
Lifelong renewability with the Prime Active plan makes sure that you are safe under the shield of a health policy that will elevate your experience with healthcare support.
Get multiple discounts based on the specified conditions below:
Avail a specified tax benefit against all the premiums that you’ve paid, under Section 80D of the Income Tax Act of India.
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not covered
New Born Baby Cover
Not covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Covered
Sub-limits
Not covered
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under the ManipalCigna ProHealth Prime Active
Covered for Sum Insured equal to INR 3 Lakhs - 1% of SI per day.
And for Sum Insured >=INR 5 Lakhs - Single Private AC room
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered up to the Sum Insured.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered; 30 Days; up to the Sum Insured.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered; 60 Days; up to the Sum Insured.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered; up to 10% of the Sum Insured.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered; up to the sum insured.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the ManipalCigna ProHealth Prime Active
Not covered
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered
A common eye condition in which your vision gets blurred.
Coverage status under the ManipalCigna ProHealth Prime Active
Not Covered
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under the ManipalCigna ProHealth Prime Active
10% of Sum Insured for every claim-free year; maximum up to 100%
10% decrease in accumulated cumulative bonus per policy year in case a claim has been paid
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered for unlimited times for unrelated illnesses. Applicable from 2nd claim onwards.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under the ManipalCigna ProHealth Prime Active
For Sum Insured INR 5 L to 10 L: INR 800 per day up to a maximum of INR 5,600.
For Sum Insured >INR 10 Lacs: INR 1,000 per day up to a maximum of INR 7,000.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered upto the Sum Insured.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under the ManipalCigna ProHealth Prime Active
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under the ManipalCigna ProHealth Prime Active
Not Covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered upto the Sum Insured.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under the ManipalCigna ProHealth Prime Active
Not Covered
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered for modern and advanced treatments, mental illness covers; upto 50% of the Sum Insured.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under the ManipalCigna ProHealth Prime Active
Covered upto the Sum Insured.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under the ManipalCigna ProHealth Prime Active
Not covered
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under the ManipalCigna ProHealth Prime Active
Not covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under the ManipalCigna ProHealth Prime Active
Worldwide accidental emergency hospitalization cover (indemnity); Up to the Sum Insured; Over and above the base Sum Insured. Available on a reimbursement basis only.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under the ManipalCigna ProHealth Prime Active
Unlimited teleconsultations are available.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under the ManipalCigna ProHealth Prime Active
Available only in case of wellness benefit.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under the ManipalCigna ProHealth Prime Active
Domestic second opinion is covered once during a policy year for each of the 36 listed critical illnesses.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the ManipalCigna ProHealth Prime Active
Not Covered
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under the ManipalCigna ProHealth Prime Active
Applicable as a 10% mandatory co-pay for each claim.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under the ManipalCigna ProHealth Prime Active
Not applicable
ManipalCigna Health Insurance Network hospitals are present in 30 states across the country. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically protected, no matter which city you live in.
Investigation & evaluation
Rest cure, rehabilitation and respite care
Obesity/weight control treatments
Change of gender treatments
Cosmetic or plastic surgery
Refractive error
Unproven treatments and excluded providers
Dietary supplements and non-prescribed medications
Alcoholism or substance abuse
Breach of Law
Contamination from nuclear fuel or radiation
Hazardous or adventure sports
Foreign invasion or civil war
Others, as per the terms and conditions of your policy documents. For a detailed list of exclusions check the policy wordings thoroughly.
ManipalCigna ProHealth Prime Active insurance is an inclusive health policy that provides coverage benefits for incurred medical expenses before and during hospitalization. Additionally, it not only covers basic healthcare facilitation but also offers a wide range of wellness benefits and coverage for upto 36 listed critical illnesses.
Make an informed decision while you browse through the health insurance plans offered by multiple companies. And guess what? We help you avoid this hassle of selecting the best health plans by giving you a fair platform to compare several health policies and buy only what suits you the best.
Go to the ‘Best Health Insurance Plans’ section of PolicyX.com and search for the plans you’re looking for. Or get a quote by giving us a call at 1800 4200 269.
Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Individual/Family Plan
This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.
Unique Features
Comprehensive Plan
The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.
Unique Features
Comprehensive Plan
This plan is exclusively designed to cater to quality healthcare services covering worldwide OPD treatment and is available on an individual, multi-individual & family floater basis.
Unique Features
Comprehensive Plan
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
Unique Features
Comprehensive Plan
Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.
Unique Features
Comprehensive Plan
A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.
Unique Features
Comprehensive Plan
A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.
Unique Features
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Plan
Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.
Unique Features
Affordable Plan
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Plan
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
Affordable Plan
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
Accident Plan
A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.
Unique Features
Critical Illness Plan
A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.
Unique Features
Group Plan
An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.
Unique Features
Group Plan
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Group Plan
Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.
Unique Features
Group Plan
A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.
Unique Features
The maximum sum insured option under this plan is 15 Lakhs.
The age limit for buying this policy is 18 to 70 years (max). Whereas, the minimum and maximum age of buying this policy for dependent children is 91 days to 17 years respectively.
Yes, the insurance policy covers upto 36 listed critical illnesses the names of which you can read about in the brochure link given above.
The convalescence benefit of this plan is valid for the sum insured more than or equal to INR 5 Lakhs, for which the company will pay upto INR 30,000 as the lump sum amount for hospitalization but not more than 10 days.
The ManipalCigna ProHealth Prime Active insurance covers over 36 listed critical illnesses, some of the names of which are mentioned below:
For further information, please connect with us.
Give us a call at 1800 4200 269, we’ll help you get the policy benefits and a quick claim settlement.
These are the mandatory documents that you would need to submit to get your claim settled:
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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February 5, 2023
Asia/Kolkata
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