Network hospitals
8500+
Incurred claim ratio
99.96%
Sum insured
Up to 3 Cr
No. of Plans
1
Solvency Ratio
1.5
Pan India Presence
77+
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 by the ManipalCigna Health Insurance. 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.
To understand ProHealth Prime Active Plan Insurance in detail, take a look at the below table:
18 to 70 years
Individual and Family Health Insurance
3 L | 5 L | 7.5 L | 10 L | 12 L | 15 L
30 Days
Lifelong
1/2/3 years
*Initial Waiting Period is the time 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.
Read more specifications in the brochure.
With wide coverage options available, ProHealth Prime Active Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
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
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
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.
ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside 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.
To cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ManipalCigna Health Insurance plans explore more:
Individual and Family Health Insurance
ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...
Unique Features
Individual and Family Health Insurance
The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...
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Senior Citizen Health Insurance
We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...
Unique Features
Individual and Family Health Insurance
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...
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Individual and Family Health Insurance
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...
Unique Features
Individual and Family Health Insurance
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 prio...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...
Unique Features
Individual and Family Health Insurance
Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...
Unique Features
Individual and Family Health Insurance
ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...
Unique Features
Group Health Insurance
ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...
Unique Features
Individual and Family Health Insurance
ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...
Unique Features
Individual and Family Health Insurance
'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new SARVAH plan talks about. With this plan, ManipalCig...
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: Cancer of Specified Severity Myocardial Infarction (First Heart Attack of Specific Severity) Open Chest CABG Open Heart Replacement or Repair of Heart Valves Coma of Specified Severity Kidney Failure Requiring Regular Dialysis Brain Surgery Terminal Illness 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: Claim-form Medical reports All medical bills Hospital discharge summary Receipt and reports of investigation from the surgeon/medical practitioner Expert’s/medical practitioner’s prescription reports In case of accidents, self-declaration/MLC/FIR’s original copies
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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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