ProHealth Prime Active Plan
  • Worldwide emergency cover
  • Premium waiver benefit
  • Covers 36 listed critical illnesses
premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

cashless pay

ManipalCigna ProHealth Prime Active Plan

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:

  • 59% - Admit to not undergoing an annual health check-up
  • 90% - Do not visit doctors regularly to monitor their health
  • 71% - Employees pay for healthcare out of their pockets

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.

Better Coverage

  • As the product’s tagline suggests ‘ek baar lo achcha lo’. It means you need not worry about pre-existing conditions. PEDs related to Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity are covered after a specified waiting period.
  • Don’t want to lag on the non-medical expenses? The plan covers it as well.
  • You can earn upto 10% of the cumulative bonus for every claim-free year, up to a maximum of 100% of the sum insured.

Better Control

  • Get an unlimited restoration of the sum insured when you feel the base SI can’t cover you enough for unrelated illnesses.
  • Waives off the next 1 year's premiums on renewal, if there’s an occurrence of accidental death or a listed critical illness is diagnosed.
  • On a shared hospital accommodation, avail of the daily hospital cash benefit.

Better Care

  • On keeping yourself healthy and fit, you can receive upto 15% of the premiums as rewards.
  • For individuals with pre-existing conditions, the company provide a Condition Management Program.
  • Insured members can also get unlimited access to teleconsultations.

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.

Eligibility Criteria of ProHealth Prime Active Plan

Entry Age

Child: 91 days - 17 years

Adult Entry Age

Adult: 18 - 70 years

Policy Term

1/2/3 years

Plan Type

Individual/Multi-individual

Sum Insured

INR 3 - 15 Lakhs

Initial Waiting Period*

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:

Other waiting periods under ManipalCigna ProHealth Prime Active Plan

  • Initial waiting period: 30 days
  • Specified disease/procedure waiting period: 24 months
  • PEDs waiting period: 90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia & Obesity-related conditions; 24 months for all other conditions
  • Mental illness cover: 24 months

Benefits of buying ManipalCigna ProHealth Prime Active Plan

  1. Optional covers

    Several optional covers with this plan can extend your health insurance benefits, which are:

    • Health check-up: Available only in cases where the insured has not opted for the Wellness Benefit
    • Non-medical items: This cover helps you save on non-medical expenses during hospitalization (covered upto the sum insured)
    • Worldwide accidental emergency hospitalization: This cover is available on reimbursement option only and provides emergency hospitalization support worldwide (upto the sum insured)
  2. Value-added covers

    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.

    • Wellness program: If the insured person maintains the health parameters under the policy’s terms, and adheres to the Condition Management Program, they will get rewards upto 15% of the base premium.
    • Premium waiver benefit: This cover helps you waive off the annual premiums if the insured is diagnosed with any of the critical illnesses listed (36) in their policy or if there’s a case of an accidental death.
    • Network provider's discounts: The insured can avail of the discounts related to other medical expenses like pharmacy, diagnostics health supplements, medication, etc.
  3. Lifelong renewability

    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.

  4. Policy discounts available

    Get multiple discounts based on the specified conditions below:

    • Standing instruction discount: 3% on the renewal premium
    • Long-term discount: For 2 policy years- 7.5% and for 3 policy years- 10%.
    • Wellness discount: Upto 15% under the condition management program
  5. Tax benefits

    Avail a specified tax benefit against all the premiums that you’ve paid, under Section 80D of the Income Tax Act of India.

Inclusions of ManipalCigna ProHealth Prime Active Plan

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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

What is COVID-19 Treatment?

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

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under the ManipalCigna ProHealth Prime Active

Not Covered

What is a No-Claim Bonus?

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

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under the ManipalCigna ProHealth Prime Active

Not Covered

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under the ManipalCigna ProHealth Prime Active

Not Covered

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

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.

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under the ManipalCigna ProHealth Prime Active

Not Covered

What is Co-payment?

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.

What is the Sub limit?

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 Hospital List

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.

Exclusions: ManipalCigna ProHealth Prime Active Insurance Policy

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.

Conclusion

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.

Explore other Manipal Cigna Health Plans

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

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

ProHealth Plus (Pros)

  • In-patient hospitalisation
  • 500+ daycare treatment
  • Domiciliary hospitalisation
  • Deductible options
  • Maternity coverage
  • Sum insured restoration
  • Health maintenance benefit

ProHealth Plus (Cons)

  • No online consultations
  • Cataract not covered
  • No room rent with base cover
  • COVID-19 care not covered
  • SI inadequate for family

ProHealth Plus (Other Benefits)

  • Individual & family floater planr
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

ProHealth Plus (Eligibility Criteria)

  • Entry age- 91 days- 18 years (child)
  • Entry age- 18 years - No Limit (Adult)
  • SI - 4.5 - 50 Lakhs
  • Waiting Period - Minimum 30 days

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

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

Manipal Cigna Prime Advantage (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

Manipal Cigna Prime Advantage (Cons)

  • COVID-19 care not covered
  • Adventure sport injuries not covered
  • Cosmetic treatment is not covered
  • Sub-limits not applicable

Manipal Cigna Prime Advantage (Other Benefits)

  • Individual, multi-individual & family plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH treatment cover

Manipal Cigna Prime Advantage (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 5 Lakhs - 1 Crore
  • Waiting Period - 30 days

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

  • HIV/AIDS/STD care
  • Mental illness cover
  • Global healthcare

ProHealth Prime Protect (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor cover

ProHealth Prime Protect (Cons)

  • Adventure sport injuries
  • Cosmetic treatment
  • Alcoholism/drug abuse
  • Self-inflicted injury

ProHealth Prime Protect (Other Benefits)

  • Optional covers
  • Add-ons available
  • Unlimited benefits up to SI
  • Bariatric surgery cover
  • AYUSH treatment cover

ProHealth Prime Protect (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 3 Lakhs - 1 Crore
  • Waiting Period - 30 days

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

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

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

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable Plan

An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.

Unique Features

  • Affordable Health Plan
  • Up to 30 Lakhs SI
  • Beat Medical Care Inflation

ManipalCigna Super Top-up Plan (Pros)

  • Add On CI benefit
  • Up to 50% Cumulative Bonus
  • Donor Expenses Cover
  • Day Care Treatment Cover
  • Ambulance Cover

ManipalCigna Super Top-up Plan (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna Super Top-up Plan (Other Benefits)

  • Optional Covers Available
  • Add-on Covers Available
  • Non-medical expenses Cover
  • Opt for Any Room Category
  • Tax Benefits

ManipalCigna Super Top-up Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 30 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Pro Health Select

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

  • 2 Plan Variants Available
  • Avail Customized Features
  • Long Term Policy

Pro Health Select (Pros)

  • Reassurance Benefits
  • High SI Up to 25 Lakhs
  • Tax Benefits
  • 171 Day Care Procedures
  • Ambulance Cover

Pro Health Select (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Pro Health Select (Other Benefits)

  • Premium Waiver Option
  • Long Term Policy
  • Restoration Benefit
  • Health Reward Points
  • AYUSH Cover

Pro Health Select (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 25 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

Manipal Cigna Secure Health

The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.

Unique Features

  • Affordable Premiums
  • AYUSH Treatments
  • Day Care Procedures

Manipal Cigna Secure Health (Pros)

  • Modern Treatments Covered
  • Road Ambulance Covered
  • Cataract Cover
  • Emergency Ambulance
  • Pre and Post Hospitalization

Manipal Cigna Secure Health (Cons)

  • 48 Months PED Waiting Period
  • Injuries due to unlawful activities
  • Obesity
  • Injuries due to illegal activities
  • Dental Treatment

Manipal Cigna Secure Health (Other Benefits)

  • Tax Benefits
  • Flexible-Premium Payments
  • Multiple Discounts
  • Portable Policy
  • Renewable Policy

Manipal Cigna Secure Health (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 & 5 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna ProHealth Cash

A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.

Unique Features

  • 2 Plan Variants Available
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit

ManipalCigna ProHealth Cash (Pros)

  • Daily Cash Benefits
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Individual and Family Floater
  • 1/2/3 Policy Years

ManipalCigna ProHealth Cash (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna ProHealth Cash (Other Benefits)

  • Up to 10% long-term discount
  • 10% Family Discount
  • Critical Illness Add-On
  • Online Wellness Program
  • 15 Day free-Look Period

ManipalCigna ProHealth Cash (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 500 to 5000 Per day
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable standard health insurance plan for individuals and family members with up to 10 L SI.

Unique Features

  • Affordable Health Coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Arogya Sanjeevani Policy (Pros)

  • Allopathic & AYUSH Cover
  • Cashless Hospitalization
  • Tax Benefits
  • Multiple Discounts
  • Up to 50% Cumulative Bonus

Arogya Sanjeevani Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Pre & Post Hospitalization
  • Road Ambulance Cover
  • 15-Day Free-Look Period
  • Up to 10 L SI
  • 30-Day Grace Period

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 50k to 10 Lakhs
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

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

  • SI up to 10 Crores
  • Tax Benefits
  • Pre & Post Hospitalization Cover

Lifestyle Protection Accident Care (Pros)

  • Funeral Expenses Covered
  • Accidental Death Covered
  • Emergency Ambulance Covered
  • 3 Plan Variants
  • Orphan Benefit Covered

Lifestyle Protection Accident Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Accident Care (Other Benefits)

  • Education Fund Cover
  • Burn Benefit Cover
  • Permanent Disablement Cover
  • Partial Disablement Cover
  • Loss of Employment Cover

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 80 Years
  • SI - 50k to 10 Crores
  • Waiting Period - 30 Days

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

  • Up to 30 CI Covered
  • Avail Online Wellness Program
  • 2 Plan Variants Available

Lifestyle Protection Critical Care (Pros)

  • High Sum Insured
  • Medical Second Opinion
  • Premium Installments Available
  • Avail Multiple Discounts
  • Tax Benefits

Lifestyle Protection Critical Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Critical Care (Other Benefits)

  • Lump Sum Or Staggered Payouts
  • Global Plan
  • Cancer Cover
  • Bone Marrow Transplant
  • Deafness Cover

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 Crore
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Saral Suraksha Bima (Pros)

  • Up to 50% Cumulative Bonus
  • Add-On Cover
  • Individual & Family Cover
  • Flexible-Premium Payment
  • Up to 1 Crore SI

Saral Suraksha Bima (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Saral Suraksha Bima (Other Benefits)

  • Hospitalization Expense Cover
  • Education Grant
  • 3% Online Renewal Discount
  • 15% Family Discount
  • 10% Worksite Discount

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Crore
  • Waiting Period - 30 Days

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

  • Customizable Plan
  • 42 Optional Covers
  • Personal Accident Cover

Pro Health Group (Pros)

  • Avail hospitalization cover
  • Inpatient Hospitalization
  • Day Care Cover
  • Pre & Post Hospitalization
  • Road Ambulance

Pro Health Group (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Pro Health Group (Other Benefits)

  • Donor Expenses Cover
  • AYUSH Treatment Cover
  • Daily Cash Benefits
  • Critical Illness Cover
  • Personal Accident Cover

Pro Health Group (Eligibility Criteria)

  • Entry Age - No Limit
  • Max Entry Age - No Limit
  • SI - 5k to 1 Crore
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Lifestyle Protection Group Policy

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

  • Flexible Base and Optional Covers
  • 36 CI Covered
  • Cancer-only coverage available

Lifestyle Protection Group Policy (Pros)

  • Accidental Death Benefit
  • Permanent Total Disability Benefit
  • Multiple Optional Benefits
  • Partial Disability Benefit
  • Temporary Total Disability Benefit

Lifestyle Protection Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Lifestyle Protection Group Policy (Other Benefits)

  • Survival Period Waiver
  • Emergency Road Ambulance
  • Hospital Cash Benefit
  • Family Counselling
  • Medical Second Opinion

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 75 Years
  • SI - Up to 50 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.

Unique Features

  • Wellness Program
  • Customizable Cover
  • Home Care Benefit

FlexiCare Group Policy (Pros)

  • EMI Protection
  • Pay-out Options Available
  • Domestic Travel Cover
  • Premium Waiver
  • Cost Effective Plan

FlexiCare Group Policy (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

FlexiCare Group Policy (Other Benefits)

  • Surgery Cover
  • Day Care Cover
  • OPD Cover
  • Home Care Cover
  • Income Protection

(Eligibility Criteria)

  • Entry Age - No limit
  • Max Entry Age - No limit
  • SI - Up to 5 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Group Overseas Travel

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

  • Customizable Plan
  • Travel Expense Cover
  • Avail adventure sports cover

Group Overseas Travel (Pros)

  • Loss of Baggage Cover
  • Hijack Cover
  • OPD Cover
  • Easy Plan Management
  • 24/7 Toll-Free Assistance

Group Overseas Travel (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Group Overseas Travel (Other Benefits)

  • Medical Expenses Cover
  • Travel Inconvenience Cover
  • Travel Personal Accident Cover
  • 51 Optional Covers
  • Cruise Cover

Group Overseas Travel (Eligibility Criteria)

  • Entry Age - 0 Days
  • Max Entry Age - 95 Years
  • SI - Up to $ 50 Lac
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Global Health Group Policy

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

  • Avail Global Health Care
  • Wellness Program
  • Multiple Optional Covers

Global Health Group Policy (Pros)

  • Outpatient Benefits
  • In-patient Hospitalization
  • Day Care Cover
  • Maternity Cover
  • New Born Cover

Global Health Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Global Health Group Policy (Other Benefits)

  • Dental Cover
  • Vision Cover
  • Travel Vaccination Cover
  • Cancer Cover
  • Psychological Care

Global Health Group Policy (Eligibility Criteria)

  • Entry Age - Day 1
  • Max Entry Age - 95 Years
  • SI - $ 10 Million
  • Waiting Period - 30 Days

ManipalCigna ProHealth Prime Active: FAQs

1. What is the maximum sum insured offered by the Prime Active plan?

The maximum sum insured option under this plan is 15 Lakhs.

2. Who is eligible to buy the ManipalCigna ProHealth Active policy?

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.

3. Does this plan cover any critical illness?

Yes, the insurance policy covers upto 36 listed critical illnesses the names of which you can read about in the brochure link given above.

4. What are the convalescence benefits under the ProHealth Prime Active insurance policy?

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.

5. Which critical illnesses are covered under this plan?

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.

6. Where can I claim my ManipalCigna ProHealth Prime Active policy?

Give us a call at 1800 4200 269, we’ll help you get the policy benefits and a quick claim settlement.

7. What are the documents that I need to submit at the time of raising the claim?

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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