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
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna ProHealth Prime Advantage is a plan that covers OPD expenses like consultation, diagnosis and pharma. Apart from this, the plan gives you the freedom of choosing any room category at the time of hospitalisation, covers cashless non-medical expenses, and annual health check-ups from the first year of policy issuance irrespective of the claims you’ve raised previously in the same year.
ManipalCigna Prime Advantage plan is a subsidiary plan type under the ManipalCigna ProHealth Prime health plans. The other two plan variants under the ManipalCigna ProHealth Prime plan are- Prime Protect and Prime Active.
The plan covers relationships as:
For Individual plans: Self, Spouse, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister
For Family Floater plans: Self, spouse, children and parents. A floater cover can insure a maximum of 2 adults and 3 children under a single policy
The plan variant ManipalCigna ProHealth Prime Advantage promises to provide its policyholders with better coverage of escalation to OPD, and zero deductions towards non-medical expenses (nursing, consultation, diagnosis, drugs, etc). Furthermore, you can avail of the better control mechanism under this plan which says;
This all-rounded health plan is not limited to just these benefits, here are other major benefits of the plan as well:
Package options |
Coverage benefits |
---|---|
Enhance | Maternity expenses, newborn cover, 1-year vaccination charges, necessary medical termination of pregnancy, etc (covered up to two pregnancies in the whole lifetime, applicable at a rate of 10% SI on each of the two deliveries up to INR 1 Lakh. |
Newborn care coverage under which any kind of delivery complications, and post-partum health support against any complications along with the baby’s healthcare up to 91 days from the day of delivery is borne by the insurer. | |
Room accommodation is a great convenience with this optional package as you get the freedom to opt for any category of room including suite, private room, etc according to your choice. | |
Freedom (only applicable to Indian residents) | Opt for the best rooms for your best comfort during hospitalisation and treatment of a disease. |
Worldwide emergency hospitalisation with an out-patient coverage benefit allows the insured to receive out-patient treatment in a situation of emergency outside India. |
These are a few factors that decide the eligibility criteria for the ManipalCigna Prime Advantage plan:
Child - 91 days - 25 Years
Adult - 18 years- No Maximum Limit
1/2/3 years
Individual/Family floater/Multi-individual
INR 5 Lakhs - 1 Crore
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.
Read more specifications in the brochure.
Waiting periods for this plan vary from condition to condition, like:
The ManipalCigna Prime Advantage plan comes with different features. See below the plan specifications:
Coverage for SI: 5 Lakhs - 1 Cr
Room Rent
Available
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Applicable
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Available
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Not Applicable
Sub-limits
Not Applicable /p>
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Available. Single, Private, AC rooms are covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered up to the SI
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered for up to 60 days; up to the SI
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered for up to 180 days; up to the SI
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered Up to 10% of the SI
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
500+ listed daycare treatments covered up to SI
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered
For options from INR 20,000/30,000/50,000 per policy year, cashless consultation, prescribed diagnostic and pharmacy expenses, a sub-limit of 20% of the OPD limit shall apply to pharmacy expenses
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Not Available
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Not Available with the base plan. However, the optional package (Assure) under Prime Advantage covers cataract treatment with a sub-limit.
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
A guaranteed bonus of 25% of the base Sum Insured per policy year maximum of up to 200% of the base Sum Insured but only with value-added covers.
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Unlimited Restoration of Sum Insured for unrelated/related illnesses. Applicable from 2nd claim onwards.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Daily cash for shared accommodation is applicable like:
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Expenses of the major organ transplant and the donor are covered by SI.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Maternity expenses are not covered under the base plan. However, the optional package - Enhance provides Maternity benefits (up to 2 deliveries in a lifetime), newborn healthcare, and first-year vaccination expenses up to 10% of the Sum Insured; subject to a maximum of INR 1 Lakh.
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered within maternity expenses (with optional package only).
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered up to SI
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered with optional covers only (Enhance cover).
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered
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.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered up to SI
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered Up to the Sum Insured; subject to a maximum of INR 10 Lakhs; over and above the base Sum Insured.
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Not Applicable
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Worldwide Emergency Hospitalisation with Outpatient Cover (including Accidental Hospitalisation) up to the Sum Insured; over and above the base Sum Insured. Available only on a reimbursement basis. (This cover is only applicable for Indian Residents, with the Freedom optional package plan)
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Applicable only under value-added covers. Unlimited tele-consultation is available in a policy year.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
Covered for individuals aged 18 years and above. Available each policy year annually from 1st year onwards as per your choice. Limits/Tests basis opted Sum Insured (with value-added covers only).
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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
A domestic second opinion is only covered under the value-added covers of this plan. 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 ManipalCigna ProHealth Prime Advantage Health Insurance Plan?
First-year vaccination is covered for a newborn baby up to 10% of the Sum Insured; subject to a maximum of INR 1 Lakh. Applicable only with the ‘Enhance’ optional package of the Prime Advantage plan.;'
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.
Status under Manipal Cigna Super Top Up Plan?
Not Applicable.
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.
Status under Manipal Cigna Super Top Up Plan?
Not Available.
Read below to know in detail about the benefits of ManipalCigna Prime Advantage Health Insurance Plan:
Your plan’s coverage gets activated to restore its sum insured value stretching up to 100% on exhaustion of any claim made in the policy year. It happens to safeguard you and your family anytime in case of a related or unrelated illness. Given that, the unlimited restoration of the sum insured is applicable only after the 2nd claim is raised and onwards.
The policyholder is allowed to switch off their running health insurance for up to 30 days, in case they’re travelling abroad.
The policyholder can avail of a waiver of premium benefit under this plan for one year if diagnosed with any of the listed critical illnesses, mentioned as per the policy schedule, or in a case of death. This helps them to stay worry-free about their family’s medical and financial protection in the future.
The plan gives you access to advanced and modern-day medical treatment such as mental illness, medically necessary bariatric surgery (up to SI, subject to INR 5 Lakhs maximum), HIV/AIDS, and STDs.
All the premiums paid towards the ManipalCigna Prime Advantage Plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
This policy schedule has some exclusions that are mentioned below:
Hazardous/adventure sports/nuclear wars, defensive attacks, etc
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Unproven/experimental treatments
Suicide or an attempt to suicide
To avail of claim settlement services, the insured individual must follow the process below:
The ManipalCigna ProHealth Prime Advantage health plan is an all-in-one insurance policy that covers all your basic and advanced medical care expenses. It just limits you to the sum insured value, you can enjoy a sum insured restoration benefit which extends the coverage options of your plan. Not just in India, this plan offers the policyholder worldwide treatment coverage for outpatient hospitalisation. Additionally, an individual gets the freedom to customize the base insurance policy according to their real-time requirements.
So, why the wait? If you are searching for a health plan that safeguards you and your family all together, you can consider a wholesome health policy like Prime Advantage by ManipalCigna Health Insurance.
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
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
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.
Base health plan ManipalCigna Prime Advantage has multiple coverage benefits including - in-patient, out-patient, pre and post-hospitalisations, modern treatment, road ambulance, donor expenses, air ambulance, bariatric surgery, daycare procedures, domiciliary treatment, daily cash benefit on shared room accommodation, AYUSH treatment, and others.
You are eligible to buy value-added covers, optional packages, optional covers, critical illness rider add-ons, and much more with your base Prime Advantage health plan by ManipalCigna.
Yes, daycare procedures are covered up to the sum insured under this plan.
If you have the Prime Advantage plan, you can avail of health reward benefits which reflect on the renewal premium of your policy. If the policyholder walks from 6,000 to 10,000+ steps daily for up to 120 to 240 and above days, they are eligible to get up to 5% to 20% discounts on the premium renewal.
Yes. Lump sum payment up to 100% of the Sum Insured, if opted is covered under the add-on ManipalCigna Critical Illness cover.
Waiting periods for this plan vary from coverage to coverage, like:-
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Pragh Aggrawal
Bhopal
April 8, 2024
I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.
Siddhant Tomar
Pune
April 8, 2024
ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...
Pakhi Rajawat
Pune
April 8, 2024
Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.
Abraam Malik
Bhubaneshwar
April 8, 2024
ManipalCigna ProHealth Prime Advantage has been one of the best health insurance as it provides full coverage for the basic health conditions of my family. Thanks to the PolicyX sales team who ...
Naseehat Aman
Vijayawada
April 8, 2024
PolicyX.com has played a vital role in getting a claim for my ManipalCigna ProHealth through their easy and convenient guidance. Thank you, team.
Sumukhi
Madurai
April 8, 2024
Manipalcigna pro health prime has really been a rock for me when I required hospitalization for 1 week. PolicyX helped me with the claim settlement.
Nihal
Vadodara
March 18, 2024
I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied
Ashish
Vishakapatnam
March 18, 2024
I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan
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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