ProHealth Prime Advantage
  • 360 Degree Family Coverage
  • Additional Wellness Programs
  • OPD Charges Covered
ManipalCigna ProHealth Prime Advantage
Network hospitals

Network hospitals

8500+

Incurred claim ratio

Incurred claim ratio

99.96%

Sum insured

Sum insured

Up to 3 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.5

Pan India Presence

Pan India Presence

77+

Customized Health Insurance Plan for you.

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ProHealth Prime Advantage

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 by ManipalCigna Health Insurance Company 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;

  • You can avail of an unlimited restoration of the sum insured, up to 100% of the base SI.
  • Get the freedom of switching off the policy for up to 30 days in a queue while you’re travelling abroad with a discount on the premium’s renewal.
  • Waiver of premium for straight one year is another feature of this plan which states that you can waive off a year's premiums when diagnosed with a critical illness or in a case of accidental disability.
  • The plan benefits don’t limit your room choice ever, as you can opt for any category of rooms, including suites, or above according to your choice/requirement.

Features of ManipalCigna ProHealth Prime Advantage Plan

This all-rounded health plan is not limited to just these benefits, here are other major benefits of the plan as well:

  • Better care

    It helps you get the optimum level of care under just one plan which is annual health check-ups from the 1st policy year, and wellness programs of which you can earn rewards up to 20% of the base premium on your next policy renewal. The wellness programs are all about pre-defined walking step limits that you have to cross to avail of the rewarding benefits on your next premium renewals.
  • Base covers

    Base coverage of the plan offers you benefits like - 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.
  • Value-added covers

    The medical benefits under value-added covers get optimized to provide you with unmatched health support. These covers are capable of availing benefits like- domestic second opinion for up to 36 listed critical illnesses, unlimited teleconsultations, up to 200% of the cumulative bonus on SI, switch-off premium benefits, and wellness tracking benefits.
  • Optional covers

    The ProHealth Prime Advantage has an optional cover column that provides you with several amazing benefits including coverage for non-medical expenses up to SI, personal accident cover under which the insured gets the benefit of twice their plan’s SI (a subject to up to INR 50 Lakh) as a lump sum payout in case of an accidental death/disability/permanent partial disability (PPD)/etc. Additionally, an individual gets a deductible option which implies an aggregate of all the claims made during a policy year, cumulative bonus booster, infertility treatment cover, and so on. You can also opt for a critical illness add-on cover with the Prime Advantage plan.
  • Optional packages

    Optional packages are a bundle of additional benefits, if you feel you must attach an extended support to your base plan which goes beyond its coverage limit. Here are the options available with the Prime Advantage health plan of ManipalCigna:
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.

ManipalCigna Health Insurance Detailed Review

ProHealth Prime Advantage

ProHealth Prime Advantage Specifications

To understand ProHealth Prime Advantage Insurance in detail, take a look at the below table:

Entry Age

18 years to No Max Limit

Policy Type

Individual and Family Health Insurance

Sum Insured

5 L | 10 L | 25 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

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.

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Choose Your ProHealth Prime Advantage

With wide coverage options available, ProHealth Prime Advantage 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:

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

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Not Covered

Sub-limits

Not Covered

What is Room Rent?

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).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

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. 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.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

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.

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.

What is Compassionate Travel?

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.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

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.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

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.

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. 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.

Waiting periods for this plan vary from condition to condition, like:

  • For specified diseases- 24 months
  • For pre-existing disease- For sum insured up to INR 5L is 36 months; For sum insured INR 7.5L and above is 24 Months
  • Bariatric surgery & Maternity treatment- 36 months
  • ManipalCigna Critical Illness add-on cover- Initial waiting period - 90 days and survival period- 30 Days

How to claim ManipalCigna Prime Advantage?

To avail of claim settlement services, the insured individual must follow the process below:

  • Visit the official website of ManipalCigna Health Insurance
  • Click on the ‘Claim’ button on the header of the official website and go to the Raise a claim > Proceed to raise a claim
  • For claim intimation, the official website has a pre-authorized form that you can fill in with your date of birth, policy number and ‘Submit’
  • Individuals can call the toll-free number 1800-102-4462 or email their details to customercare@manipalcigna.com and get their claim settlement procedure info.
  • Reach out to PolicyX.com for further assistance.

ManipalCigna Health Insurance Network Hospital List

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.

Benefits of ManipalCigna Prime Advantage Insurance Plan

Read below to know in detail about the benefits of ManipalCigna Prime Advantage Health Insurance Plan:

 

Unlimited restoration of the sum insured

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.

 

Switch off the premium control

The policyholder is allowed to switch off their running health insurance for up to 30 days, in case they’re travelling abroad.

 

One-year premium waiver option

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.

 

Modern treatment cover

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.

 

Tax Benefits

All the premiums paid towards the ManipalCigna Prime Advantage Plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

What is not covered (Exclusions) under ManipalCigna Prime Advantage?

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

Explore other ManipalCigna Health Insurance

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

  • Avail Add-On Covers
  • Optional Benefits Available
  • High SI Options

ManipalCigna ProHealth Protect Plan (Pros)

ManipalCigna ProHealth Protect Plan
  • Newborn Baby and Maternity Cover
  • Health Maintainance Benefit
  • AYUSH Cover

ManipalCigna ProHealth Protect Plan (Cons)

ManipalCigna ProHealth Protect Plan
  • Compassionate travel
  • Vaccination expenses
  • E-consultation

ManipalCigna ProHealth Protect Plan (Other Benefits)

ManipalCigna ProHealth Protect Plan
  • Daycare treatment
  • Domiciliary treatment
  • OPD cover

ManipalCigna ProHealth Protect Plan (Eligibility Criteria)

ManipalCigna ProHealth Protect Plan
  • Entry age: 18 years to No limit
  • SI: 2.5 L to 50 L
  • Initial waiting period: 30 days
  • Policy term: 1/2/3 years

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...

Unique Features

  • Suitable for New Couples
  • Family Planning Coverage
  • Maternity & Newborn Cover

ManipalCigna ProHealth Plus (Pros)

ManipalCigna ProHealth Plus
  • Maternity & new-born benefits
  • Modern treatment
  • 500+ daycare procedures
  • Listed critical illnesses

ManipalCigna ProHealth Plus (Cons)

ManipalCigna ProHealth Plus
  • IVF not covered
  • E-consultation
  • Compassionate travel

ManipalCigna ProHealth Plus (Other Benefits)

ManipalCigna ProHealth Plus
  • Organ donor expenses
  • Worldwide coverage
  • In-patient hospitalization
  • Out-patient hospitalization

ManipalCigna ProHealth Plus (Eligibility Criteria)

ManipalCigna ProHealth Plus
  • Entry age: 18 years to No max limit
  • SI: 4.5 L to 50 L
  • Initial waiting period: 30 days
  • Policy term: 1/2/3 years

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

  • Modern treatment cover
  • Low waiting periods
  • Room category flexibility

ManipalCigna Prime Senior Plan (Pros)

ManipalCigna Prime Senior Plan
  • Daily cash for shared accommodation
  • Air ambulance
  • Domestic second opinion
  • Unlimited 100% SI restoration

ManipalCigna Prime Senior Plan (Cons)

ManipalCigna Prime Senior Plan
  • OPD cover
  • Maternity and newborn cover
  • Compassionate travel

ManipalCigna Prime Senior Plan (Other Benefits)

ManipalCigna Prime Senior Plan
  • Any room upgradation
  • Unlimited SI restoration
  • PEDs waiting period reduction
  • Domestic second opinion (Elite)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

ManipalCigna Prime Senior Plan
  • Entry age: 56 to 75 years
  • SI: 3 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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...

Unique Features

  • 360 Degree Family Coverage
  • Additional Wellness Programs
  • OPD Charges Covered

ProHealth Prime Advantage (Pros)

ProHealth Prime Advantage
  • Bariatric surgery
  • Maternity coverage
  • Newborn baby cover
  • Daily cash benefits

ProHealth Prime Advantage (Cons)

ProHealth Prime Advantage
  • Compassionate travel
  • Copayment unavailable
  • Sub-limits not applicable

ProHealth Prime Advantage (Other Benefits)

ProHealth Prime Advantage
  • Air ambulance cover
  • OPD available
  • Domiciliary hospitalization

ProHealth Prime Advantage (Eligibility Criteria)

ProHealth Prime Advantage
  • Entry age: 18 years to no max limit
  • SI: 5 L to 1 Cr
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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

  • Customizable health benefits
  • High-value covers
  • Health reward discounts

ManipalCigna Prime Protect Plan (Pros)

ManipalCigna Prime Protect Plan
  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor cover

ManipalCigna Prime Protect Plan (Cons)

ManipalCigna Prime Protect Plan
  • Adventure sport injuries
  • Cosmetic treatment
  • Alcoholism/drug abuse
  • Self-inflicted injury

ManipalCigna Prime Protect Plan (Other Benefits)

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

ManipalCigna Prime Protect Plan (Eligibility Criteria)

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

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

  • Worldwide emergency cover
  • Premium waiver benefit
  • Covers 36 listed critical illnesses

ProHealth Prime Active Plan (Pros)

ProHealth Prime Active Plan
  • Global cover
  • Modern treatment
  • Second medical opinion

ProHealth Prime Active Plan (Cons)

ProHealth Prime Active Plan
  • OPD cover
  • Maternity benefits
  • Newborn baby cover

ProHealth Prime Active Plan (Other Benefits)

ProHealth Prime Active Plan
  • In-patient hospitalization
  • Daycare procedures
  • Organ donor cover

ProHealth Prime Active Plan (Eligibility Criteria)

ProHealth Prime Active Plan
  • Entry age: 18 to 70 years
  • SI: 3 to 15 Lakhs
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

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

  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions

ManipalCigna ProHealth Plan (Pros)

ManipalCigna ProHealth Plan
  • Pre-hospitalisation
  • Post-hospitalisation
  • Unlimited teleconsultation
  • Daily hospitalcash
  • SI restoration benefit

ManipalCigna ProHealth Plan (Cons)

ManipalCigna ProHealth Plan
  • Obesity weight control
  • Change of gender treatments
  • Breach of law

ManipalCigna ProHealth Plan (Other Benefits)

ManipalCigna ProHealth Plan
  • Cashless claim settlement
  • AYUSH treatment
  • Trusted insurance provider

ManipalCigna ProHealth Plan (Eligibility Criteria)

ManipalCigna ProHealth Plan
  • Min entry age: 91 days
  • Max entry age: Unlimited
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • Boost Your Health Coverage
  • Eligibility Criteria and Features
  • Inclusions & Exclusions

ManipalCigna Super Top-up Plan (Pros)

ManipalCigna Super Top-up Plan
  • AYUSH treatment
  • Modern treatment cover
  • Organ donor expenses

ManipalCigna Super Top-up Plan (Cons)

ManipalCigna Super Top-up Plan
  • Maternity cover
  • Global cover
  • No OPD cover
  • Domiciliary care unavailable

ManipalCigna Super Top-up Plan (Other Benefits)

ManipalCigna Super Top-up Plan
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures cover

ManipalCigna Super Top-up Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plan
  • Entry age: 18 years to no age bar
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days
  • SI: 3 to 30 Lakhs

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

  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions

ManipalCigna Lifetime Health Plan (Pros)

ManipalCigna Lifetime Health Plan
  • Covers the treatment cost of HIV/AIDS and STD
  • Covers mental illness
  • You can opt for global coverage

ManipalCigna Lifetime Health Plan (Cons)

ManipalCigna Lifetime Health Plan
  • Vaccination not covered
  • IVF treatment not covered
  • Air ambulance not covered

ManipalCigna Lifetime Health Plan (Other Benefits)

ManipalCigna Lifetime Health Plan
  • You can opt for deductibles
  • Air ambulance covered
  • Domestic and international coverage

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

ManipalCigna Lifetime Health Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 3 Crore

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

  • Comprehensive coverage
  • High sum insured
  • Customized benefits

ManipalCigna ProHealth Prime Plan (Pros)

ManipalCigna ProHealth Prime Plan
  • Annual health check up
  • Domestic second opinion
  • Switch off benefit
  • Premium waiver benefits
  • OPD expense covered

ManipalCigna ProHealth Prime Plan (Cons)

ManipalCigna ProHealth Prime Plan
  • Optional deductibles
  • 10% co-payment
  • PED 2-year waiting period
  • Long waiting period

ManipalCigna ProHealth Prime Plan (Other Benefits)

ManipalCigna ProHealth Prime Plan
  • Domiciliary hospitalisation
  • Air ambulance cover
  • Cumulative bonus booster
  • CI add on cover
  • SI restoration

ManipalCigna ProHealth Prime Plan (Eligibility Criteria)

ManipalCigna ProHealth Prime Plan
  • Min entry age: 91 days
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • Avail Critical Illness Cover
  • High Sum Assured
  • Optional Covers

ManipalCigna Pro Health Group Plan (Pros)

ManipalCigna Pro Health Group Plan
  • Avail Critical Illness Cover
  • High Sum Assured
  • Optional Covers Available

ManipalCigna Pro Health Group Plan (Cons)

ManipalCigna Pro Health Group Plan
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

ManipalCigna Pro Health Group Plan (Other Benefits)

ManipalCigna Pro Health Group Plan
  • Donor expenses cover
  • AYUSH treatment cover
  • Daily Cash Benefits
  • Critical illness cover
  • Personal accident cover

ManipalCigna Pro Health Group Plan (Eligibility Criteria)

ManipalCigna Pro Health Group Plan
  • Min entry age: Day 1
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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

  • CI Cover
  • Eligibility & Features
  • 30 CI Cover

Critical Care Plan (Pros)

Critical Care Plan
  • 15 or 30 major illnesses
  • Medical second opinion
  • Online wellness program

Critical Care Plan (Cons)

Critical Care Plan
  • No daily cash benefit
  • In-patient hospitalization
  • OPD unavailable
  • Daycare procedures

Critical Care Plan (Other Benefits)

Critical Care Plan
  • Basic & advanced add-on cover benefits
  • Organ donor expenses

Critical Care Plan (Eligibility Criteria)

Critical Care Plan
  • Entry age: 18 to 65 years
  • SI: 1 L to 25 Cr
  • Policy term: 1/2/3 years
  • Waiting period: 90 days

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

  • Comprehensive coverage
  • High sum insured
  • Customized benefits

ManipalCigna Sarvah Plan (Pros)

ManipalCigna Sarvah Plan
  • Coverage for major illness
  • Reduced waiting period for pre-existing diseases
  • Unlimited restoration
  • Surplus benefits

ManipalCigna Sarvah Plan (Cons)

ManipalCigna Sarvah Plan
  • Maternity benefit not covered
  • No global coverage
  • Daily hospital cash not covered

ManipalCigna Sarvah Plan (Other Benefits)

ManipalCigna Sarvah Plan
  • Tatkal benefit
  • Comprehensive personal accident cover
  • Gullak and Sarathi benefits

ManipalCigna Sarvah Plan (Eligibility Criteria)

ManipalCigna Sarvah Plan
  • Entry Age -91 days
  • Maximum Entry Age - No Limit
  • SI - Up to 3 Crore
  • Waiting Period - 30 days

ManipalCigna ProHealth Prime Advantage: FAQs

1. What are the coverages under the ProHealth Prime Advantage plan?

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.

2. Can I customize my ManipalCigna ProHealth Prime Advantage plan?

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.

3. Are daycare procedures covered under the plan?

Yes, daycare procedures are covered up to the sum insured under this plan.

4. How do health rewards work for the ProHealth Prime Advantage 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.

5. Is there an add-on rider/cover available for this plan?

Yes. Lump sum payment up to 100% of the Sum Insured, if opted is covered under the add-on ManipalCigna Critical Illness cover.

6. What are the waiting periods for the ManipalCigna Prime Advantage Plan?

Waiting periods for this plan vary from coverage to coverage, like:- For specified diseases- 24 months For pre-existing disease- For sum insured up to INR 5L is 36 months; For sum insured INR 7.5L and above is 24 Months Bariatric surgery & Maternity treatment- 36 months ManipalCigna Critical Illness add-on cover- Initial waiting period - 90 days and survival period- 30 Days

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Simran Nirala

Written By: Simran Nirala

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.