Overview
"Your Health Deserves Better!" Get safeguarded with a health plan that provides all-around healthcare facilitation.
ManipalCigna Prime Protect plan is a variant of the ManipalCigna ProHealth Prime health plan. The other two plan variants are Prime Advantage and Prime Active. Options are available for individual, multi-individual, and family floater plan types. The relationships covered under the Prime Protect insurance plan are:
Relationships Covered
For Individual Plans:
- Self
- Spouse
- Children
- Father
- Mother
- Father-in-law
- Mother-in-law
- Son-in-law
- Daughter-in-law
- Grandparents
- Grandchildren
- Uncle
- Aunt
- Nephew
- Niece
- Brother
- Sister
For Family Floater Plans:
- Self
- Spouse
- Children
- Parents
A floater cover can insure a maximum of 2 adults and 3 children under a single policy.
Base Coverage Benefits
The base coverage of the Prime Protect plan variant offers benefits such as:
- In-patient treatment
- Out-patient treatment
- Pre and post-hospitalisation
- Modern treatment
- Road ambulance
- Donor expenses
- Air ambulance
- Bariatric surgery
- Daycare procedures
- Domiciliary treatment
- Daily cash benefit on shared room accommodation
- AYUSH treatment
- Coverage enhancement with sum insured restoration
- And others
This section provides all the information you need about the eligibility criteria, waiting period, benefits, specifications, exclusions, and claim procedure for the ProHealth Prime Protect plan. Read further to know more.
Benefits of Buying ManipalCigna ProHealth Prime Protect Plan
Read below to learn more details about the benefits of ManipalCigna Prime Protect health insurance plan:
Better Coverage
This plan covers OPD expenses that do not necessarily require hospitalisation. Additionally, the insured is covered for medical and non-medical expenses with no deductions from the cover.
Better Control
The policy's base Sum Insured can be restored up to 100% to avail listed healthcare even after exhausting the initial SI (restorable only after the second claim onwards). The Switch Off benefit allows the policyholder to temporarily inactivate their policy for 30 days if visiting abroad. If the insured is diagnosed with a critical illness or suffers an accidental death, there is a waiver of the renewal premium for 1 year. Policyholders also have the option to choose any room category, such as a suite, single/private room, or any other.
Value-Added Covers
Value-added covers provide unparalleled health support. Benefits include:
Optional Covers
The ProHealth Prime Protect offers several optional coverage benefits, including:
- Non-medical expenses (up to SI)
- Personal accident cover up to twice the plan's Sum Insured (up to INR 50 Lakh) as a lump sum payout for accidental death, disability, or permanent partial disability (PPD)
- Cumulative bonus booster
- Infertility treatment cover
- A deductible option based on the aggregate of all claims in a policy year
- And more
Optional Packages
These packages offer additional benefits if the base plan does not fully meet your healthcare needs, supporting your plan beyond its coverage limit. Optional packages with the ManipalCigna Prime Protect plan are:
Enhance Package:
- Maternity expenses, newborn cover, 1-year vaccination charges, and necessary medical termination of pregnancy (covered up to two pregnancies in a lifetime, applicable at a rate of 10% SI on each delivery, up to INR 1 Lakh).
- Newborn care covers delivery complications, post-partum health support, and the baby's healthcare up to 91 days from delivery.
- Room accommodation benefits allow you to opt for any category of room, including private rooms or suites.
- Health maintenance benefits cover doctor's fees, lab diagnostic tests, drugs and medications, dental treatments, and alternative medications up to a reimbursement limit of INR 3,000.
Freedom Package (only applicable to Indian residents):
- Opt for the best rooms for comfort during hospitalisation and treatment.
- Worldwide emergency hospitalisation with out-patient coverage allows the insured to receive out-patient treatment in emergency situations outside India.
Assure Package (only with plan's SI 3, 4, 5 Lakhs):
- Get room category coverage up to 1% of the SI per day and up to 2% of the SI in case of ICU.
- Modern, advanced treatments are covered up to 10% of the Sum Insured by your Prime Protect policy.
- Customize coverage limits for certain illnesses beyond pre-decided sub-limits as per your requirement.
Exclusions
- Hazardous/adventure sports
- Nuclear wars, defensive attacks, etc.
- Breach of the law
- Alcoholism, drug, or substance abuse and cases arising due to the same
- Unproven/experimental treatments
- Suicidal actions or an attempt to commit suicide
How to Claim ManipalCigna Prime Protect?
To initiate a claim, 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 navigate to "Raise a Claim > Proceed to Raise a Claim".
- For claim intimation, the official website has a pre-authorization form, which you can fill with your date of birth and policy number, then 'Submit'.
- Individuals can call the toll-free number 1800-102-4462 or email their details to [email protected] to get information on their claim settlement procedure.
- Reach out to PolicyX.com for further assistance.
Wrapping It Up
ManipalCigna Prime Protect plan is a comprehensive health plan that offers extensive healthcare coverage. Its features—better coverage, better control, and better care—ensure the insured individual stays protected, both in terms of healthcare services and financial stability.
Want to know more? Contact our customer care executives on 1800 4200 269 or visit the official website of PolicyX.com.
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