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
"Your Health Deserves Better!" Get safeguarded with a health plan that bears an all-around healthcare facilitation for you.
ManipalCigna Prime Protect plan is a variant of the ManipalCigna ProHealth Prime health plan. The other two plan variants under the same are- Prime Advantage and Prime Active. There are options for individual, multi-individual, and family floater plan types, and the relationships that are covered under the Prime Protect insurance plan are:
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 base coverage of the Prime Protect plan variant 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, coverage enhancement with the value of sum insured restoration, and others.
This article has incorporated all the information you need about the eligibility criteria, waiting period, benefits, specifications, exclusions, and claim procedure attached to the ProHealth Prime Protect. Read further to know more about the plan.
Child - 91 days - 25 Years
Adult - 18 years- No Maximum Limit
1/2/3 Years
Individual/Family floater/Multi-individual
INR 3 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.
To know more about the plan, read the policy brochure provided below:
Read below to learn more details about the benefits of ManipalCigna Prime Protect health insurance plan:
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 covers any kind of delivery complications, and post-partum health support along with the baby's healthcare up to 91 days from the day of delivery is borne by the company. | |
Room accommodation benefits with this optional package give you the freedom to opt for any category of room including private room, suite, etc. | |
Health maintenance benefits will cover the cost of doctor's fees, lab diagnostic tests, drugs and medications, dental treatments and alternative medications upto a sum of INR 3,000 as reimbursement limit. | |
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. | |
Assure (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 upto 10% of the sum insured by your Prime Protect policy. | |
There are certain illnesses that you can avail cover for upto a pre-decided sub-limit, regardless of that you can further customize the coverage limit as per your requirement. |
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered (optional)
New Born Baby Cover
Covered (optional)
AYUSH Treatment
Covered
IVF Treatment
Covered (optional)
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not covered
Global Coverage
Available (with optional cover)
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered (optional)
Co-payment
Applicable
Sub-limits
Applicable
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 Protect 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 Protect Plan
Covered up to the SI
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered for up to 60 days before hospitalization upto SI
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered for up to 180 days after hospitalization upto 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 Protect Plan
Covered up to 10% of Sum Insured
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered upto the sum insured
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered
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 Protect Plan
Covered
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered with specified sub-limits
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 Protect Plan
Guaranteed bonus of 25% of base sum insured per policy year maximum up to 200% of base Sum Insured.
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 Protect Plan
Unlimited restoration of the 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 Protect Plan
Available for shared accommodation.
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 Protect Plan
Covered upto SI
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Maternity (up to 2 deliveries in the lifetime) + New Born + 1st-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 Protect Plan
Covered as per maternity cover
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 Protect Plan
Covered upto SI; subject to a maximum of INR 10 Lakhs; above the base sum insured
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 Protect Plan
Infertility Treatment (Option available with Enhance/Enhance Plus - Optional Packages)
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered
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 ManipalCigna ProHealth Prime Protect Plan
Covered upto the 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 Protect Plan
Covered upto 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 Protect Plan
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Available (with optional cover)
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 Protect Plan
Covered, unlimited tele-consultations 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 Protect Plan
Annually, from 1st year onwards as per your choice.
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 Protect Plan
Covered once during a policy year for each of the 36 listed critical illnesses. Only domestic second opinions are available.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Covered. 1st-year vaccination expenses of the newborn - up to 10% of the SI; subject to a maximum of INR 1 Lakh.
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 ManipalCigna ProHealth Prime Protect Plan
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.
Coverage status under ManipalCigna ProHealth Prime Protect Plan
Applicable
ManipalCigna Prime Protect health insurance has distinct features and benefits. However, it comes with a set of exclusions or conditions that are not covered by the insurer. Make sure you read the terms & conditions carefully to avail full coverage of your Prime Protect policy.
Here are some of the standard exclusions of this plan for your reference:
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
Other exclusions are as per the specifications mentioned in the policy wording. Check thoroughly the same for more details
To avail of claim settlement services, the insured individual must follow the process below:
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.
ManipalCigna Prime Protect plan is a comprehensive health plan that offers extensive healthcare coverage. Better coverage, better control, and better care are the features of this plan that allow the insured individual to stay 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.
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 is a tailor-made health insurance plan covering 36 listed critical illnesses and provides worldwide emergency hospitalization services.
Unique Features
Individual/Family Plan
This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.
Unique Features
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
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
There is no maximum age limit for buying the plan for anyone.
The minimum to maximum sum insured option of this plan is INR 3 Lakhs to 1 Crore respectively.
You can either buy this plan from the official website of ManipalCigna General Insurance or you can reach out to PolicyX.com to purchase and get guidance throughout the buying, renewal and claim process.
Yes, read the following waiting period options of the plan for PEDs:
The policyholder can switch off their health insurance for up to 30 days while travelling abroad and get a discount on the renewal premium.
All the premiums that policyholders have paid towards the ManipalCigna Prime Protect Plan are eligible for tax benefits under Section 80D of the Income Tax Act of India.
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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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February 5, 2023
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