Network hospitals
8500+
Incurred claim ratio
99.96%
Sum insured
Up to 3 Cr
No. of Plans
1
Solvency Ratio
1.5
Pan India Presence
77+
"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation."
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.
To understand ManipalCigna Prime Protect Plan Insurance in detail, take a look at the below table:
Min- 91 days, Max- 80 days
Individual and Family Health Insurance
3 L | 10 L | 20 L | 50 L | 80 L | 1 Cr
30 days Days
Lifelong
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.
With wide coverage options available, ManipalCigna Prime Protect Plan 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:
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
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Covered
Sub-limits
Covered
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).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
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.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section deliveries.
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:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) 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:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
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.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
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.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
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.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
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.
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.
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. |
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.
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
To avail of claim settlement services, the insured individual must follow the process below:
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.
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...
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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...
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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
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...
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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...
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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...
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Individual and Family Health Insurance
ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...
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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
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
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
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
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
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
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 sum insured up to INR 5 Lakhs- 36 Months The sum insured of INR 7.5 Lakhs and above- 24 Months
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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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.
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