ManipalCigna Pro Health Group offers overage to a defined group of people, for example, employees of an organization, members of a society or professional association, or an affinity group. The plan has been designed to provide medical coverage to members of the group in the event of hospitalization due to illness or injury. This plan offers comprehensive protection with base covers and a range of multiple options to choose from as per the need of the group.

Under ManipalCigna Pro Health Group Insurance Policy, coverage is available to the Group Member/ Employee of the Policyholder or Non-Employer Group enrolled member as nominated by the policyholder. Dependent Children can be covered from day 1 of birth up to 25 years of age.

ManipalCigna Pro Health Group Insurance Policy offers a wide range of sum insured options starting from INR 5k to 1 Crore.

It is available to any homogeneous group/association/ institution/corporate body provided it has a central administration and is subject to a minimum group size of 7 persons.

ManipalCigna Pro Health Group Insurance offers multiple benefits and features such as:

• 7 in-built benefits with Base Cover
• First time Accumulate benefits for Group plan to take care of Co-pay, Deductible, OPD expenses and more
• Coverage for AYUSH treatment
• Total package of 42 need based Optional Covers
• Choice of Maternity, Dental, Vision, OPD and more

Under ManipalCigna Pro Health Group Base coverage includes

• In-patient Hospitalisation Expenses Cover
• Day Care Treatment Cover
• Pre-Hospitalisation Medical Expenses Cover
• Post-Hospitalisation Medical Expenses Cover
• Road Ambulance Cover
• Domiciliary Hospitalisation Cover
• Donor Expenses Cover

Under base cover per day room rent allowance is restricted up to 1% of the Sum Insured opted and 2% of the Sum Insured for ICU. However, this capping can be modified as per the below options:

• Select percentage limit of Sum Insured for per day Room Rent
• Select an amount limit on per day Room Rent
• Select limit on room type (Category)

Yes, under ManipalCigna Pro Health Group the plan will reimburse medical expenses of an insured person which are incurred pre and/or post-hospitalization. The base cover provides 30 days of pre-hospitalization and 60 days of post-hospitalization benefits. However, you have the option to choose this coverage from 0 days to 180 days.

Yes, Under Manipal Cigna Pro Health Group ambulance expenses will be reimbursed for the insured person.

Yes, they are available as optional covers. Maternity expenses cover expenses towards delivery or termination up to 2 events up to the limits selected under the plan as an optional benefit.

• It covers normal delivery, routine or elective cesarean or complicated pregnancy, or Pre and Post Natal expenses.
• Newborn baby coverage is available with a sub-limit option. It can form a part of the maternity sub-limit or in addition to maternity expenses coverage.
• Option to choose the cover for Surrogacy pregnancy