The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the policyholder with an overall 360-degree coverage in one policy. This policy has 5 variants out of which, each plan has to offer you differentiated yet extended medical support in an emergency. The names of the plan variants are:
ProHealth Protect
ProHealth Plus
ProHealth Preferred
ProHealth Premier
ProHealth Accumulate
ManipalCigna ProHealth Plus offers you a high sum insured of up to INR 50 Lakhs that covers maternity & new-born benefits, modern treatment, more than 500 daycare procedures, listed critical illnesses, worldwide coverage, organ donor expenses, in-patient and out-patient hospitalisations, and many more. Additionally, you can buy this plan with optional cover that gives you the freedom to waive of co-payment amount, reduction with the waiting periods or maternity and pre-existing disease, etc.
The plan is suitable for an individual, multi-individual, or family floater basis. However, you can avail of an impressive 25% family discount, if you choose a family floater ProHealth Plus plan.
This article discusses the major features, substantial coverage benefits, and many more advantages of the subsidiary health plan ProHealth Plus insurance under ManipalCigna Health Insurance.
Here are some of the notable benefits of ManipalCigna ProHealth Plus:
546 daycare treatments covered up to the Sum Insured
Maternity and newborn expenses are covered up to INR 15000 for normal and INR 25000 for C-section per event, maximum 2 times. Also, 1st-year vaccination expenses are covered (with an applicable waiting period)
Health maintenance benefit of up to INR 2000
Medical check-ups are available for each policy year (excludes the first policy year)
Expert's opinion on critical illnesses or upon its diagnosis
Health rewards
Read further through this page and learn more specifications of the ProHealth Plus health insurance plan.
Eligibility Criteria for ManipalCigna ProHealth Plus Health Insurance Plan
These are a few factors that decide the eligibility criteria for the ManipalCigna ProHealth Plus plan:
Entry Age
Child- 91 days Adult - 18 years
Max Entry Age
No Limit
Policy Term
1/2/3 Years
Plan Type
Individual/Family floater/Multi-individual
Sum Insured
INR 4.5 - 50 Lakhs
Initial Waiting Period*
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:
Benefits of ManipalCigna ProHealth Plus Insurance Plan
Read below the benefits of ManipalCigna ProHealth Plus Health Insurance Plan:
Maternity Coverage
The plan covers delivery expenses, and necessary pregnancy termination of the policyholder between the ages of 18 - and 45 years for a maximum of up to 2 times. Given that, the policyholder needs to fulfil a waiting period of 48 months.
Newborn Baby Coverage
This plan covers the medical expenses of a newborn from the date of delivery to up to 90 days. This coverage is valid until the exhaustion of the maternity coverage limit under the plan. The newborn's first year (until the baby completes 12 months) vaccination is also covered.
Worldwide Emergency Coverage
This plan offers worldwide coverage for in-patient hospitalisation/treatment in emergencies upto the sum insured. The expenses on medical treatment outside India will be reimbursed only once in a policy year.
Domiciliary hospitalisation
In case of incapability of going to the hospital for medical treatment, ManipalCigna ProHealth Plus insurance will cover you for home-based treatment as well.
Tax Benefits
All the premiums paid towards the ManipalCigna ProHealth Plus Plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
Specifications of ManipalCigna ProHealth Plus
The ManipalCigna ProHealth Plus plan comes with different features. See below the plan specifications:
Coverage for SI:4.5 L - 50 L
In-patient & Out-patient Coverage
Room Rent
Available
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered <500 procedures
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Covered, up to 200% SI
Automatic Restoration
Covered up to 100% SI
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Applicable
Modern Treatment
Available
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Applicable
Global Coverage
Applicable
Wellness Programmes
E-Consultation
N/A
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Available
Sub-limits
Not Applicable
What is Room Rent?
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:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Available
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Available
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered for up to 60 days
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered for up to 180 days
What is Domiciliary Hospitalization?
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 Plus Health Insurance Plan?
Covered Up to SI
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
500+ listed daycare treatments covered up to SI
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Not Applicable with the base cover. However, you can buy an add-on cover to get OPD benefits.
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covid-19 Covered.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Not Available
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 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 Plus Health Insurance Plan?
Applicable on renewal up to 200% of the SI
What is Automatic Restoration?
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 Plus Health Insurance Plan?
Applicable up to 100% SI, also for unrelated injuries/treatment
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered up to 30 days of in-patient hospitalisation
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.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Expenses of the major organ transplant and the donor are covered.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered with INR 15,000 for normal and INR 25,000 for C-Section/Ceasarian (Per event, up to two deliveries)
What is a New Born Baby Cover?
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:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered within maternity expenses
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
In-patient hospitalisation covered up to SI
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 for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Not Applicable
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Applicable
What is an Ambulance Cover?
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 Plus Health Insurance Plan?
Covered up to SI
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.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered. Up to INR 3000 per transportation requirement
What is Compassionate Travel?
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 Plus Health Insurance Plan?
Not Applicable
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered up to full Sum Insured once in a policy year
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.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Not Applicable
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Covered for individuals aged 18 years and above. Available each policy year (excluding the first year)
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.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
Only covered under the value-added covers of this plan
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under ManipalCigna ProHealth Plus Health Insurance Plan?
First-year vaccination is covered for a newborn baby. Covered over & above maternity expenses
What is Co-payment?
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.
Status under ManipalCigna Super Top Up Plan?
A voluntary co-pay is available of up to 10% or 20% as opted by the policyholder.
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.
Status under ManipalCigna Super Top Up Plan?
Not Available.
What is not covered (Exclusions) under ManipalCigna ProHealth Plus?
This policy schedule has some exclusions that are mentioned below:
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Unproven/experimental treatments
Suicide or an attempt to suicidal act
How to claim ManipalCigna ProHealth Plus?
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.
Wrapping it up
The ManipalCigna ProHealth Plus insurance plan offers a wide range of medical coverage for you. The coverage not only includes, in-patient and out-patient hospitalisation but other benefits like domiciliary hospitalisation, maternity and newborn care expenses, global treatment, and much more. If you are searching for a complete health insurance plan that caters for you and your family with holistic coverage options, choose the ManipalCigna ProHealth Plus plan.
Want to know more? Contact our customer care executives on 18003450330 or visit the official website of PolicyX.com.
This plan is exclusively designed to cater to quality healthcare services covering worldwide OPD treatment and is available on an individual, multi-individual & family floater basis.
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.
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.
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Health Plan
Up to 30 Lakhs SI
Beat Medical Care Inflation
ManipalCigna Super Top-up Plan (Pros)
Add On CI benefit
Up to 50% Cumulative Bonus
Donor Expenses Cover
Day Care Treatment Cover
Ambulance Cover
ManipalCigna Super Top-up Plan (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
ManipalCigna Super Top-up Plan (Other Benefits)
Optional Covers Available
Add-on Covers Available
Non-medical expenses Cover
Opt for Any Room Category
Tax Benefits
ManipalCigna Super Top-up Plan (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - No limit
SI - 3 L to 30 Lakhs
Waiting Period - 30 Days
Affordable Plan
ManipalCigna Pro Health Select
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
2 Plan Variants Available
Avail Customized Features
Long Term Policy
Pro Health Select (Pros)
Reassurance Benefits
High SI Up to 25 Lakhs
Tax Benefits
171 Day Care Procedures
Ambulance Cover
Pro Health Select (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
Pro Health Select (Other Benefits)
Premium Waiver Option
Long Term Policy
Restoration Benefit
Health Reward Points
AYUSH Cover
Pro Health Select (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - No limit
SI - 3 L to 25 Lakhs
Waiting Period - 30 Days
Affordable Plan
Manipal Cigna Secure Health
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Premiums
AYUSH Treatments
Day Care Procedures
Manipal Cigna Secure Health (Pros)
Modern Treatments Covered
Road Ambulance Covered
Cataract Cover
Emergency Ambulance
Pre and Post Hospitalization
Manipal Cigna Secure Health (Cons)
48 Months PED Waiting Period
Injuries due to unlawful activities
Obesity
Injuries due to illegal activities
Dental Treatment
Manipal Cigna Secure Health (Other Benefits)
Tax Benefits
Flexible-Premium Payments
Multiple Discounts
Portable Policy
Renewable Policy
Manipal Cigna Secure Health (Eligibility Criteria)
Entry Age - Newborn
Max Entry Age - 65 Years
SI - 4 & 5 Lakhs
Waiting Period - 30 Days
Affordable Plan
ManipalCigna ProHealth Cash
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
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
Customizable Plan
42 Optional Covers
Personal Accident Cover
Pro Health Group (Pros)
Avail hospitalization cover
Inpatient Hospitalization
Day Care Cover
Pre & Post Hospitalization
Road Ambulance
Pro Health Group (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Pro Health Group (Other Benefits)
Donor Expenses Cover
AYUSH Treatment Cover
Daily Cash Benefits
Critical Illness Cover
Personal Accident Cover
Pro Health Group (Eligibility Criteria)
Entry Age - No Limit
Max Entry Age - No Limit
SI - 5k to 1 Crore
Waiting Period - 30 Days
Group Plan
ManipalCigna Lifestyle Protection Group Policy
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
Flexible Base and Optional Covers
36 CI Covered
Cancer-only coverage available
Lifestyle Protection Group Policy (Pros)
Accidental Death Benefit
Permanent Total Disability Benefit
Multiple Optional Benefits
Partial Disability Benefit
Temporary Total Disability Benefit
Lifestyle Protection Group Policy (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Lifestyle Protection Group Policy (Other Benefits)
Survival Period Waiver
Emergency Road Ambulance
Hospital Cash Benefit
Family Counselling
Medical Second Opinion
(Eligibility Criteria)
Entry Age - 5 Years
Max Entry Age - 75 Years
SI - Up to 50 Crores
Waiting Period - 30 Days
Group Plan
ManipalCigna FlexiCare Group Insurance Policy
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Wellness Program
Customizable Cover
Home Care Benefit
FlexiCare Group Policy (Pros)
EMI Protection
Pay-out Options Available
Domestic Travel Cover
Premium Waiver
Cost Effective Plan
FlexiCare Group Policy (Cons)
Injuries due to Unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
FlexiCare Group Policy (Other Benefits)
Surgery Cover
Day Care Cover
OPD Cover
Home Care Cover
Income Protection
(Eligibility Criteria)
Entry Age - No limit
Max Entry Age - No limit
SI - Up to 5 Crores
Waiting Period - 30 Days
Group Plan
ManipalCigna Group Overseas Travel
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
Customizable Plan
Travel Expense Cover
Avail adventure sports cover
Group Overseas Travel (Pros)
Loss of Baggage Cover
Hijack Cover
OPD Cover
Easy Plan Management
24/7 Toll-Free Assistance
Group Overseas Travel (Cons)
Injuries due to Unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Group Overseas Travel (Other Benefits)
Medical Expenses Cover
Travel Inconvenience Cover
Travel Personal Accident Cover
51 Optional Covers
Cruise Cover
Group Overseas Travel (Eligibility Criteria)
Entry Age - 0 Days
Max Entry Age - 95 Years
SI - Up to $ 50 Lac
Waiting Period - 30 Days
Group Plan
ManipalCigna Global Health Group Policy
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
Avail Global Health Care
Wellness Program
Multiple Optional Covers
Global Health Group Policy (Pros)
Outpatient Benefits
In-patient Hospitalization
Day Care Cover
Maternity Cover
New Born Cover
Global Health Group Policy (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Illness due to radiation exposure
Global Health Group Policy (Other Benefits)
Dental Cover
Vision Cover
Travel Vaccination Cover
Cancer Cover
Psychological Care
Global Health Group Policy (Eligibility Criteria)
Entry Age - Day 1
Max Entry Age - 95 Years
SI - $ 10 Million
Waiting Period - 30 Days
ManipalCigna Health Insurance Network Hospital List
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.
1. Does the ProHealth Plus plan cover maternity expenses?
Yes, maternity expenses (up to two times only) and any medical expenses related to newborn babies, including 1-year vaccinations are covered under this plan.
2. What is the maximum sum insured under this plan?
The maximum sum insured of the ProHealth Plus variant is up to INR 50 Lakhs.
3. How many relationships are covered under this plan?
With a family floater, you can cover up to 2 adults and 3 children maximum with this plan.
4. What are the eligibility criteria for buying ProHealth Plus plan?
The minimum age limit for adults is 18 years and there is no maximum limit for the same.
5. Is a pre-medical test compulsory for buying the ManipalCigna ProHealth Plus plan?
Yes. Going through a pre-medical test before issuance of the policy is mandatory.
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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