Health Pro Prime
  • Comprehensive coverage
  • High sum insured
  • Customized benefits
ManipalCigna Health Insurance
premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

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Manipal Health Pro Prime

ManipalCigna Pro Health Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for the insured. Under 3 different plan variants, ManipalCigna Pro Health Prime offers various sum-insured options ranging from 3 L to 1 Cr. ManipalCigna Pro Health Prime offers customized benefits with optional coverage suitable for every policyholder.

ManipalCigna Pro Health Prime provides coverage for ambulance services, hospitalization expenses, OPD coverage, and mental illness cover along with optional benefits such as maternity cover, newborn baby coverage, critical illness cover, Worldwide Emergency Hospitalization with Outpatient Cover, IVF treatment, and more.

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Manipal Cigna Health Pro Prime Plan Specifications

Child Entry Age

Minimum: Children- 91 Days to 25 years

Adult Entry Age

Maximum: No limit

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Sum Insured (in Rs.)

3 L | 4 L | 5 L | 7.5 L | 10 L | 12.5 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days*

*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.

Read more specifications in the brochure.

Choose your Reliance Critical Illness Plan

With comprehensive coverage options, Reliance Critical Illness Insurance lets you customize your health insurance plan as per your requirements:

Coverage for SI - Prime Protect (3 L - 1 Cr)

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 Days

Post-Hospitalization

Covered up to 180 Days

Domiciliary Hospitalization

Covered up to 10% of SI

Daycare Treatment

Covered up to SI

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered

No Claim Bonus

Available up to 200% of SI

Automatic Restoration

Applicable

Daily Hospital Cash

Covered

Organ Donor

Covered up to SI

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Covered up to INR 10 L

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 10% Co-payment

Sub-limits

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 Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan, the room rent is covered

  • Pro Prime Protect and Pro Prime Advantage Variant - Single Private AC Room
  • Pro Prime Active variant - SI=₹ 3Lacs: 1% of Base SI and SI>=₹ 5Lacs: Single Private AC Room
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan, ICU charges are covered up to SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Manipal Cigna Pro Health Prime Plan covers medical expenses incurred during pre-hospitalization

  • 60 days up to SI for Protect and Advantage plan variants
  • 30 days up to SI for Active plan variant
What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Manipal Cigna Pro Health Prime Plan covers medical expenses incurred during post-hospitalization

  • 180 days up to SI for Protect and Advantage plan variants
  • 60 days up to SI for Active plan variant
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 Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan, domiciliary hospitalization is 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 Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan, daycare treatment is covered Up to SI.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan OPD charges are covered.

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 Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan COVID-19 treatment is not covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Manipal Cigna Pro Health Prime Plan?

ManipalCigna Pro Health Prime Plan covers cataract treatment expenses

  • For SI 3 and 4 Lakh - INR 20k
  • For SI 5 Lakh - INR 30k
  • For SI 7.5 and 10 Lakh - INR 30k
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 Manipal Cigna Pro Health Prime Plan?

ManipalCigna Pro Health Prime Plan offer cumulative bonus

  • 25% of Base SI each year subject to a max of 200% for Protect and Advantage plan variants
  • 10% of Base SI each year subject to a max of 100% for Active plan variant
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 Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan Automatic restoration is available Unlimited times for related/unrelated illnesses

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan daily hospital cash is available

  • SI up to INR 10 Lacs - INR 800 per day max INR 5600 for Protect and Advantage plan variants
  • For SI from INR 5 Lacs to INR 10 Lacs - INR 800 per day, maximum INR 5600
  • For SI above INR 10 Lacs - INR 1000 per day, maximum INR 7000 for Active plan variant
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 Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan maternity cover is offered as an optional package Enhance Plus providing 10% of the Sum Insured per delivery, subject to a maximum of INR 1 L

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
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan newborn baby cover is offered as an optional package Enhance Plus wherein the newborn will be covered until the baby is 90 days old.

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 Manipal Cigna Pro Health Prime Plan?

Covered Under Manipal Cigna Pro Health Prime Plan 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 Manipal Cigna Pro Health Prime Plan?

Applicable only with Enhance or Enhance Plus optional packages, this covers 2 successful procedures limited to IVF/ IUI. Applicable for base Sum Insured >=INR7.5 Lacs.

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 Manipal Cigna Pro Health Prime Plan?

Covered Under Manipal Cigna Pro Health Prime Plan

  • For Sum Insured < INR5 L - 50% of Sum Insured
  • For Sum Insured >=INR 5 Lacs - Up to Sum Insured
What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Covered under Manipal Cigna Pro Health Prime Plan 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 Manipal Cigna Pro Health Prime Plan?

Covered under Manipal Cigna Pro Health Prime Plan

  • Up to SI, subject to a maximum of INR 10Lacs for Protect and Advantage plan variants
  • Not applicable for Active plan variant
What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan global coverage is not available

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 Manipal Cigna Pro Health Prime Plan?

Under Manipal Cigna Pro Health Prime Plan unlimited e-consultations are covered.

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 Manipal Cigna Pro Health Prime Plan?

Under the Manipal Cigna Pro Health Prime Plan, a health checkup is available Annually from 1st year onwards.

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 Manipal Cigna Pro Health Prime Plan?

Under the Manipal Cigna Pro Health Prime Plan Second Medical Opinion is available for 36 listed Critical Illnesses

What is Vaccination cover?

The insurance companies provide coverage against the expenses incurred on vaccinations.

Coverage status under Manipal Cigna Pro Health Prime Plan?

Under the Manipal Cigna Pro Health Prime Plan vaccination expenses are covered under enhance and enhance plus optional packages.

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 spend the rest.

Status under Manipal Cigna Pro Health Prime Plan?

Applicable, 10% Co-payment

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 Manipal Cigna Pro Health Prime Plan?

Applicable

Other Health Insurance Companies

Manipal Cigna Pro Health Prime Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ManipalCigna Pro Health Prime Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Congenital disease

Miscarriage, and abortion

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 36 Months

Listed ailments after 24 Months

Manipal Cigna Pro Health Prime Plan Benefits

Manipal Cigna Pro Health Prime Plan has multiple advantages that policyholders can avail after the purchase.

Tax Benefits

Get tax relief under section 80D

Switch off Benefit

Travel without any stress

Optional Covers

Customize plan with optional covers

Optional Packages

Avail multiple optional packages

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Switch off Benefit

While traveling outside India after the first year of the policy, avail the option to switch o the coverage for a maximum of 30 days and get a premium discount at the time of renewal.

Optional Covers

Manipalcigna Pro Health Prime offers multiple optional covers such as IVF Treatment, Personal Accident Cover, Critical Illness add-on cover, Worldwide Accidental Emergency Hospitalization cover and more.

Optional Packages

ManipalCigna Pro Health Prime offers multiple optional packages such as Enhance, Enhance Plus, Freedom and Assure which are loaded with different benefits a policyholder can avail.

Explore other Manipal Cigna Health Plans

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 plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

ProHealth Plus (Pros)

  • In-patient hospitalisation
  • 500+ daycare treatment
  • Domiciliary hospitalisation
  • Deductible options
  • Maternity coverage
  • Sum insured restoration
  • Health maintenance benefit

ProHealth Plus (Cons)

  • No online consultations
  • Cataract not covered
  • No room rent with base cover
  • COVID-19 care not covered
  • SI inadequate for family

ProHealth Plus (Other Benefits)

  • Individual & family floater planr
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

ProHealth Plus (Eligibility Criteria)

  • Entry age- 91 days- 18 years (child)
  • Entry age- 18 years - No Limit (Adult)
  • SI - 4.5 - 50 Lakhs
  • Waiting Period - Minimum 30 days

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

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

Manipal Cigna Prime Advantage (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

Manipal Cigna Prime Advantage (Cons)

  • COVID-19 care not covered
  • Adventure sport injuries not covered
  • Cosmetic treatment is not covered
  • Sub-limits not applicable

Manipal Cigna Prime Advantage (Other Benefits)

  • Individual, multi-individual & family plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH treatment cover

Manipal Cigna Prime Advantage (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 5 Lakhs - 1 Crore
  • Waiting Period - 30 days

Comprehensive Plan

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.

Unique Features

  • HIV/AIDS/STD care
  • Mental illness cover
  • Global healthcare

ProHealth Prime Protect (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor cover

ProHealth Prime Protect (Cons)

  • Adventure sport injuries
  • Cosmetic treatment
  • Alcoholism/drug abuse
  • Self-inflicted injury

ProHealth Prime Protect (Other Benefits)

  • Optional covers
  • Add-ons available
  • Unlimited benefits up to SI
  • Bariatric surgery cover
  • AYUSH treatment cover

ProHealth Prime Protect (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 3 Lakhs - 1 Crore
  • Waiting Period - 30 days

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

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

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

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable Plan

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.

Unique Features

  • 2 Plan Variants Available
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit

ManipalCigna ProHealth Cash (Pros)

  • Daily Cash Benefits
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Individual and Family Floater
  • 1/2/3 Policy Years

ManipalCigna ProHealth Cash (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna ProHealth Cash (Other Benefits)

  • Up to 10% long-term discount
  • 10% Family Discount
  • Critical Illness Add-On
  • Online Wellness Program
  • 15 Day free-Look Period

ManipalCigna ProHealth Cash (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 500 to 5000 Per day
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable standard health insurance plan for individuals and family members with up to 10 L SI.

Unique Features

  • Affordable Health Coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Arogya Sanjeevani Policy (Pros)

  • Allopathic & AYUSH Cover
  • Cashless Hospitalization
  • Tax Benefits
  • Multiple Discounts
  • Up to 50% Cumulative Bonus

Arogya Sanjeevani Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Pre & Post Hospitalization
  • Road Ambulance Cover
  • 15-Day Free-Look Period
  • Up to 10 L SI
  • 30-Day Grace Period

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 50k to 10 Lakhs
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

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

  • SI up to 10 Crores
  • Tax Benefits
  • Pre & Post Hospitalization Cover

Lifestyle Protection Accident Care (Pros)

  • Funeral Expenses Covered
  • Accidental Death Covered
  • Emergency Ambulance Covered
  • 3 Plan Variants
  • Orphan Benefit Covered

Lifestyle Protection Accident Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Accident Care (Other Benefits)

  • Education Fund Cover
  • Burn Benefit Cover
  • Permanent Disablement Cover
  • Partial Disablement Cover
  • Loss of Employment Cover

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 80 Years
  • SI - 50k to 10 Crores
  • Waiting Period - 30 Days

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

  • Up to 30 CI Covered
  • Avail Online Wellness Program
  • 2 Plan Variants Available

Lifestyle Protection Critical Care (Pros)

  • High Sum Insured
  • Medical Second Opinion
  • Premium Installments Available
  • Avail Multiple Discounts
  • Tax Benefits

Lifestyle Protection Critical Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Critical Care (Other Benefits)

  • Lump Sum Or Staggered Payouts
  • Global Plan
  • Cancer Cover
  • Bone Marrow Transplant
  • Deafness Cover

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 Crore
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Saral Suraksha Bima (Pros)

  • Up to 50% Cumulative Bonus
  • Add-On Cover
  • Individual & Family Cover
  • Flexible-Premium Payment
  • Up to 1 Crore SI

Saral Suraksha Bima (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Saral Suraksha Bima (Other Benefits)

  • Hospitalization Expense Cover
  • Education Grant
  • 3% Online Renewal Discount
  • 15% Family Discount
  • 10% Worksite Discount

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Crore
  • Waiting Period - 30 Days

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

  • 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 nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Manipal Cigna Pro Health Prime Plan: FAQ's

1. What are the eligibility criteria for ManipalCigna Pro Health Prime Plan?

Minimum Age: - Child - 91 days, Adult - 18 years

Maximum Age: - No Limit (Children up to the age of 25 years can be covered under the family floater plan).

2. What are the sum insured options available under ManipalCigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan there are multiple sum insured options ranging from 3/4/5/7.5/10/12.5/15/20/25/30/40/ 50 L up to 1 Cr

3. Who can I cover under ManipalCigna Pro Health Prime Plan?

Under ManipalCigna Pro Health Prime Plan you can cover Self, your 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.

4. What am I covered for under ManipalCigna Pro Health Prime?

You are provided with wide coverage features as well as optional covers and packages like in-patient hospitalization, Day Care Treatment, Ambulance Cover, Restoration of Sum Insured, Health Maintenance Benefits, and more.

5. Can I buy ProHealth Prime Online?

Yes, you can buy ManipalCigna Pro Health Prime Online through the official website

6. Are medical tests mandatory for everyone before buying the policy?

Medical tests will be conducted on the basis of the age of the insured, the plan type and the sum insured selected apart from the health conditions declared as part of the Proposal Form.

7. What is the Premium payment frequency available under ProHealth Prime?

Premium payment modes available under ProHealth Prime Insurance are Single, Half-Yearly, Quarterly, and Monthly. Premium payment mode can only be selected at the inception of the Policy or at the renewal of the Policy.

8. What is the switch-off cover benefit under ManipalCigna Pro Health Prime Plan?

ManipalCigna Pro Health Prime offers a unique feature wherein in you can switch off your cover when you are traveling abroad for up to 30 days.

9. How can I customize my ManipalCigna Pro Health Prime Plan?

Under ManipalCigna Pro Prime Plan you can opt for additional covers or packages that combine multiple features under various sum insured options. For example, the wellness program under ManipalCigna ProHealth Prime Protect and Advantage Plan aims at rewarding you on the basis of the number of steps you have walked per day in conjunction with the number of days.

10. Am I covered for Critical Illnesses under ManipalCigna Pro Health Prime

Yes, you are offered a domestic second medical opinion for 36 listed critical illnesses under ManipalCigna Pro Health Prime.

ManipalCigna Health Insurance Review

Read what customers have to say about ManipalCigna Health Insurance.

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Parag Mehta

Jamshedpur

May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

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Anshul Garg

Vishakapatnam

May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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Shivalika Varghese

Delhi

May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar

Kolkata

May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge

Nagpur

May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Pragh Aggrawal

Bhopal

April 8, 2024

I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.

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Siddhant Tomar

Pune

April 8, 2024

ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...

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Pakhi Rajawat

Pune

April 8, 2024

Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.

View All ManipalCigna Health Insurance Reviews