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  • High sum insured
  • Customized benefits
ManipalCigna Health Insurance
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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.

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

Manipal Cigna Pro Health Prime Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

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 ManipalCIgna Health Plan

Know more about ManipalCigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

For any query related to the policy get in touch with the Manipal Cigna Health Insurance

Premium Calculator

Click here to calculate Manipal Cigna Health Insurance Premium

Explore other ManipalCigna Health Insurance Plans

ManipalCigna Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

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

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

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

Group Plan

ManipalCigna Pro Health Group

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

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.

Health Insurance Articles

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 Lifetime Health Plan Review

Read what customers have to say about ManipalCigna Lifetime Health Plan Insurance.

Customer Review Image

Poonam Sinha

Surat

December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

Customer Review Image

Santokh Singh Sethi

Delhi

September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image

Asleen

Indore

May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

Customer Review Image

jasvinder singh

Delhi

March 25, 2022

very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma

Chandigarh

February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar

Hyderabad

November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

Customer Review Image

Ravi Rajora

Delhi

October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Customer Review Image

deepankar singh

Chandigarh

October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

View All ManipalCigna Health Insurance Reviews