Manipal Health Pro Prime

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

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.

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

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

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.

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.

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.

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

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

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

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

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

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.

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

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

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

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.

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

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.

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

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.

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.

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

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.

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

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

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

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.

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.

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.