Pro Health Protect Plan
  • Avail Add-On Covers
  • Optional Benefits Available
  • High SI
premium

Network hospitals

8751+

premium

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

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

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

premium

Pan India Presence

77

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

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ManipalCigna Pro Health Protect Plan

Manipal Cigna Pro Health Protect is a comprehensive health insurance policy designed to take care of you and your family in your health and illness. The plan is an individual and family floater insurance plan and is suitable for young individuals and couples. The plan offers basic features like:

  • Newborn Baby and Maternity Cover
  • Health Maintainance Benefit
  • AYUSH Cover
  • Daycare Treatment
  • Domiciliary Treatment, and more

Value-added covers are also a part of the ManipalCigna Pro Health Protect Plan for customers. Regular health check-ups, expert opinions on critical illnesses, cumulative bonuses, healthy rewards, along optional covers make the plan a suitable health insurance plan that protects you in the face of any medical emergency. A mandatory co-pay is applicable of 20% on all claims for insured individuals aged 65 years and above.

ManipalCigna Pro Health Protect Eligibility Criteria

Before investing in the ManipalCigna Pro Health Protect insurance plan, it is essential to understand the eligibility criteria mentioned in the policy schedule. Further details are provided below

Child Entry Age

91 Days

Entry Age

Min: 18 years
Maximum: No Limit

Policy Term

1/2/3 Years

Plan Type

Individual/Family Floater

Sum Insured

2.5 L | 3.5 L | 4.5 L | 5.5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 50 L

Initial Waiting Period*

30 Days*

Manipal Cigna Pro Health Protect Plan Benefits

Insured individuals can avail a plethora of benefits with the ManipalCigna Pro Health Protect Health Plans. We have mentioned some of the benefits and features below in order to help you make an informed decision:

  • Multiple Discounts Available
    Manipal Cigna Health Insurance Plan offers multiple discount options to customers such as a family discount of 25% on covering 2 or more family members under the same plan. Up to 10% long-term discount for opting for a 3-year policy term and a 15% co-pay discount on opting for a 20% co-pay on the policy.
  • Expert Opinion On Critical Illness
    ManipalCigna Pro Health Protect Health Insurance Plan offers expert opinions on listed critical illnesses to customers once during the policy year. This feature is beneficial in order to diagnose and seek correct treatment measures in cases of critical illnesses.
  • Healthy Rewards
    ManipalCigna Pro Health Protect plan encourages and incentivizes insured individuals to stay healthy. The plan offers multiple rewards and points by opting for the wellness program offered by the plan. All the points accumulated by the insured individual can be redeemed during the first renewal of the policy or can be used to avail discounts when a service is availed.
  • Health Check-Up
    ManipalCigna Pro Health Protect plan offers a free health check-up to insured individuals regardless of their claim status for all insured individuals above the age of 18 years. The facility will be provided at the insurer's list of network hospitals.
  • Optional Covers
    Insured individuals can opt from a list of optional covers like deductibles, hospital daily cash, reduction in maternity waiting period, voluntary co-pay, and more that are available under the ManipalCigna Pro Health Protect Insurance Plan.

Choose Your Manipal Cigna Pro Health Protect Plan

The plan offers a wide range of sum insured options to select from that are mentioned in the table given below:

Coverage for SI: 2.5 L - 50 L

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered Up to SI

Daycare Treatment

Covered Up to SI

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

5% up to a max of 200% of SI

Automatic Restoration

Available

Daily Hospital Cash

Covered

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered Up to INR 2k

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Covered Up To SI

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Not Available

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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, the room rent is covered wherein any hospital room except Suite.

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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, ICU charges are covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, pre-hospitalization is 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 Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan covers medical expenses incurred during post-hospitalization for 180 Days up to 2% of SI.

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 Plus Plan?

Manipal Cigna Pro Health Plus Plan does cover domiciliary hospitalizations 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 Plus Plan?

Manipal Cigna Pro Health Plus Plan covers the expenses of 500 plus listed Day Care treatments covered up to the Sum Insured.

What are OPD charges?

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

Coverage status under Manipal Cigna Pro Health Plus Plan?

OPD charges are covered under the Manipal Cigna Pro Health Plus Plan as an add-on cover.

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 Plus Plan?

Manipal Cigna Pro Health Plus Plan does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan does not cover Cataract Treatment.

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 Plus Plan?

Manipal Cigna Pro Health Plus Plan offers a no-claim bonus of 25% of the sum insured for each claim-free year subject to a maximum of 200% of the sum insured.

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 Plus Plan?

Manipal Cigna Pro Health Plus Plan offers multiple restorations in a policy year for unrelated illnesses, and injuries in addition to the Sum Insured opted for automatic restoration.

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 Plus Plan?

INR 2,000 Daily hospital cash is available under the Manipal Cigna Pro Health Plus Plan.

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 Plus Plan?

Under Manipal Cigna Pro Health Plus Plan the 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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, Maternity Cover is available

  • INR 15,000 for normal
  • INR 25,000 for C-Section (Per event)
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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, the newborn baby cover is available 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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, AYUSH treatment is 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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, IVF is not available.

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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, modern treatments are covered.

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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, ambulance cover is available up to INR 3,000 per event.

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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, the air ambulance is covered.

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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, compassionate travel 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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, global coverage is covered up to the 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 Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, E-consultation is not 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 Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, a health check-up is available each policy 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 Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan covers the expenses for a second medical opinion once during the policy year.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan does not cover vaccination 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 Manipal Cigna Pro Health Plus Plan?

A 10%/20% voluntary co-pay is available under the Manipal Cigna Pro Health Plus Plan.

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 Plus Plan?

Sub-limits are not applicable.

ManipalCigna Pro Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the ManipalCigna Pro Health Plan are mentioned below:

Breach of Law

Suicide or Drug Abuse

Contamination from Nuclear Fuel or Radiation

Civil War

Obesity and Weight Management Surgeries

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a specific period of time that are mentioned below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

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.

Comprehensive Plan

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.

Unique Features

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • 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

Manipal Cigna Prime Senior

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 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.

Conclusion

Manipal Cigna Pro Health Protect Plan is a versatile family and individual health plan that takes care of all medical care needs and requirements. With multiple discounts, value-added covers, optional covers, and more. The plan is apt for young individuals or newly married couples as it provides holistic health care along with multiple customization options that suit your needs and requirements.

ManipalCigna Prohealth Protect Plan: FAQs

1. What are the eligibility criteria to invest in the ManipalCigna Pro Health Protect plan?

The eligibility criteria for adults to purchase the ManipalCigna Pro Health Protect plan is 18 years, whereas dependent children can be covered from 91 Days. There is no maximum entry age limit.

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

There are various sum insured options under the ManipalCigna Pro Health Protect Plan that range between INR 2.5 L to 50 L.

3. What are the optional covers available under the ManipalCigna Pro Health Protect Plan?

The optional covers available under the ManipalCigna Pro Health Protect Plan are

  • Deductibles 
  • Hospital Daily Cash 
  • Reduction in Maternity Waiting 
  • Voluntary Co-Pay
  • Waiver of Mandatory Co-Pay
  • Cumulative Bonus Booster 

4. What are the add-on covers available under the ManipalCigna Pro Health Protect Plan?

The plan provides insured individuals with add-on covers like:

  • ManipalCigna 360 Shield 
  • Advance 
  • OPD

5. Will ManipalCigna Pro Health Protect provide tax benefits?

Yes, all premiums paid towards the ManipalCigna Pro Health Protect are eligible to avail of tax benefits under the Income Tax Act pf 1961 as per the Indian Income Tax Laws.

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ManipalCigna Health Insurance Review

Read what customers have to say about ManipalCigna health Plan.

Customer Review Image

Babu Shenoy

Other

February 17, 2024

Excellent service. Very prompt. Personal attention and care... it is a pleasure to deal with them. Can safely recommend to friends and relatives.

Customer Review Image

Rohan Verma

Gandhinagar

October 4, 2023

Policyx.com s team was patient and helped me understand all the details of my ManipalCigna Health Insurance policy.

Customer Review Image

Riya Joshi

Surat

October 4, 2023

ManipalCigna Health Insurance through Policyx.com has given me the peace of mind I needed. Highly satisfied with the service.

Customer Review Image

Reena Sahu

Hyderabad

October 4, 2023

Policyx.com s platform is user-friendly and helped me find the right ManipalCigna Health Insurance plan quickly.

Customer Review Image

Ravi Goyal

Agra

October 4, 2023

I ve been a loyal customer of ManipalCigna Health Insurance for years, thanks to Policyx.com for introducing me to it.

Customer Review Image

Rani Khanna

Hyderabad

October 4, 2023

Policyx.com provided excellent assistance in choosing ManipalCigna Health Insurance. I feel more secure now.

Customer Review Image

Rakesh Singh

Coimbatore

October 4, 2023

I can t thank Policyx.com enough for simplifying the process of purchasing ManipalCigna Health Insurance. It s a great investment in my health.

Customer Review Image

Rajan Mehta

Coimbatore

October 4, 2023

Policyx.com offers a wide range of health insurance options, and I found the perfect one with ManipalCigna Health Insurance.

View All ManipalCigna Health Insurance Reviews

Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.