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Manipalcigna Prime Advantage Plan
12,640
VS
Health Gain Policy
NA
Buying health insurance that provides 360-degree coverage against medical emergencies for you and your family is essential today. ManipalCigna ProHealth Prime Advantage is a plan that covers OPD expenses such as consultation, diagnosis, and pharmacy. Additionally, the plan offers the freedom to choose any room category during hospitalization, covers cashless non-medical expenses, and provides annual health check-ups from the first policy year, irrespective of previous claims.
The ManipalCigna Prime Advantage plan is a variant under the ManipalCigna ProHealth Prime health plans. The other two variants are Prime Protect and Prime Active.
Relationships covered:
For Individual plans: Self, Spouse, Children, Parents, Parents-in-law, Son-in-law, Daughter-in-law, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister
For Family Floater plans: Self, spouse, children, and parents. A floater cover can insure a maximum of 2 adults and 3 children under a single policy.
The ManipalCigna ProHealth Prime Advantage plan offers policyholders enhanced OPD coverage and zero deductions for non-medical expenses (e.g., nursing, consultation, diagnosis, drugs). Key features of this plan include:
This comprehensive health plan offers additional major benefits:
| Package options | Coverage benefits |
|---|---|
| Enhance | Maternity expenses, newborn cover, 1-year vaccination charges, necessary medical termination of pregnancy (covered up to two pregnancies in a lifetime, applicable at 10% SI on each delivery, up to INR 1 Lakh). |
| Newborn care coverage for delivery complications, post-partum health support, and baby's healthcare up to 91 days from delivery. | |
| Freedom to opt for any room category, including suites or private rooms. | |
| Freedom (for Indian residents only) | Choice of best rooms for comfort during hospitalization and treatment. |
| Worldwide emergency hospitalization with out-patient coverage for emergency treatment outside India. |
| PLAN DETAILS |
Manipalcigna Prime Advantage Plan |
Health Gain Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 9100 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Available | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Covered |
| Plan Entry Age | Children: 91 days to 25 years, Adults: 18 years to no limit | 91 days to 65 Years |
| Plan Premium Entry Age and S/A | 12,640 | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | In-patient hospitalization, AYUSH treatment, air ambulance, bariatric surgery, maternity & newborn cover, worldwide emergency hospitalization, OPD benefits. | Individual / Family Floater |
| Plan Sample Premium | 12,640 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98 | 87.50 |
| Solvency Ratio | 1.76 | 2.35 |
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