Manipalcigna Prime Advantage Plan
vs
Personal Accident Insurance
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| PLAN DETAILS |
 Manipalcigna Prime Advantage Plan |
 Personal Accident Insurance |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
8500 | 16400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Available | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | - |
| Plan Entry Age | Children: 91 days to 25 years, Adults: 18 years to no limit | 18 Years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual & Multi-individual cover | - |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1 Years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Covered | - |
| Claim Ratio | 99.96 | 96.83 |
| Solvency Ratio | 1.5 | 1.9 |
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna ProHealth Prime Advantage is a plan that covers OPD expenses like consultation, diagnosis and pharma. Apart from this, the plan gives you the freedom of choosing any room category at the time of hospitalisation, covers cashless non-medical expenses, and annual health check-ups from the first year of policy issuance irrespective of the claims you’ve raised previously in the same year.
ManipalCigna Prime Advantage plan by ManipalCigna Health Insurance Company is a subsidiary plan type under the ManipalCigna ProHealth Prime health plans. The other two plan variants under the ManipalCigna ProHealth Prime plan are- Prime Protect and Prime Active.
The plan covers relationships as:
For Individual plans: Self, 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
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 plan variant ManipalCigna ProHealth Prime Advantage promises to provide its policyholders with better coverage of escalation to OPD, and zero deductions towards non-medical expenses (nursing, consultation, diagnosis, drugs, etc). Furthermore, you can avail of the better control mechanism under this plan which says;
This all-rounded health plan is not limited to just these benefits, here are other major benefits of the plan as well:
| Package options | Coverage benefits |
|---|---|
| Enhance | Maternity expenses, newborn cover, 1-year vaccination charges, necessary medical termination of pregnancy, etc (covered up to two pregnancies in the whole lifetime, applicable at a rate of 10% SI on each of the two deliveries up to INR 1 Lakh. |
| Newborn care coverage under which any kind of delivery complications, and post-partum health support against any complications along with the baby’s healthcare up to 91 days from the day of delivery is borne by the insurer. | |
| Room accommodation is a great convenience with this optional package as you get the freedom to opt for any category of room including suite, private room, etc according to your choice. | |
| Freedom (only applicable to Indian residents) | Opt for the best rooms for your best comfort during hospitalisation and treatment of a disease. |
| Worldwide emergency hospitalisation with an out-patient coverage benefit allows the insured to receive out-patient treatment in a situation of emergency outside India. |
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