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"Your Health Deserves Better!" Get safeguarded with a health plan that provides all-around healthcare facilitation.
ManipalCigna Prime Protect plan is a variant of the ManipalCigna ProHealth Prime health plan. The other two plan variants are Prime Advantage and Prime Active. Options are available for individual, multi-individual, and family floater plan types. The relationships covered under the Prime Protect insurance plan are:
For individual plans: Self, Spouse, Children, Father, Mother, Father-in-law, Mother-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 base coverage of the Prime Protect plan variant offers benefits such as in-patient, out-patient, pre and post-hospitalisation, modern treatment, road ambulance, donor expenses, air ambulance, bariatric surgery, daycare procedures, domiciliary treatment, daily cash benefit on shared room accommodation, AYUSH treatment, coverage enhancement with sum insured restoration, and others.
This section provides all the information you need about the eligibility criteria, waiting period, benefits, specifications, exclusions, and claim procedure for the ProHealth Prime Protect plan. Read further to know more.
| PLAN DETAILS |
Manipalcigna Prime Protect Plan |
Activ Assure Diamond |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | 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 | 12900 |
| 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 | Not 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 | Not 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 | Minimum: Child - 91 days, Adult - 18 years; Maximum: No Limit | Min- 5 years, Max- 65 years |
| Plan Premium Entry Age and S/A | 8182 | - |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 8182 | 962 |
| 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 | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 98 | 96 |
| Solvency Ratio | 1.76 | 1.88 |
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