ManipalCigna Disclaimers

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ManipalCigna Health Insurance Company Limited | CIN: U66000MH2012PLC227948 | IRDAI Reg. No.: 151 | Regd. Office: 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400 063 | Toll Free: 1800-102-4462 | Website: www.manipalcigna.com | Category - General (Health) Insurance

For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale. Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc and is being used by ManipalCigna Health Insurance Company Limited under license.

© @ 2019 ManipalCigna Health Insurance Company Limited. All rights reserved.

In order to avail any other Sum Insured , benefit OR Add-on cover which is not available at the time of buying on the website, please feel free to contact us on our Toll free number that is 1800-102-4462 or visit our branches. You may also contact us at our customer service email id: customercare@manipalcigna.com or write to us at ManipalCigna Health Insurance Company Limited ,401/402,Raheja Titanium, Western Express Highway, Goregaon (East)-Mumbai-400063 for any assistance


Product Disclaimer


  • 1. ManipalCigna ProHealth Prime UIN: MCIHLIP22224V012122

  • The solutions demonstrated in this video are optional and for illustration purpose depicting some of the possible combination of various plans and optional covers available under the product – ManipalCigna ProHealth Prime. These plans and optional covers are also available for sale individually without these combination/ solutions. There is no compulsion whatsoever that these plans and covers are to be taken together and presented above. You may choose to opt for any other combination or individual plan or optional covers as per your need.

    ~Available as an optional cover on payment of additional premium.

    (5)Available under ProHealth Prime – Advantage Plan.

    (6)Annual Premium is ₹ 17,484 including taxes for ProHealth Prime Protect Plan for Sum Insured of ₹ 10 lakhs for family floater plan (2 Adults) policy with eldest insured aged 35 years for Zone 1. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available are: Monthly, Quarterly, Half yearly & Single.

    (7)₹ 5 lakhs cover @ 19 per day Annual Premium is ₹ 6,934 including taxes for ProHealth Prime Protect Plan for Sum Insured of ₹ 5 lakhs for individual insured aged 35 years for Zone 1. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes available are Monthly, Quarterly, Half-yearly & Single.

    (8)₹ 5 lakhs cover @ 30 per day Annual Premium is ₹ 11,024 including taxes for ProHealth Prime Protect Plan for Sum Insured of ₹ 5 Lakhs for family floater plan (2 Adults) policy with eldest insured aged 35 years for Zone 1. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes available are Monthly, Quarterly, Half-yearly & Single.

    (9)₹ 5 lakhs cover @ 23 per day Annual Premium is ₹ 8,291 including taxes for ProHealth Prime Advantage Plan for Sum Insured of ₹ 5 lakhs for individual insured aged 35 years for Zone 1. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes available are Monthly, Quarterly, Half-yearly & Single.

    (10)₹ 10 lakhs cover @ 29 per day Annual Premium is ₹ 10,605 including taxes for ProHealth Prime Advantage Plan for Sum Insured of ₹ 10 lakhs for individual insured aged 35 years for Zone 1. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes available are Monthly, Quarterly, Half-yearly & Single.

    (11)Wellness Program Earn reward points of up to 20% of your base premium and use them as a discount on the renewal premium.

    (12)Condition Management Program Earn reward points of up to 15% of your base premium and use them as a discount on the renewal premium.

    (13)Room upgradation: Suite or any room above the suite room is only available with the Enhance Plus, Enhance, and Freedom Packages under ProHealth Prime Protect and Advantage plans.


  • 2. ManipalCigna ProHealth Insurance UIN: MCIHLIP22211V062122

  • ~Out patient department expenses covered under Health Maintenance benefit (HMB).

    *Available under Health Maintenance benefit as per plan.

    (1)Terms and Conditions Apply. Restoration is available unlimited times for unrelated illnesses, injury.

    (2)Sum Insured of ₹ 1 crore is available only under ProHealth Insurance Premier Plan.

    (3)Annual Premium of ₹ 12,010 including taxes for ProHealth Protect Plan for Sum Insured of ₹ 5.5 lakhs for family floater plan (2 Adults) policy with highest insured aged 30 years for Zone 1. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, Single.

    (4)5%/10% of the base sum insured every policy year(irrespective of claims) as per plan opted, maximum accumulation up to 200%.


  • 3. ManipalCigna Super Top Up UIN: MCIHLIP23022V032223

  • Claims under this policy will be payable only if the aggregate of all covered medical expenses exceeds the deductible limit applicable per policy year.

    *Guaranteed continuity benefit will be available as an optional cover with additional premium.

    ^Annual Premium including taxes @₹ 920 for Super Top Up Plus Plan for the Sum Insured of ₹ 10 lakhs; with deductible of ₹ 10 lakhs for family floater ( 2 Adults + 2 Kids) policy with the highest insured age as 35 years. Premium applicable for standard healthy lives.

    ^^Annual Premium including taxes for Super Top Up Plus Plan for the Sum Insured of ₹ 10 lakhs with Deductible of ₹ 5 lakhs; for an individual insured aged 35 years. Premium applicable for standard healthy life. ₹ 15 lakhs= ₹ 5 lakhs existing health insurance sum insured and ₹ 10 lakhs Super Top Up Sum Insured. 90 lakhs and above = 90 lakhs+ active Lives covered as on January 2022.

    ^^^Annual Premium including taxes for Super Top Up Plus Plan for Sum Insured of ₹ 30 lakhs with deductible of ₹ 10 lakhs; for the individual insured aged 35 years or more. Premium applicable for standard healthy life.


  • 4. ManipalCigna Lifetime Health UIN: MCIHLIP21559V012021

  • ~Optional covers are available on payment of additional premium.

    **Available on porting existing base sum insured (excluding bonus) of ₹ 10 lakhs & more.

    ~~ Under Premium Waiver Benefit, 1 year premium is waived off if the insured who is also the proposer suffers from any of the covered contingencies.

    +Coverage outside India is available with Lifetime Health Global plan for opted major illness/es within opted area of cover.

    ##Available for coverage in India.

    (a)Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 50 lakhs is ₹12,899/- for the individual insured of age 45 years. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, Single.

    (b) Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 1 Crore is ₹ 14,213/- for the individual insured of age 45 years. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, Single.

    (c)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 50 lakhs is ₹21,081/- each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, Single.

    (d)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 1 Crore is ₹26,622/- each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium applicable for standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, Single.

    (e)Annual Premium including taxes for Super Top Up Plus Plan for Sum Insured of ₹ 30 lacs with deductible of ₹ 10 lacs; for the individual insured aged 46 years. Premium applicable for standard healthy life.

    (f)Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 50 lakhs is ₹35/day for the individual insured of age 45 years. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.

    (g)Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 1 Crore is ₹39/day for the individual insured of age 45 years. Premium applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.

    (h)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 50 lakhs is ₹58/day each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.

    (i)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 1 Crore is ₹73/day each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.

    (j)Any room which is a suite or above will only be available with the sum insured of Rs 3 Cr.

    (k)Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 3 Crores is ₹15,733/- for the individual insured of age 45 years. Premium applicable for a standard healthy life. Per day premium mode is not available. Premium payment mode available as: Monthly, Quarterly, Half yearly, Yearly, and Single.

    (l)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 3 Crores is ₹32,093/- each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.

    (m)Annual premium including taxes for Lifetime Health India Plan for sum insured of ₹ 3 Crores is ₹43.10/day for the individual insured of age 45 years. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment mode are available as: Monthly, Quarterly, Half yearly, Yearly, and Single.

    (n)Annual premium including taxes for Lifetime Health Global Plan for sum insured of ₹ 3 Crores is ₹87.93/day each for coverage in India and abroad for the individual insured of age 45 years where the coverage outside India is for the listed 27 major illnesses and area of cover as Worldwide excluding India. Premium is applicable for a standard healthy life. Per day premium mode is not available. Premium payment modes are available as Monthly, Quarterly, Half yearly, Yearly, and Single.


  • 5. Smart solution (ProHealth UIN: MCIHLIP22211V062122 + Super Top Up UIN: MCIHLIP23022V032223)

  • This advertisement is designed for combination of Benefits of two individual and separate products named (1) ManipalCigna ProHealth Insurance UIN: MCIHLIP22211V062122 & (2) ManipalCigna Super Top Up UIN: MCIHLIP23022V032223. These products are also available for sale individually without the combination offered / suggested and as per the need of the customer. There is no compulsion whatsoever that these products are to be taken together as suggested and presented above.


  • 6. ManipalCigna Health 360 Rider UIN: MCIHLIA23023V012223

  • Within ManipalCigna, this is the first time, we offer riders that enhances the base covers of the policy. This in no way compares with any other Insurer offering such covers.


    Tax Disclaimer

    *Deduction under section 80D is applicable under the provisions of Income Tax Act, 1961. Please consult your Tax advisor for more details on Tax benefits. Tax treatment are subject to change in Tax laws.
    #An individual or HUF can claim a deduction up to ₹ 25,000 for the insurance of self, spouse, and dependent children. An additional deduction for the insurance of parents is available to the extent of ₹ 25,000 if parents are less than 60 years of age, or ₹ 50,000 if parents are aged above 60 years. Deduction of ₹ 1 lac is available if the age of Self & parents is above 60 days or more. Please consult your tax advisor for more details on tax benefits.


    Tax benefit is subject to changes in tax laws.