A comprehensive and customizable Health Insurance plan that offers better coverage, greater flexibility and enhanced care.
Sum Insured : Multiple Sum Insured options available
A comprehensive and customizable Health Insurance plan that offers better coverage, greater flexibility and enhanced care.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Launch Date: 06-10-2026
Various Plans
ProHealth Prime – Protect Plan
has been designed keeping your needs in mind.Sum insured (SI)
3Lacs - ₹ 1Crore
Base premium
16,099*/annum
Sum insured (SI)
5Lacs - ₹ 1Crore
Base premium
14,536*/annum
Sum insured (SI)
multiple Sum Insured options
Base premium
13,551*/annum
ProHealth Prime Protect
Designed for individuals & families looking for comprehensive protection and greater healthcare flexibility.
Ped Waiting Period
Sum Insured up to 5 Lacs – 36 monthsSum Insured of 7Lacs & Above – 24 months
Sum Insured
3Lacs - 1 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
16,099* inclusive of taxes(as applicable)
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Choice of Sum Insured from ₹ 3 Lacs to ₹ 1 Crore
Coverage for Non medical expenses
Unlimited Restoration of Sum Insured for related / unrelated illnesses/injuries
Choice to avail "Any Room" category
Switch off your cover when you are travelling abroad for up to 30 days
Waiver of next one year renewal premium due to Accidental Death or if diagnosed with listed Critical Illnesses
Wellness Program which lets you earn up to 20% of base premium as rewards
Annual Health Check-up irrespective of claims from 1st year onwards
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured
Customizable option to enhance the coverage by opting for optional packages and optional covers
To know more towards a healthier you, please CLICK HERE
What’s covered
- Hospitalization expenses with an option to take treatment in Any Room
- Pre & Post Hospitalization expenses of 60 and 180 days respectively
- Domiciliary Hospitalization up to 10% of Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- Unlimited Restoration of Sum Insured for related / unrelated illnesses
- AYUSH treatment up to Sum Insured
- Air Ambulance cover up to Sum Insured, subject to a max of ₹ 10Lacs
- Bariatric Surgery up to Sum Insured, subject to a max of ₹ 5Lacs
- Daily cash for shared accommodation
- Annual Health Check-up from 1st year onwards
- Domestic second opinion for 36 listed Critical Illnesses
- Unlimited Tele-consultation
- Switch off your cover while travelling abroad up to maximum of 30 days in a policy year, and get discount on renewal premium
- Waiver of next one year renewal premium if diagnosed with listed Critical Illnesses or in case of Accidental Death
- Guaranteed Cumulative Bonus of 25% every year, maximum up to 200% of Sum Insured
- Wellness Program – Earn rewards up to 20% of base premium through Healthy Life Management Program
- Avail ‘Any room’ category, including suite and above
- Get 8x of your Sum Insured. 100% guaranteed annual increase in Sum Insured maximum up to 800%
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Rationale For ProHealth Prime Premium Revision, please Click here.
/hospitalization-cover/prohealth-insurance/prohealthprime-protect
Enhance Plus Package
Option to enhance the coverages with the following covers in the packages:
1. Upgrade to Any Room category
2. Health Maintenance benefit of ₹ 3,000 to take care of your OPD expenses
3. Maternity and New Born Hospitalization expenses with 1st year of vaccinations of up to 10% of Sum Insured; subject to maximum of ₹ 1Lac
Freedom Package
Option to ensure that you have freedom while being hospitalized or travel abroad without worrying about medical expenses with the following covers:
1. Upgrade to Any Room category
2. Cover for emergency hospitalization and OPD world-wide
Assure Package
1. Room Rent - Up to 1% of Sum Insured per day; ICU - Up to 2% of Sum Insured per day
2. Modern and Advanced Treatments - Covered up to 10% of Sum Insured
3. Disease specific sub-limits applicable
Cover Non-Medical Expenses
This covers for Non-payables which is otherwise an out of pocket expense during hospitalization
Personal Accident Coverage
2 times of Sum Insured subject to a maximum of ₹ 50Lacs
Infertility Treatment
Infertility treatment limited to IUI and/or IVF. Maximum up to 2 successful procedures ; up to ₹ 2.5 Lacs over and above maternity limit.
Option to choose Deductible of ₹ 10k or ₹ 25k
The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy.
Cumulative Bonus Booster
You have an option to increase the coverage with 50% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
ManipalCigna Prime Plus
1. Surplus Benefit: Get additional 100% of Sum Insured for 1st claim only, every policy year
2. Premium Management Cover: Removal of coverages such as Air Ambulance Cover, Bariatric Surgery Cover, Daily Cash for Shared Accommodation, Health Check Up for Adult Insured, Domestic Second Opinion, Tele Consultation and Premium Waiver Benefit from base policy.
3. Women Care: Get coverage for Mammography, Cervical Cancer screening and PCOS/PCOD diagnostic tests on cashless basis from MCHI network for women aged 18 years and above.
4. Deductible: Option to opt from Rs. 50,000, Rs. 1 Lac, Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs and Rs. 5 Lacs.
5. Supreme Bonus: 100% of Sum Insured up to a maximum of 800%. This is over and above the Base Cumulative Bonus. (Available with Sum Insured ₹5 Lacs and above)
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Children up to the age of 25 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Lawfully Wedded Spouse, Children, Parents, Siblings, Parent In Laws, Grandparents, Grandchildren, Son-in-law, Daughter-In-law, Uncle, Aunty, Nephew, Niece
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ProHealth Prime Advantage
Designed for individuals & families looking for comprehensive protection with an OPD cover and greater healthcare flexibility.
Ped Waiting Period
Sum Insured up to 5 Lacs – 36 monthsSum Insured of 7Lacs & Above – 24 months
Sum Insured
5Lacs - 1 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
14,536* inclusive of taxes(as applicable)
*The Premium value is indicative for the below mentioned profile Age – 35, Zone – 1, Cover type – Individual, Tenure- 1 year, Premium payment mode- Single. ₹ 20K OPD
Proposal may be subject to underwriting review
Choice of Sum insured from ₹ 5 Lacs to ₹ 1 Crore
Cashless OPD cover to protect high expenses of doctor consultations, prescribed diagnostics and pharmacy
Unlimited restoration of Sum Insured for related/unrelated illnesses/injuries
Coverage for Non-medical expenses
Choice to avail "Any Room" category
Switch off your coverage when you are travelling abroad for up to 30 days
Waiver of next one year renewal premium due to Accidental Death or if diagnosed with listed Critical Illnesses
Wellness Program which lets you earn rewards up to 20% of base premium as rewards
Annual Health Check-up irrespective of claims from 1st year onwards
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured
Customizable option to enhance the coverage by opting for optional packages
To know more towards a healthier you, please CLICK HERE
What’s covered
- Hospitalization expenses
- Pre & Post Hospitalization expenses of 60 and 180 days respectively
- Domiciliary Hospitalization up to 10% of Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- Unlimited Restoration of Sum Insured
- AYUSH treatment up to Sum Insured
- Air Ambulance cover up to Sum Insured, subject to a max of ₹ 10Lacs
- Bariatric Surgery up to Sum Insured, subject to a max of ₹ 5Lacs
- Cashless OPD coverage of ₹ 20,000 , ₹ 30,000 or ₹ 50000 to cover for expenses of Consultations, prescribed diagnostics and pharmacy. Pharmacy up to 20% of OPD limit.
- Annual Health Check-up from 1st year onwards
- Unlimited Tele consultation
- Switch off your cover while travelling abroad up to maximum of 30 days in a policy year, and get discount on renewal premium
- Waiver of next one year renewal premium if diagnosed with listed Critical Illnesses or due to Accidental Death
- Guaranteed Cumulative Bonus of 25% every year, maximum up to 200% of Sum Insured
- Wellness Program – Earn rewards up to 20% of base premium through Healthy Life Management Program
- Avail ‘Any room’ category, including suite and above
- Supreme bonus - Get 8x of your Sum Insured i.e.100% guaranteed annual increase in Sum Insured maximum up to 800%
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Rationale For ProHealth Prime Premium Revision, please Click here.
/hospitalization-cover/prohealth-insurance/prohealthprime-protect
Enhance Package
Option to enhance the coverages with the following covers in the packages:
1. Upgrade to Any Room category
2. Maternity and New Born Hospitalization expenses with 1st year of vaccinations of up to 10% of Sum Insured; subject to maximum of ₹ 1Lac
Freedom Package
Option to ensure that you have freedom while being hospitalized or travel abroad without worrying about medical expenses with the following covers:
1. Upgrade to Any Room category
2. Cover for emergency hospitalization and OPD world-wide
Cover Non-Medical Expenses
This covers for Non payables which is otherwise an out of pocket expense during hospitalization
Personal Accident Coverage
2 times of Sum Insured subject to a maximum of ₹ 50Lacs
Infertility Treatment
Infertility treatment limited to IUI or IVF or both. Maximum up to 2 successful procedures; up to ₹ 2.5 Lacs over and above maternity limit.
Cumulative Bonus Booster
You have an option to increase the coverage with 50% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
ManipalCigna Prime Plus
1. Surplus Benefit: Get additional 100% of Sum Insured for 1st claim only, every policy year
2. Premium Management Cover: Removal of coverages such as Air Ambulance Cover, Bariatric Surgery Cover, Daily Cash for Shared Accommodation, Health Check Up for Adult Insured, Domestic Second Opinion, Tele Consultation and Premium Waiver Benefit from base policy.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Children up to the age of 25 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ProHealth Prime Active
Designed for individuals with pre-existing health conditions, with coverage starting from Day 91 for listed pre-existing conditions.
Ped Waiting Period
90 days for Asthma, Diabetes, Hypertension, Dyslipidemia, Obesity related conditions.For all other conditions - 24 months
Sum Insured
3Lacs - 15 Lacs
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
13,551* inclusive of taxes(as applicable)
*The Premium value is indicative for the below mentioned profile Age – 35, Zone – 1, Cover type – Individual, Tenure- 1 year, Premium payment mode- Single, condition management wellness program included.
Proposal may be subject to underwriting review
Choice of Sum Insured from ₹ 3 Lacs to ₹ 15 Lacs
Daily cash for opting shared accommodation
Unlimited Restoration of Sum Insured for unrelated illnesses
Condition Management Program which let's you earn rewards up to 15% of base premium
Cumulative Bonus of 10% of Sum Insured for each year, maximum up to 100% of Sum Insured
Customizable option to enhance coverage by opting optional covers
To know more towards a healthier you, please CLICK HERE
What’s covered
- Hospitalization expenses
- Pre & Post Hospitalization expenses of 30 and 60 days respectively
- Domiciliary Hospitalization up to 10% of Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- Unlimited Restoration of Sum Insured for unrelated illnesses
- AYUSH treatment up to Sum Insured
- Convalescence Benefit of ₹ 30000 for hospitalization of more than 10 days
- Daily cash for choosing shared accommodation
- Unlimited Tele consultation
- Cumulative Bonus of 10% every year maximum up to 100% in case of year. Reduction by 10% on account of claims
- Waiver of next one year renewal premium if diagnosed with listed Critical Illnesses or due to Accidental Death
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Rationale For ProHealth Prime Premium Revision, please Click here.
/hospitalization-cover/prohealth-insurance/prohealthprime-protect
Covers Non-Medical Expenses
This covers for Non payables which is otherwise an out of pocket expense during hospitalization.
Health Check up
One can opt for Health Check-up only if Wellness Program is removed from base plan. Health Check up is available once every 3rd policy year.
World-wide Accidental Emergency Hospitalization Cover
Medical Hospitalization Emergency arising due to Accidents while travelling abroad will be covered up to Sum Insured. The limits are over and above the base Sum Insured.
ManipalCigna Prime Plus
Room Rent Modification
Option 1: Any room; ICU Up to Sum Insured
Option. 2: Twin Sharing AC room; ICU Up to Sum Insured.
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ManipalCigna Prime Plus
Deductible
₹10K, ₹25K, ₹50K, ₹1 Lac, ₹2 Lacs, ₹3 Lacs, ₹4 Lacs, ₹5 Lacs
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Multi-Individual
Max Entry Age
Child - 17 days, Adult – no limit
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
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
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ProHealth Prime Protect
Designed for individuals & families looking for comprehensive protection and greater healthcare flexibility.
Ped Waiting Period
Sum Insured up to 5 Lacs – 36 months
Sum Insured of 7Lacs & Above – 24 months
Sum Insured
3 Lacs - 1 Crore
Sum Insured
₹ 5 Lacs
Premium PER ANNUM
16,099* inclusive of taxes(as applicable)
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Benefits
Choice of Sum Insured from ₹ 3 Lacs to ₹ 1 Crore
Coverage for Non medical expenses
Unlimited Restoration of Sum Insured for related / unrelated illnesses/injuries
Choice to avail "Any Room" category
Switch off your cover when you are travelling abroad for up to 30 days
Waiver of next one year renewal premium due to Accidental Death or if diagnosed with listed Critical Illnesses
Wellness Program which lets you earn up to 20% of base premium as rewards
Annual Health Check-up irrespective of claims from 1st year onwards
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured
Customizable option to enhance the coverage by opting for optional packages and optional covers
To know more towards a healthier you, please CLICK HERE
What’s covered
- Hospitalization expenses with an option to take treatment in Any Room
- Pre & Post Hospitalization expenses of 60 and 180 days respectively
- Domiciliary Hospitalization up to 10% of Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- Unlimited Restoration of Sum Insured for related / unrelated illnesses
- AYUSH treatment up to Sum Insured
- Air Ambulance cover up to Sum Insured, subject to a max of ₹ 10Lacs
- Bariatric Surgery up to Sum Insured, subject to a max of ₹ 5Lacs
- Daily cash for shared accommodation
- Annual Health Check-up from 1st year onwards
- Domestic second opinion for 36 listed Critical Illnesses
- Unlimited Tele-consultation
- Switch off your cover while travelling abroad up to maximum of 30 days in a policy year, and get discount on renewal premium
- Waiver of next one year renewal premium if diagnosed with listed Critical Illnesses or in case of Accidental Death
- Guaranteed Cumulative Bonus of 25% every year, maximum up to 200% of Sum Insured
- Wellness Program – Earn rewards up to 20% of base premium through Healthy Life Management Program
- Avail ‘Any room’ category, including suite and above
- Get 8x of your Sum Insured. 100% guaranteed annual increase in Sum Insured maximum up to 800%
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Rationale For ProHealth Prime Premium Revision, please Click here.
Add Ons and Options
Enhance Plus Package
Option to enhance the coverages with the following covers in the packages:
1. Upgrade to Any Room category
2. Health Maintenance benefit of ₹ 3,000 to take care of your OPD expenses
3. Maternity and New Born Hospitalization expenses with 1st year of vaccinations of up to 10% of Sum Insured; subject to maximum of ₹ 1Lac
Freedom Package
Option to ensure that you have freedom while being hospitalized or travel abroad without worrying about medical expenses with the following covers:
1. Upgrade to Any Room category
2. Cover for emergency hospitalization and OPD world-wide
Assure Package
1. Room Rent - Up to 1% of Sum Insured per day; ICU - Up to 2% of Sum Insured per day
2. Modern and Advanced Treatments - Covered up to 10% of Sum Insured
3. Disease specific sub-limits applicable
Cover Non-Medical Expenses
This covers for Non-payables which is otherwise an out of pocket expense during hospitalization
Personal Accident Coverage
2 times of Sum Insured subject to a maximum of ₹ 50Lacs
Infertility Treatment
Infertility treatment limited to IUI and/or IVF. Maximum up to 2 successful procedures ; up to ₹ 2.5 Lacs over and above maternity limit.
Option to choose Deductible of ₹ 10k or ₹ 25k
The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy.
Cumulative Bonus Booster
You have an option to increase the coverage with 50% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
ManipalCigna Prime Plus
1. Surplus Benefit: Get additional 100% of Sum Insured for 1st claim only, every policy year
2. Premium Management Cover: Removal of coverages such as Air Ambulance Cover, Bariatric Surgery Cover, Daily Cash for Shared Accommodation, Health Check Up for Adult Insured, Domestic Second Opinion, Tele Consultation and Premium Waiver Benefit from base policy.
3. Women Care: Get coverage for Mammography, Cervical Cancer screening and PCOS/PCOD diagnostic tests on cashless basis from MCHI network for women aged 18 years and above.
4. Deductible: Option to opt from Rs. 50,000, Rs. 1 Lac, Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs and Rs. 5 Lacs.
5. Supreme Bonus: 100% of Sum Insured up to a maximum of 800%. This is over and above the Base Cumulative Bonus. (Available with Sum Insured ₹5 Lacs and above)
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Eligibility
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Children up to the age of 25 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Lawfully Wedded Spouse, Children, Parents, Siblings, Parent In Laws, Grandparents, Grandchildren, Son-in-law, Daughter-In-law, Uncle, Aunty, Nephew, Niece
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
Other plans under ProHealth Prime
Sum insured
₹
Base premium
14,536*/annum
Sum insured
₹
Base premium
13,551*/annum
Plan Comparison
| PLAN NAME | ProHealth Prime Protect |
ProHealth Prime Advantage |
ProHealth Prime Active |
|---|---|---|---|
| Sum Insured | 3 Lacs - ₹ 100 Lacs | 5 Lacs- ₹ 100 Lacs | Multiple Sum Insured Options |
| Room Accommodation | Single Private AC Room ICU: Covered up to base Sum Insured |
Single Private AC Room ICU: Covered up to base Sum Insured |
For base Sum Insured of 3 Lacs - 1% of Sum Insured per day For base Sum Insured of 5 Lacs& above - Single Private AC room ICU: Up to Sum Insured |
| Pre - Hospitalization | 60 days; Up to SI | 60 days; Up to SI | 30 days; Up to SI |
| Post - Hospitalization | 180 days; Up to SI | 180 days; Up to SI | 60 days; Up to SI |
| Day Care Treatment | Up to SI | Up to SI | Up to SI |
| Domiciliary Hospitalization | 10% of SI | 10% of SI | 10% of SI |
| Road Ambulance | Up to SI | Up to SI | Up to SI |
| Donor Expenses | Covered up to the Sum Insured • Pre & Post Hospitalization expenses (Up to 30 days each) of the donor. • Cost towards donor screening once in a Policy year for successful transplant. • Complications arising during hospitalization or up to 30 days from date of discharge - Covered up to 25% of SI subject to maximum of ₹2 Lacs, Over and above SI. We will not cover expenses towards the Donor in respect of cost associated to the acquisition of the organ. |
Covered up to the Sum Insured • Pre & Post Hospitalization expenses (Up to 30 days each) of the donor. • Cost towards donor screening once in a Policy year for successful transplant. • Complications arising during hospitalization or up to 30 days from date of discharge - Covered up to 25% of SI subject to maximum of ₹2 Lacs, Over and above SI. We will not cover expenses towards the Donor in respect of cost associated to the acquisition of the organ. |
Up to SI |
| Restoration | Unlimited Restoration of Exhausted base Sum Insured for all Illnesses & Injury | Unlimited Restoration of Exhausted base Sum Insured for all Illnesses & Injury | Unlimited Restoration of Exhausted base Sum Insured for unrelated Illnesses |
| AYUSH Treatment | Up to SI | Up to SI | Up to SI |
| Air Ambulance Cover | Up to SI, subject to a maximum of ₹ 10Lacs | Up to SI, subject to a maximum of ₹ 10Lacs | Not Applicable |
| Bariatric Surgery Cover | Up to SI, subject to a maximum of ₹ 5Lacs Waiting Period: 36 months |
Up to SI, subject to a maximum of ₹ 5Lacs Waiting Period: 36 months |
Not Applicable |
| Outpatient Expenses | Not Applicable | Covered up to maximum of ₹ 20,000/30,000/50,000 per policy year, through cashless basis - Consultations, Prescribed diagnostics & pharmacy. A limit of up to 20% of the OPD limit shall apply on Pharmacy expenses. - |
Not Applicable |
| Convalescence Benefit | Not Applicable | Not Applicable | Lumpsum benefit of 30,000 per hospitalization of at least 10 consecutive days, applicable for base Sum Insured 5 Lacs and above |
| Daily Cash for Shared Accommodation | Per Hospitalization: For base Sum Insured up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600 For base Sum Insured above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000 Cover triggers post 48 hours of hospitalization and payable from 1st day |
Per Hospitalization: For base Sum Insured up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600 For base Sum Insured above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000 Cover triggers post 48 hours of hospitalization and payable from 1st day |
For base Sum Insured 5 Lacs to 10 Lacs: 800 per day up to maximum of 5,600 For base Sum Insured greater than 10 Lacs: 1,000 per day up to maximum of 7,000 |
| Health Check Up | Annually from 1st year onwards, for all adults insured. Limits / Test basis opted SI, offered through Network only. | Annually from 1st year onwards, for all adults insured. Limits / Test basis opted SI, offered through Network only. | Available once every 3rd Policy Year for those insured persons who have aged 18 years of or above at the start of a policy year |
| Domestic Second Opinion | Available for 36 listed Critical Illnesses | Available for 36 listed Critical Illnesses | Available for 36 listed Critical Illnesses |
| Tele- Consultation | Unlimited | Unlimited | Unlimited |
| Cumulative Bonus | Guaranteed Cumulative Bonus of 25% of Base Sum Insured each year accumulated up to 200% of Base Sum Insured, irrespective of claims | Guaranteed Cumulative Bonus of 25% of Base Sum Insured each year accumulated up to 200% of Base Sum Insured, irrespective of claims | Bonus of 10% per year, accumulated upto 100% of Base Sum Insured. |
| Switch Off Benefit | Switch off the cover after 1 year for a maximum period of 30 days and get discount in premium during subsequent renewal. | Switch off the cover after 1 year for a maximum period of 30 days and get discount in premium during subsequent renewal. | Not Applicable |
| Wellness Program | Earn rewards up to 20% of base premium through completing Healthy Life Management Program | Earn rewards up to 20% of base premium through completing Healthy Life Management Program | Earn rewards up to 15% of base premium through completing Condition Management Program |
| Premium Waiver benefit | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies |
| OPTIONAL PACKAGES | |||
| Enhance Plus | 1. Room Accommodation - upgrade to "Any Room" 2. Health Maintenance Benefit of up to ₹ 3000 per Policy Year 3. Maternity & New Born (Including 1st year vaccination expenses) - 10% of base SI per delivery subject to a maximum of ₹ 1Lac |
Not Applicable | Not Applicable |
| Enhance | Not Applicable | 1. Room Accommodation - upgrade to "Any Room" 2. Maternity & New Born (Including 1st year vaccination expenses) - 10% of base SI per delivery subject to a maximum of ₹ 1Lac Not Applicable |
Not Applicable |
| Freedom (Only for Indian Residents) | 1. Room Accommodation - upgrade to "Any Room" 2. Worldwide Emergency Hospitalization with Outpatient Cover (including Accidental Hospitalization) Up to SI; Over and above the Base SI |
1. Room Accommodation - upgrade to "Any Room" 2. Worldwide Emergency Hospitalization with Outpatient Cover (including Accidental Hospitalization) Up to SI; Over and above the Base SI |
Not Applicable |
| Assure (Applicable for ₹ 3Lacs/₹ 4Lacs & ₹ 5Lacs Sum Insured) | 1. Room rent - Up to 1% of base Sum Insured per day; ICU - Up to 2% of Sum Insured per day 2. Modern and Advanced Treatments - Covered up to 10% of base Sum Insured 3. Disease specific sub-limits applicable |
Not Applicable | Not Applicable |
| OPTIONAL COVERS | |||
| Non Medical Items (Non Payables) |
Up to base SI | Up to base SI | Up to base SI |
| Deductible | ₹ 10K or ₹ 25K | Not Applicable | Not Applicable |
| Infertility Treatment (Option available with Enhance / Enhance Plus - Optional Packages, Applicable if base SI>= ₹ 7.5lacs) |
Infertility treatment limited to IUI and/or IVF - Coverage up to ₹ 2.5Lacs, over and above the Maternity limit - Waiting period of 36 months |
Infertility treatment limited to IUI and/or IVF - Coverage up to ₹ 2.5Lacs, over and above the Maternity limit - Waiting period of 36 months |
|
| Personal Accident Cover | Get up to 2x base Sum Insured as a lump sum benefit in case of Accidental Death or Permanent Total Disability, max up to ₹50 Lakh. | Get up to 2x base Sum Insured as a lump sum benefit in case of Accidental Death or Permanent Total Disability, max up to ₹50 Lakh. | Not Applicable |
| Cumulative Bonus Booster (For base SI of 5 Lacs and above) |
50% of base SI per policy year, subject to a maximum of 200% of base SI | 50% of base SI per policy year, subject to a maximum of 200% of base SI | Not Applicable |
| Worldwide Accidental Emergency Hospitalization Cover | Not Applicable | Not Applicable | Up to SI; Over and above the Base SI |
| ManipalCigna Critical Illness Add On Cover (Critical Illness Benefit Rider) |
Any available SI options under Critical Illness Benefit Rider subject to the maximum of the Base SI | Any available SI options under Critical Illness Benefit Rider subject to the maximum of the Base SI | Not Applicable |
| ELIGIBILITY | |||
| Pre-Existing Diseases Waiting Period | Up to base SI ₹ 5Lacs - 36 months For base SI >= ₹ 7.5Lacs - 24 months |
Up to base SI ₹ 5Lacs - 36 months For base SI >= ₹ 7.5Lacs - 24 months |
90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia, Obesity related conditions For all other conditions - 24 months |
| Policy type | Individual / Multi Individual /Family Floater | Individual / Multi Individual /Family Floater | Individual / Multi Individual |
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.