A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care

Sum Insured: ₹ 3 Lacs - ₹ 1 Crore

A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care

Best suited for

Individual

Family

Multi Individual

Key Benefits

Covers your Non-Medical expenses

Allows you to choose "Any Room" category whether suite or above

Restores your Sum Insured unlimited times incase you are short of coverage for related/unrelated illnesses/injuries

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UIN: MCIHLIP22224V012122
Launch Date: 11-04-2022

Various Plans

ManipalCigna ProHealth Prime

is designed for better coverage, better control and better care.

ProHealth Prime Protect

Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs

Ped Waiting Period

Up to SI ₹ 5Lacs - 36 months;
SI>= ₹ 7.5Lacs - 24 months

Sum Insured

3Lacs - 1 Crore

Sum Insured

₹ 5 Lacs

2.5 Lacs

50 Lacs

PREMIUM PER ANNUM

12,010.04* inclusive of taxes

*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

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
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.

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 Advantage

Suitable for Individual & Families looking for a comprehensive Health Insurance with inbuilt OPD cover and is further customizable as per the additional needs

Ped Waiting Period

Up to SI ₹ 5Lacs - 36 months;
SI>= ₹ 7.5Lacs - 24 months

Sum Insured

5Lacs - 1 Crore

Sum Insured

₹ 5 Lacs

5 Lacs

1 Crore

PREMIUM PER ANNUM

9,783* inclusive of taxes

*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

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
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.

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

Comprehensive coverage from 91st day for those with existing listed health 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

3 Lacs

15 Lacs

PREMIUM PER ANNUM

10,727* inclusive of taxes

*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 claim-free 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 claim free 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
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.

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

Child - 17 days, Adult – 70 years

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.

Calculate Your Premium For ProHealth Prime Now

01/02

No of members to secure Age 18 & above is Adult

Adults
2
Kids
1

Date of Birth & Gender

X

Insured 01Age 00

Insured 02 Age 00

Insured 03 Age 00

Insured 04 Age 00

Insured 05 Age 00

Insured 06 Age 00

Insured 07 Age 00

Insured 08 Age 00

For adult, age should be between 18 and 120 years.

With Non medical expenses now covered get no surprises in your hospitalization bills and receive 100% of claim.

Switch off your cover when you won't be needing it, like while abroad, for a month & get a discount on the next premium.

No cap on room limit be it a Single AC room, suite or even above.

Unlimited Restoration of Sum Insured for Related and Unrelated illnesses.

Active Plan specifically made for people with pre-existing conditions like asthma, diabetes, hypertension, dyslipidemia, & obesity.

Plan Comparison

PLAN NAME ProHealth
Prime Protect
ProHealth
Prime Advantage
ProHealth
Prime Active
Sum Insured 3 Lacs - ₹ 100 Lacs 5 Lacs- ₹ 100 Lacs 3 Lacs- ₹ 15 Lacs
Room Accommodation Single Private AC Room
ICU: Up to SI
Single Private AC Room
ICU: Up to SI
SI =₹ 3Lacs: 1% of Base SI
SI>=₹ 5Lacs: Single Private AC Room
ICU: Up to SI
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 Up to SI Up to SI Up to SI
Restoration of Sum Insured Unlimited times for related/unrelated illnesses Unlimited times for related/unrelated illnesses Unlimited times for unrelated illnesses
AYUSH Treatment (In-patient Hospitalization) 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 For SI>=₹ 5 lacs: ₹ 30,000 for hospitalization >=10 days, to be paid as lump sum
Daily Cash for Shared Accommodation Per Hospitalization:
For SI up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600
For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000
Cover triggers post 48 hours of hospitalization and payable from 1st day
Per Hospitalization:
For SI up to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600
For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000
Cover triggers post 48 hours of hospitalization and payable from 1st day
Per Hospitalization:
For SI from ₹ 5 Lacs to ₹ 10 Lacs: ₹ 800 p.d. max ₹ 5600
For SI above ₹ 10 Lacs: ₹ 1000 p.d. max ₹ 7000
Cover triggers post 48 hours of hospitalization and payable from 1st day
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 only if Wellness Program is removed from the base plan. Applicable once every 3rd policy year. Available as optional cover.
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 SI each year subject to a max of 200% of the Base SI, irrespective of claims Guaranteed Cumulative Bonus of 25% of Base SI each year subject to a max of 200% of the Base SI, irrespective of claims Cumulative Bonus: 10% of the expiring Base SI for every claim free year subject to a maximum of 100% of Base SI
If a claim has been made in the immediately preceding Policy Year, the accumulated Bonus will get reduced by 10% of the expiring Base SI
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 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 SI per delivery subject to a maximum of ₹ 1Lac
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 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
Not Applicable Not Applicable
OPTIONAL COVERS
Non Medical Items
(Non Payables)
Up to SI as a part of Base SI offering Up to SI as a part of Base SI offering Up to SI as a part of Base SI offering
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 (Fixed Benefit) 2 times of SI subject to a maximum of ₹ 50Lacs 2 times of SI subject to a maximum of ₹ 50Lacs Not Applicable
Cumulative Bonus Booster
(For SI ₹ 5Lacs and above)
50% of SI per policy year, subject to a maximum of 200% of SI 50% of SI per policy year, subject to a maximum of 200% of 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
PED Waiting Period Up to SI ₹ 5Lacs - 36 months
For SI >= ₹ 7.5Lacs - 24 months
Up to SI ₹ 5Lacs - 36 months
For 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.

Other product with Hospitalisation Cover

Sum Insured upto ₹ 1 Lac - ₹ 30 Lacs

The added boost that keeps you covered above and beyond your health plan.

Best suited for

Individual

Individual

Family

Family

Multi Individual

Multi Individual

Key Benefits

PHI Key Benefits
Cashless treatment at 7500+ hospitals

Option to choose any room category
Option to choose any room category

All Day Care treatments covered
All Day Care treatments covered

ManipalCigna ProHealth Prime

Insurance coverage that pays for medical and surgical expenses that are incurred by the insured person during the treatment of a disease or injury. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

You can buy ProHealth Online by visiting our website www.manipalcigna.com

Under this policy, coverages are divided into Basic, Value added, Optional and Add-on.

The optional covers and Critical illness add-on can be opted by paying additional premium.

No, there is no exit age in this policy.

Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon. If Policy Term is more than 1 year then tax benefit can be taken for all the years separately as applicable.