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Relationship like Self, lawfully wedded spouse, son , daughter, father & mothers get covered on individual & family floater basis. Extended family members can also get covered on Individual basis for more details refer T&C OKAY, GOT IT  

Relationship like Self, lawfully wedded spouse, son , daughter, father & mothers get covered on individual & family floater basis. Extended family members can also get covered on Individual basis for more details refer T&C OKAY, GOT IT  

Select gender and age

A regular health insurance policy has a Sum Insured limit, beyond which it does not cover any medical expenses. This is when a Super Top Up policy is useful, it becomes effective soon after the Sum Insured from an existing health plan is exhausted/ insufficient to settle claim. It is a back up to existing medical insurance.OKAY, GOT IT  

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Sum Insured ₹ 2.5 Lacs - ₹ 1 Crore

A comprehensive hospitalization plan for you and your family

Best suited for





Multi Individual

Multi Individual

Key Benefits

Cashless treatment at 7500+ hospitals

Guaranteed cumulative bonus up to 200% of SI

Tax saving benefits under Sec 80D, IT Act

Coverage upto Rs. 1 Crore

We have a wide range of Sum Insured starting from Rs. 2.5 Lacs till Rs. 1 Crore. Choose the Sum Insured according to your needs and preferences.

No maximum entry age restriction

There is no maximum entry age limit to buy ManipalCigna ProHealth Insurance plans. A child aged 91 days onwards can be covered under the policy and for an adult the minimum entry age is 18 years. It is best advised that you start early, pay less & get more benefits.

Age Limit:

Adults Children
18 Years or Above 91 days to 23 years under floater Policy
(Children beyond 23 years can be covered under an individual policy)

Pre-Hospitalization coverage

You may incur some expenses before you are hospitalized, like doctors fees, pharmacy-related expenses, or diagnostic tests. All such costs will be covered by us for up to 60 days (in all ProHealth plans) before your hospitalization.

Post-Hospitalization coverage

After you get home from the hospital, there are still many expenses to be taken care of, like consultation fees, diagnostic tests, pharmacy-related costs among other things. We will cover such expenses related to your hospitalization up to 90/180 days (as per plan) after your discharge.

In-patient Hospitalization

We pay for room charges, intensive care unit charges, doctor's fee, diagnostic tests, medications, blood, oxygen, operation theater charges, etc. if you get admitted to a hospital for in-patient care, for more than 24 consecutive hours. We will also cover the hospitalization expenses towards artificial life maintenance, listed modern treatments and HIV/AIDS.

Restoration of Sum Insured (Any number of times)

In case the Sum Insured inclusive of earned cumulative bonus (if any) or Cumulative Bonus Booster (if opted & earned) is insufficient due to claims paid or accepted as payable during the policy year, then we will restore 100% of the Sum Insured for any number of times in a policy year. Restoration is available for unrelated illness, injury.

Day Care Treatment (Hospitalization less than 24 Hours)

Treatments such as operations on the eyes, ligament tear, chemotherapy, Haemodialysis etc require you to stay hospitalized for less than 24 hours. We cover 546 such day-care treatments

Cumulative Bonus

You shall get guaranteed cumulative bonus (Upto 200% of Sum Insured). While no claim bonus only increases the sum insured for every claim-free year, guaranteed cumulative bonus is available irrespective of any claims. The Sum Insured increases every year by 5/10% (as per plan). eg If you take a ProHealth Plus Plan of 5,50,000 Lakhs, sum insured shall increase by Rs.55,000(10%) every year.

Health Maintenance Benefit (For Out-patient Medical Expenses and more)

We cover expenses incurred by you on Diagnostic tests, drugs, medical aids such as spectacles, contact lenses, walker etc. under Health Maintenance Benefit. Coverage shall depend on plan taken. To know more about about the coverage and limits associated with each plan, kindly refer the brochure


We want you to avail the treatment of your choice. Hence, our ProHealth plans also support alternate treatments including Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

Health Check-Up

We will provide for a comprehensive Health Check-Up as listed in the eligibility table in policy T&C, to all Insured Persons who are 18 years of age irrespective of claim status.
For Protect & Accumulate plan – Available once every 3rd Policy year.
For Plus, Preferred and Premier Plan – Available once each year, excluding the first policy year.

Ambulance Cover

Medical emergencies can happen anytime. So, we cover expenses incurred for transportation by an ambulance service provider to the hospital for treatment. The coverage limit shall depend upon the plan taken by you.

Healthy Rewards

Step into Health & Savings with ManipalCigna. Earn reward points by opting for an array of Our wellness programs. Points can be redeemed as below:

  • Against payable premium including taxes from 1st renewal and onwards.
  • Get the equivalent value of Health Maintenance Benefit anytime in the policy.
  • Equivalent value while availing services through any of our network providers

Discounts Available

Family Discount:  Upto 25%(as per plan) off on covering 2 and more family members under single Individual insurance policy.

Long Term Discount: 7.5% Discount on 2 years policy and 10% Discount on 3 years policy.

Voluntary Co-pay Discount A discount of 7.5% for opting 10% Co-pay and a discount of 15% for opting a 20% Co-pay on the Policy in case of Protect & Plus Plan. A discount of 5% for opting 10% Co-pay and 10% for opting 20% Co-pay on the Policy in case of Accumulate Plan.

Why ManipalCigna

Waiting Period

We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following. All waiting periods shall be applicable individually for each Insured Person and claims shall be assessed accordingly.

Pre-existing Disease

Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of applicable months (24 months for Preferred, Premier plan /36 months for Plus, Accumulate plan/48 months for Protect plan) of continuous coverage after the date of inception of the first policy with us.

30 Days Waiting Period

i. Expenses related to the treatment of any illness within 30 days of continuous coverage from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
ii. This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months.
iii. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently

Specified disease/procedure Waiting Period

Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.

Maternity Waiting Period

A 48 months of waiting period will be applicable for Maternity, New Born and First year Vaccination expenses (Except where Reduction in Maternity Waiting is opted which reduces the waiting period from 48 months to 24 months from the date of inception of first Policy with us under this benefit. This benefit can be opted by paying additional one time premium).

Claims Process

For any queries related to claims, kindly connect with us at 1800-419-1159(toll-free number) or send an e-mail to us at

For more information on hospital network Click Here

For accessing claims forms



In case of an Individual policy, each Insured person under the policy will have a separate sum insured for them. Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, uncle, aunty, nephew & niece.

In case of a floater cover, one family will share a single sum insured as opted. A floater plan can cover self, lawfully wedded spouse, children upto the age of 23 years or parents. A floater cover can cover a maximum of 2 adults and 3 children under a single policy.

You can buy the policy for one, two or three continuous years at the option of the Insured. One Policy Year shall mean a period of one year from the inception date of the policy.

No, as per the guidelines of ManipalCigna ProHealth Insurance, medical check up shall be required only if:

  • any insured member covered is greater than 55 years
  • Or sum insured >50 lakh.
  • Insured member >45 years and upto 55 years will undergo an underwriting call and medicals (if required) will be scheduled.

Medical check-up depends upon the disease declared, age of insured person and Sum Insured. Pre-policy medical check-up typically has Medical Examination Report by the Physician, few blood & Urine tests & ECG. Additional test like TMT, 2D echo, Sonography etc can also be part of the PPC check up list depending on the health status, Sum insured and age of the customer.

Pre-existing waiting period for ManipalCigna ProHealth Insurance Plan is 48/36/24 months (as per plan). That means, your pre-existing diseases declared at the time of policy purchase will be covered after 4/3/2 years subject to continuous renewals.

You can port your existing health insurance policy to ProHealth. The below supporting documents will be required:

  • Portability Form
  • Proposal Form
  • Previous insurance policy copies of last 4 years

You are eligible for upto 25% (as per plan)off on single Individual insurance policy when you cover 2 or more members under it. Additionally, you can avail long term discount of 7.5% & 10% when you choose a 2 years or 3 years policy term respectively.

A compulsory co-payment of 20% is applicable on all claims for Insured Persons aged 65 years and above irrespective of the age of entry in to the Policy. Co-pay will be applied on the admissible claim amount. For persons who have opted for a Waiver of Mandatory Co-pay the same will not apply. In case the Insured has selected the Voluntary co-pay under Optional Cover and/or chooses to avail treatment outside his Zone of Cover, then the co-pay percentages will apply in conjunction.