Inflation Proof: Get guaranteed Cumulative Bonus up to 200% of Sum Insured
More Coverage: Get 100% Restoration of Sum Insured
Cashless Treatment: Get Cashless Treatment at 8500+ Network Hospitals
Tax Saving: Get Tax Benefit u/s 80D of 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.
|18 Years or Above||91 days to 23 years under floater Policy
(Children beyond 23 years can be covered under an individual policy)
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.
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.
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
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.
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.
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.
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
|Sum Insured||2.5 - ₹ 50 Lacs||4.5 - ₹ 50 Lacs||15 - ₹ 50 Lacs||1 Crore||5.5 - ₹ 50 Lacs|
|Hospital Daily Cash Benefits
|Cumulative Bonus Booster
|25% increase in sum insured per year||25% increase in sum insured per year||25% increase in sum insured per year||N.A.||25% increase in sum insured per year|
|Reduction in Maternity Waiting
|N.A.||Reduced from 48 to 24 months||Reduced from 48 to 24 months||Reduced from 48 to 24 months||N.A.|
|1 - ₹ 10 Lacs||1 - ₹ 10 Lacs||N.A.||N.A.||0.5 - ₹ 10 Lacs|
|10% or 20%||10% or 20%||N.A.||N.A.||10% or 20%|
|Waiver of Mandatory Co-pay [Optional Cover]||20% for people aged 65 years and above||20% for people aged 65 years and above||20% for people aged 65 years and above||20% for people aged 65 years and above||20% for people aged 65 years and above|
|Cumulative Bonus||Gauranteed 5% Max up to 200%||Gauranteed 10% Max up to 200%||Gauranteed 10% Max up to 200%||Gauranteed 10% Max up to 200%||Gauranteed 5% Max up to 200%|
|Health Checkup (for all insured aged 18 years & above)||Available once every 3rd policy year||Available each policy year (excluding the 1st year)||Available each policy year (excluding the 1st year)||Available each policy year (excluding the 1st year)||Available once every 3rd policy year|
|Maternity Expense||N.A.||15,000 for normal ₹ 25,000 for C Section||50,000 for normal ₹ 1 Lacs for C Section||1 for normal ₹ 2 Lacs for C Section||N.A.|
|New Born Baby Expenses||N.A.||Covered with Maternity expense||Covered with Maternity expense||Covered with Maternity expense||N.A.|
|Ambulance Expense||Upto 2000 per event||Upto 3000 per event||Actual expenses per event||Actual expenses per event||Upto 2000 per event|
Family Discount: of 25% for Protect and Plus Plans and 10% for Preferred, Premier and Accumulate Plans covering 2 and more family members under the same individual policy.
Long Term Discount: 7.5% on opting for a 2 year and 10% on opting for a 3 year single policy term.
Co-pay Discount of 7.5% for opting 10% Co-pay and 15% for opting a 20% Co-pay on the Policy in case of Protect and 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.
Worldwide emergency cover
- Medical emergencies do not recognize locations. Hence, we cover medical expenses incurred during the policy year for emergency treatments for an illness or injury sustained or contracted outside of India
Wide Payment Options
- We support debit cards, credit cards, NetBanking , UPI & wallets.
Awarded Best Health Insurance Co. 2019
- ManipalCigna has been awarded as Best Health Insurance Company of the Year at the India Insurance Summit & Awards 2019.
- Health emergencies may strike anytime. Thats why we have a dedicated customer support for all assistance that you need.
Free look cancellation
- We know your need to try something before you trust it. A period of 15 days from the receipt of the policy document is available to review the terms and conditions of this policy. You can choose to cancel the policy by stating the reason for cancellation. If there are no claims in the policy, we will refund the premium paid.
Income Tax benefit
- In addition to health protection, you can also claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy. For premiums paid in cash, tax benefit u/s 80D shall not be applicable. Please consult your tax advisor for more details.
- Renewals will be available for lifetime.
Waiting Period is the time period for which insured is required to wait before getting the insurance benefits from the date of issue of the health insurance policy.
All waiting periods shall be applicable individually for each Insured Person and claims shall be assessed accordingly. 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.
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).
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 email@example.com.
Things to keep in mind while raising a claim
- You must Intimate and submit a claim in accordance with the Claim Process defined in the Policy.
- You must follow the advice provided by a Medical Practitioner.
- You must upon Our request, submit Yourself for a medical examination by Our nominated Medical Practitioner as often as We consider reasonable and necessary. The cost of such examination will be borne by Us.
- Provide Us with complete documentation and information that We have requested to establish admissibility of the claim, its circumstances and its quantum under the provisions of the Policy.
Nice to know that ManipalCigna is conscious about my health. I am totally satisfied with your benefited messages and hope in future also give guidance. Also doing good...
NEW DELHI, INDIA
Best service! ManipalCigna service was quick. Whatever requirement was needed during claims was completed quickly and everyone was very co-operative. My experience is best...
Thank you very very much! I would like to give ManipalCigna team 5 stars as they answered my queries patiently and I admire the manner in which the customer representative spoke to me.
What do you mean by individual policy?
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.
What do you mean by Family Floater policy?
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.
What are the policy period options for ManipalCigna ProHealth Insurance Plan?
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.
Is a medical check up necessary for buying a 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.
What are the medical tests I have to undergo, if my age is 56?
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.
What is the pre-existing waiting period for ManipalCigna ProHealth Insurance plans?
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.
What are the documents required for Portability?
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
Is there any discount available on ManipalCigna ProHealth Insurance?
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.
What is mandatory co-pay?
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.