*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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ManipalCigna ProHealth Prime Insurance is a comprehensive health insurance plan that offers coverage for ambulance service, hospitalization, OPD treatment, mental illness, HIV/ AIDS, domiciliary treatment, etc. to individuals and families. It also comes with several value-added covers, including annual health check-ups, premium waiver benefit, unlimited teleconsultation, cumulative bonus and domestic second opinion.
|Sum Insured||Rs 3 lakh to Rs 1 crore|
|Policy Tenure||1 year, 2 years, 3 years|
|Incurred Claim Ratio (2020-21)||61.13%|
|Pre-existing Diseases Waiting Period||91 days/ 24 months/ 36 months|
|Co-payment||10% (under Active plan only)|
|Discount||20% family discount
3% standing instruction discount
Up to 10% long term discount
Up to 20% wellness discount
Take a look at some of the most attractive benefits of a ManipalCigna ProHealth Prime Insurance plan:
Under this plan, the policy sum insured is restored to 100% every time a claim is raised and the full coverage amount is available for the next claim.
With this plan, all adult insured members are eligible for an annual health check-up at the network providers of the insurance company.
The insured can avail unlimited consultations with doctors in the insurance company’s network over the phone through calls or chats.
With this plan, the insured can avail discounts on diagnostic tests, pharmacy and health supplements taken through a network provider of the insurance company.
ManipalCigna Health Insurance Company will provide a daily cash allowance in case the insured opts to stay in a shared hospital room.
The insurance company grants a cumulative bonus of 25% for up to a maximum of 100% in case no claims are raised in the previous policy year. This bonus increases the policy sum insured without any increase in the premium amount.
In case the policyholder is diagnosed with any of the listed critical diseases or dies in an accident, then the insurance company will waive off the renewal premium for one year.
The policy comes with an option to avail second medical opinion from doctors within India once a year in case the insured is diagnosed with one of the 36 listed critical illnesses.
If the insured is hospitalized for 10 or more consecutive days, then the ManipalCigna Health Insurance Company will pay a lump sum amount to cover the loss of income.
This plan comes with an option to switch off the health insurance coverage for up to 30 days and earn a discount on renewal premiums in case the insured is travelling abroad.
Policyholders can earn rewards by opting for the Healthy Life Management Program offered by the insurance company and improving their health parameters, such as daily step count.
Here are the eligibility criteria to buy a ManipalCigna ProHealth Prime Insurance policy:
|Minimum Entry Age||Adult – 18 years
Child – 91 days
|Maximum Entry Age||Adult – No limit
Child – 25 years
|Coverage Type||Individual and family floater|
|Relationships Covered||Individual - Self, spouse, children, parents, siblings, parents-in-law, grandparents, son-in-law, daughter-in-law, uncle, aunt, niece and nephew
Family Floater – Self, spouse, children and parents
The ManipalCigna ProHealth Prime Insurance comes in three types:
ManipalCigna ProHealth Prime Insurance includes the following coverage:
The ManipalCigna ProHealth Prime Insurance plan comes with four optional packages:
ManipalCigna ProHealth Prime Insurance excludes the following coverage:
Check out the waiting periods under the ManipalCigna ProHealth Prime Insurance plan below:
|Pre-existing Diseases Waiting Period||90 days/24 months/36 months|
|Initial Waiting Period||30 days|
|Specific Illness Waiting Period||24 months|
|Bariatric Surgery||36 months|
|Maternity Expenses||36 months|
|Critical Illness Cover||90 days|
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