ManipalCigna ProHealth Prime Insurance

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.

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ManipalCigna ProHealth Prime Insurance

*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: Key Highlights

    Categories Specifications
    Sum Insured Rs 3 lakh to Rs 1 crore
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 7600+
    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

    Benefits of ManipalCigna ProHealth Prime Insurance

    Take a look at some of the most attractive benefits of a ManipalCigna ProHealth Prime Insurance plan:

    Unlimited Restoration of Sum Insured

    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.

    Annual Health Check-up

    With this plan, all adult insured members are eligible for an annual health check-up at the network providers of the insurance company.

    Unlimited Tele-Consultation

    The insured can avail unlimited consultations with doctors in the insurance company’s network over the phone through calls or chats. 

    Discounts from Network Providers

    With this plan, the insured can avail discounts on diagnostic tests, pharmacy and health supplements taken through a network provider of the insurance company.

    Daily Cash for Shared Accommodation

    ManipalCigna Health Insurance Company will provide a daily cash allowance in case the insured opts to stay in a shared hospital room. 

    Cumulative Bonus

    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. 

    Premium Waiver Benefit

    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.

    Domestic Second Opinion

    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.

    Convalescence Benefit

    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.

    Switch Off Benefit

    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.

    Wellness Program

    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.

    ManipalCigna ProHealth Prime Insurance Eligibility Criteria

    Here are the eligibility criteria to buy a ManipalCigna ProHealth Prime Insurance policy:

    Parameters Eligibility Criteria
    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
    Renewability Lifetime

    Types of ManipalCigna ProHealth Prime Insurance Plan

    The ManipalCigna ProHealth Prime Insurance comes in three types:

    • Protect Plan – The Protect plan is available with sum insured options of Rs 3 lakh to Rs 1 crore.
    • Advantage Plan – The Advantage plan comes with a sum insured option ranging from Rs 5 lakh to Rs 1 crore.
    • Active Plan – The Active plan offers a sum insured option ranging from Rs 3 lakh to Rs 15 lakh.

    Inclusions of ManipalCigna ProHealth Prime Insurance

    ManipalCigna ProHealth Prime Insurance includes the following coverage:

    • In-patient Hospitalization
    • Outpatient Expenses (Available under Advantage plans)
    • Modern & Advanced Treatments
    • Mental Illness
    • HIV/AIDS and STD
    • Pre-Hospitalization
    • Post-Hospitalization
    • Donor Expenses
    • Day Care Treatments
    • Domiciliary Hospitalization
    • AYUSH Treatment
    • Road Ambulance
    • Air Ambulance (Excluded under Active plans)
    • Bariatric Surgery (Excluded under Active plans)
    • Convalescence Benefit (Available under Active plans)

    Optional Covers:

    • Non-Medical Items
    • Deductible (Available under Protect plans)
    • Infertility Treatment (Excluded under Active plans)
    • Personal Accident Cover (Excluded under Active plans)
    • Cumulative Bonus Booster (Excluded under Active plans)
    • Health Check-up (Available under Active plans)
    • Worldwide Accidental Emergency Hospitalization (Available under Active plans)
    • Critical Illness Add-on Cover (Excluded under Active plans)

    Optional Packages:

    The ManipalCigna ProHealth Prime Insurance plan comes with four optional packages:

    Enhance Plus: (Under Protect Plans)

    • Room Accommodation Upgrade
    • Health Maintenance Benefit
    • Maternity Expenses + New Born Baby Expenses

    Assure: (Under Protect Plans)

    • Room Accommodation Limit
    • Disease Specific Sub-limits
    • Capping on Modern & Advanced Treatments

    Enhance: (Under Advantage Plans)

    • Room Accommodation Upgrade
    • Maternity Expenses + New Born Baby Expenses

    Freedom: (Under Protect and Advantage Plans)

    • Room Accommodation Upgrade
    • Worldwide Emergency Hospitalization with Outpatient Cover

    Exclusions of ManipalCigna ProHealth Prime Insurance

    ManipalCigna ProHealth Prime Insurance excludes the following coverage:

    • Dental treatment
    • Obesity-related treatment
    • External congenital anomaly
    • Donor screening cost
    • Treatment for alcoholism or substance abuse 
    • Cosmetic or plastic surgery

    ManipalCigna ProHealth Prime Insurance Waiting Periods

    Check out the waiting periods under the ManipalCigna ProHealth Prime Insurance plan below:

    Category Waiting Period
    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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