ProHealth Prime Advantage
Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna ProHealth Prime Advantage is a plan that covers OPD expenses like consultation, diagnosis and pharma. Apart from this, the plan gives you the freedom of choosing any room category at the time of hospitalisation, covers cashless non-medical expenses, and annual health check-ups from the first year of policy issuance irrespective of the claims you’ve raised previously in the same year.
ManipalCigna Prime Advantage plan by ManipalCigna Health Insurance Company is a subsidiary plan type under the ManipalCigna ProHealth Prime health plans. The other two plan variants under the ManipalCigna ProHealth Prime plan are- Prime Protect and Prime Active.
The plan covers relationships as:
For Individual plans: 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
For Family Floater plans: Self, spouse, children and parents. A floater cover can insure a maximum of 2 adults and 3 children under a single policy
The plan variant ManipalCigna ProHealth Prime Advantage promises to provide its policyholders with better coverage of escalation to OPD, and zero deductions towards non-medical expenses (nursing, consultation, diagnosis, drugs, etc). Furthermore, you can avail of the better control mechanism under this plan which says;
- You can avail of an unlimited restoration of the sum insured, up to 100% of the base SI.
- Get the freedom of switching off the policy for up to 30 days in a queue while you’re travelling abroad with a discount on the premium’s renewal.
- Waiver of premium for straight one year is another feature of this plan which states that you can waive off a year's premiums when diagnosed with a critical illness or in a case of accidental disability.
- The plan benefits don’t limit your room choice ever, as you can opt for any category of rooms, including suites, or above according to your choice/requirement.
Features of ManipalCigna ProHealth Prime Advantage Plan
This all-rounded health plan is not limited to just these benefits, here are other major benefits of the plan as well:
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Better care
It helps you get the optimum level of care under just one plan which is annual health check-ups from the 1st policy year, and wellness programs of which you can earn rewards up to 20% of the base premium on your next policy renewal. The wellness programs are all about pre-defined walking step limits that you have to cross to avail of the rewarding benefits on your next premium renewals.
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Base covers
Base coverage of the plan offers you benefits like - in-patient, out-patient, pre and post-hospitalisations, modern treatment, road ambulance, donor expenses, air ambulance, bariatric surgery, daycare procedures, domiciliary treatment, daily cash benefit on shared room accommodation, AYUSH treatment, and others.
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Value-added covers
The medical benefits under value-added covers get optimized to provide you with unmatched health support. These covers are capable of availing benefits like- domestic second opinion for up to 36 listed critical illnesses, unlimited teleconsultations, up to 200% of the cumulative bonus on SI, switch-off premium benefits, and wellness tracking benefits.
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Optional covers
The ProHealth Prime Advantage has an optional cover column that provides you with several amazing benefits including coverage for non-medical expenses up to SI, personal accident cover under which the insured gets the benefit of twice their plan’s SI (a subject to up to INR 50 Lakh) as a lump sum payout in case of an accidental death/disability/permanent partial disability (PPD)/etc. Additionally, an individual gets a deductible option which implies an aggregate of all the claims made during a policy year, cumulative bonus booster, infertility treatment cover, and so on. You can also opt for a critical illness add-on cover with the Prime Advantage plan.
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Optional packages
Optional packages are a bundle of additional benefits, if you feel you must attach an extended support to your base plan which goes beyond its coverage limit. Here are the options available with the Prime Advantage health plan of ManipalCigna:
| Package options |
Coverage benefits |
| Enhance |
Maternity expenses, newborn cover, 1-year vaccination charges, necessary medical termination of pregnancy, etc (covered up to two pregnancies in the whole lifetime, applicable at a rate of 10% SI on each of the two deliveries up to INR 1 Lakh. |
| Newborn care coverage under which any kind of delivery complications, and post-partum health support against any complications along with the baby’s healthcare up to 91 days from the day of delivery is borne by the insurer. |
| Room accommodation is a great convenience with this optional package as you get the freedom to opt for any category of room including suite, private room, etc according to your choice. |
| Freedom (only applicable to Indian residents) |
Opt for the best rooms for your best comfort during hospitalisation and treatment of a disease. |
| Worldwide emergency hospitalisation with an out-patient coverage benefit allows the insured to receive out-patient treatment in a situation of emergency outside India. |
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