ManipalCigna Prime Protect Plan
  • Customizable health benefits
  • High-value covers
  • Health reward discounts
premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

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ManipalCigna ProHealth Prime Protect Plan

"Your Health Deserves Better!" Get safeguarded with a health plan that bears an all-around healthcare facilitation for you.

ManipalCigna Prime Protect plan is a variant of the ManipalCigna ProHealth Prime health plan. The other two plan variants under the same are- Prime Advantage and Prime Active. There are options for individual, multi-individual, and family floater plan types, and the relationships that are covered under the Prime Protect insurance plan are:

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 base coverage of the Prime Protect plan variant 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, coverage enhancement with the value of sum insured restoration, and others.

This article has incorporated all the information you need about the eligibility criteria, waiting period, benefits, specifications, exclusions, and claim procedure attached to the ProHealth Prime Protect. Read further to know more about the plan.

Eligibility Criteria for Buying ManipalCigna ProHealth Prime Protect Plan

Entry Age

Child - 91 days - 25 Years

Adult Entry Age

Adult - 18 years- No Maximum Limit

Policy Term

1/2/3 Years

Plan Type

Individual/Family floater/Multi-individual

Sum Insured

INR 3 Lakhs - 1 Crore

Initial Waiting Period*

30 Days

*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

To know more about the plan, read the policy brochure provided below:

Benefits of Buying ManipalCigna ProHealth Prime Protect Plan

Read below to learn more details about the benefits of ManipalCigna Prime Protect health insurance plan:

  • Better Coverage

     This plan pays out for your OPD expenses that do not necessarily require getting hospitalised every time. Additionally, the insured is covered for medical and non-medical expenses and there are no deductions from your cover at all.

  • Better control

     The policy's base sum insured can be restored upto 100% to avail listed healthcare even after exhausting the initial SI (can be restored only after 2nd claim onwards). Switch Off benefit allows the policyholder to inactivate their policy for 30 days temporarily if they're visiting abroad. Additionally, if the insurer is diagnosed with a critical illness or an accidental death there is a waiver of the renewal premium option for 1 year. Also, there is an option to choose any room category be it a suite, single/private room, or any.

  • Value-added covers

    The medical benefits under the value-added covers of the Prime Protect plan are optimized to provide you with unparalleled health support. Benefits like a domestic second opinion for up to 36 listed critical illnesses, annual health check-ups, unlimited teleconsultations, etc are available.

  • Optional covers

     The ProHealth Prime Protect has an optional cover platform that provides the insured individuals with several coverage benefits for non-medical expenses (up to SI), personal accident cover upto twice their plan's SI (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 cumulative bonus booster, infertility treatment cover, a deductible option in the form of an aggregate of all the claims in a policy year, and more.

  • Optional packages

    This means additional benefits if you feel the plan is not upto your healthcare needs, supporting your base plan beyond its coverage limit. Optional packages with the ManipalCigna Prime Protect plan are:
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 covers any kind of delivery complications, and post-partum health support along with the baby's healthcare up to 91 days from the day of delivery is borne by the company.
Room accommodation benefits with this optional package give you the freedom to opt for any category of room including private room, suite, etc.
Health maintenance benefits will cover the cost of doctor's fees, lab diagnostic tests, drugs and medications, dental treatments and alternative medications upto a sum of INR 3,000 as reimbursement limit.
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.
Assure (only with plan's SI 3, 4, 5 Lakhs) Get room category coverage up to 1% of the SI per day and up to 2% of the SI in case of ICU.
Modern, advanced treatments are covered upto 10% of the sum insured by your Prime Protect policy.
There are certain illnesses that you can avail cover for upto a pre-decided sub-limit, regardless of that you can further customize the coverage limit as per your requirement.

Inclusions (What's Covered) of ManipalCigna ProHealth Prime Protect Plan

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered (optional)

New Born Baby Cover

Covered (optional)

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered (optional)

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not covered

Global Coverage

Available (with optional cover)

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered (optional)

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Available. Single, Private, AC rooms are covered.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered up to the SI

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered for up to 60 days before hospitalization upto SI

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered for up to 180 days after hospitalization upto SI

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered up to 10% of Sum Insured

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered upto the sum insured

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered with specified sub-limits

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Guaranteed bonus of 25% of base sum insured per policy year maximum up to 200% of base Sum Insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Unlimited restoration of the sum insured for unrelated/related illnesses. Applicable from 2nd claim onwards.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Available for shared accommodation.

  • For Sum Insured up to INR 10 Lakhs: INR 800 per day up to a maximum of INR 5,600
  • For Sum Insured > INR 10 Lakhs: INR 1,000 per day up to a maximum of INR 7,000
What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered upto SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Maternity (up to 2 deliveries in the lifetime) + New Born + 1st-year vaccination expenses - up to 10% of the Sum Insured; subject to a maximum of INR 1 Lakh

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered as per maternity cover

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered upto SI; subject to a maximum of INR 10 Lakhs; above the base sum insured

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Infertility Treatment (Option available with Enhance/Enhance Plus - Optional Packages)

  • Coverage for IUI and/or IVF, up to INR 2.5 Lakhs, over and above the maternity limit.
  • Maximum up to 2 successful procedures shall be covered during the lifetime of the insured
  • Applicable if base sum insured >=INR 7.5 Lacs
What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered

  • For Sum Insured < INR 5 Lakhs: 50% of sum insured
  • For Sum Insured >=INR 5 Lakhs: Up to sum insured
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered upto the SI

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered upto sum insured; subject to a maximum of INR 10 Lakhs; over and above the base sum insured

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Available (with optional cover)

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered, unlimited tele-consultations in a policy year

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Annually, from 1st year onwards as per your choice.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered once during a policy year for each of the 36 listed critical illnesses. Only domestic second opinions are available.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Covered. 1st-year vaccination expenses of the newborn - up to 10% of the SI; subject to a maximum of INR 1 Lakh.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under ManipalCigna ProHealth Prime Protect Plan

Applicable

Exclusions: ManipalCigna ProHealth Prime Protect?

ManipalCigna Prime Protect health insurance has distinct features and benefits. However, it comes with a set of exclusions or conditions that are not covered by the insurer. Make sure you read the terms & conditions carefully to avail full coverage of your Prime Protect policy.

Here are some of the standard exclusions of this plan for your reference:

Hazardous/adventure sports

Nuclear wars, defensive attacks, etc

Breach of the law

Alcoholism, drug, or substance abuse and cases arising due to the same

Unproven/experimental treatments

Suicidal actions or an attempt to commit suicide

Other exclusions are as per the specifications mentioned in the policy wording. Check thoroughly the same for more details

How to claim ManipalCigna Prime Protect?

To avail of claim settlement services, the insured individual must follow the process below:

  • Visit the official website of ManipalCigna Health Insurance
  • Click on the 'Claim' button on the header of the official website and go to the Raise a claim > Proceed to raise a claim
  • For claim intimation, the official website has a pre-authorized form that you can fill in with your date of birth, policy number and 'Submit'
  • Individuals can call the toll-free number 1800-102-4462 or email their details to customercare@manipalcigna.com and get their claim settlement procedure info.
  • Reach out to PolicyX.com for further assistance.

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network hospitals are present in 30 states across the country. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically protected, no matter which city you live in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Manipalcigna Network Hospital

Wrapping it up

ManipalCigna Prime Protect plan is a comprehensive health plan that offers extensive healthcare coverage. Better coverage, better control, and better care are the features of this plan that allow the insured individual to stay protected, both in terms of healthcare services and financial stability.

Want to know more? Contact our customer care executives on 1800 4200 269 or visit the official website of PolicyX.com.

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Explore other Manipal Cigna Health Plans

Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Individual/Family Plan

ManipalCigna ProHealth Prime Active

This is a tailor-made health insurance plan covering 36 listed critical illnesses and provides worldwide emergency hospitalization services.

Unique Features

  • Worldwide accidental emergency
  • 36 critical illnesses
  • Modern/advanced treatment

ProHealth Prime Active (Pros)

  • Pre-hospitalization
  • Post-hospitalization
  • Unlimited teleconsultations
  • Daily hospital cash
  • SI restoration benefit

ProHealth Prime Active (Cons)

  • Obesity/weight control
  • Change-of-gender treatments
  • Breach of law
  • Hazardous/adventure sports
  • Maternity not covered

ProHealth Prime Active (Other Benefits)

  • Lifelong renewability
  • Organ donor cover
  • Domiciliary hospitalization
  • Convalescence benefit

ProHealth Prime Active (Eligibility Criteria)

  • Entry Age (child) - 91 days-17 years
  • Entry Age (adult)- 18-65 Years
  • SI - 3-15 Lakhs
  • Waiting Period - 30 Days

Individual/Family Plan

ManipalCigna ProHealth Plus

This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

ProHealth Plus (Pros)

  • In-patient hospitalisation
  • 500+ daycare treatment
  • Domiciliary hospitalisation
  • Deductible options
  • Maternity coverage
  • Sum insured restoration
  • Health maintenance benefit

ProHealth Plus (Cons)

  • No online consultations
  • Cataract not covered
  • No room rent with base cover
  • COVID-19 care not covered
  • SI inadequate for family

ProHealth Plus (Other Benefits)

  • Individual & family floater planr
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

ProHealth Plus (Eligibility Criteria)

  • Entry age- 91 days- 18 years (child)
  • Entry age- 18 years - No Limit (Adult)
  • SI - 4.5 - 50 Lakhs
  • Waiting Period - Minimum 30 days

Comprehensive Plan

Manipal Cigna ProHealth Prime Advantage

The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

Manipal Cigna Prime Advantage (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

Manipal Cigna Prime Advantage (Cons)

  • COVID-19 care not covered
  • Adventure sport injuries not covered
  • Cosmetic treatment is not covered
  • Sub-limits not applicable

Manipal Cigna Prime Advantage (Other Benefits)

  • Individual, multi-individual & family plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH treatment cover

Manipal Cigna Prime Advantage (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 5 Lakhs - 1 Crore
  • Waiting Period - 30 days

Comprehensive Plan

ManipalCigna ProHealth Prime

A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.

Unique Features

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

Manipalcigna Lifetime

Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

Manipal Cigna Prime Senior

A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.

Unique Features

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Comprehensive Plan

Manipal Cigna Pro Health

A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.

Unique Features

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Super Top-up Plan

An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.

Unique Features

  • Affordable Health Plan
  • Up to 30 Lakhs SI
  • Beat Medical Care Inflation

ManipalCigna Super Top-up Plan (Pros)

  • Add On CI benefit
  • Up to 50% Cumulative Bonus
  • Donor Expenses Cover
  • Day Care Treatment Cover
  • Ambulance Cover

ManipalCigna Super Top-up Plan (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna Super Top-up Plan (Other Benefits)

  • Optional Covers Available
  • Add-on Covers Available
  • Non-medical expenses Cover
  • Opt for Any Room Category
  • Tax Benefits

ManipalCigna Super Top-up Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 30 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Pro Health Select

Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.

Unique Features

  • 2 Plan Variants Available
  • Avail Customized Features
  • Long Term Policy

Pro Health Select (Pros)

  • Reassurance Benefits
  • High SI Up to 25 Lakhs
  • Tax Benefits
  • 171 Day Care Procedures
  • Ambulance Cover

Pro Health Select (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Pro Health Select (Other Benefits)

  • Premium Waiver Option
  • Long Term Policy
  • Restoration Benefit
  • Health Reward Points
  • AYUSH Cover

Pro Health Select (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 25 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

Manipal Cigna Secure Health

The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.

Unique Features

  • Affordable Premiums
  • AYUSH Treatments
  • Day Care Procedures

Manipal Cigna Secure Health (Pros)

  • Modern Treatments Covered
  • Road Ambulance Covered
  • Cataract Cover
  • Emergency Ambulance
  • Pre and Post Hospitalization

Manipal Cigna Secure Health (Cons)

  • 48 Months PED Waiting Period
  • Injuries due to unlawful activities
  • Obesity
  • Injuries due to illegal activities
  • Dental Treatment

Manipal Cigna Secure Health (Other Benefits)

  • Tax Benefits
  • Flexible-Premium Payments
  • Multiple Discounts
  • Portable Policy
  • Renewable Policy

Manipal Cigna Secure Health (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 & 5 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna ProHealth Cash

A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.

Unique Features

  • 2 Plan Variants Available
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit

ManipalCigna ProHealth Cash (Pros)

  • Daily Cash Benefits
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Individual and Family Floater
  • 1/2/3 Policy Years

ManipalCigna ProHealth Cash (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna ProHealth Cash (Other Benefits)

  • Up to 10% long-term discount
  • 10% Family Discount
  • Critical Illness Add-On
  • Online Wellness Program
  • 15 Day free-Look Period

ManipalCigna ProHealth Cash (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 500 to 5000 Per day
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable standard health insurance plan for individuals and family members with up to 10 L SI.

Unique Features

  • Affordable Health Coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Arogya Sanjeevani Policy (Pros)

  • Allopathic & AYUSH Cover
  • Cashless Hospitalization
  • Tax Benefits
  • Multiple Discounts
  • Up to 50% Cumulative Bonus

Arogya Sanjeevani Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Pre & Post Hospitalization
  • Road Ambulance Cover
  • 15-Day Free-Look Period
  • Up to 10 L SI
  • 30-Day Grace Period

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 50k to 10 Lakhs
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.

Unique Features

  • SI up to 10 Crores
  • Tax Benefits
  • Pre & Post Hospitalization Cover

Lifestyle Protection Accident Care (Pros)

  • Funeral Expenses Covered
  • Accidental Death Covered
  • Emergency Ambulance Covered
  • 3 Plan Variants
  • Orphan Benefit Covered

Lifestyle Protection Accident Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Accident Care (Other Benefits)

  • Education Fund Cover
  • Burn Benefit Cover
  • Permanent Disablement Cover
  • Partial Disablement Cover
  • Loss of Employment Cover

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 80 Years
  • SI - 50k to 10 Crores
  • Waiting Period - 30 Days

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.

Unique Features

  • Up to 30 CI Covered
  • Avail Online Wellness Program
  • 2 Plan Variants Available

Lifestyle Protection Critical Care (Pros)

  • High Sum Insured
  • Medical Second Opinion
  • Premium Installments Available
  • Avail Multiple Discounts
  • Tax Benefits

Lifestyle Protection Critical Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Critical Care (Other Benefits)

  • Lump Sum Or Staggered Payouts
  • Global Plan
  • Cancer Cover
  • Bone Marrow Transplant
  • Deafness Cover

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 Crore
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Saral Suraksha Bima (Pros)

  • Up to 50% Cumulative Bonus
  • Add-On Cover
  • Individual & Family Cover
  • Flexible-Premium Payment
  • Up to 1 Crore SI

Saral Suraksha Bima (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Saral Suraksha Bima (Other Benefits)

  • Hospitalization Expense Cover
  • Education Grant
  • 3% Online Renewal Discount
  • 15% Family Discount
  • 10% Worksite Discount

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Crore
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Pro Health Group

A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.

Unique Features

  • Customizable Plan
  • 42 Optional Covers
  • Personal Accident Cover

Pro Health Group (Pros)

  • Avail hospitalization cover
  • Inpatient Hospitalization
  • Day Care Cover
  • Pre & Post Hospitalization
  • Road Ambulance

Pro Health Group (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Pro Health Group (Other Benefits)

  • Donor Expenses Cover
  • AYUSH Treatment Cover
  • Daily Cash Benefits
  • Critical Illness Cover
  • Personal Accident Cover

Pro Health Group (Eligibility Criteria)

  • Entry Age - No Limit
  • Max Entry Age - No Limit
  • SI - 5k to 1 Crore
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.

Unique Features

  • Flexible Base and Optional Covers
  • 36 CI Covered
  • Cancer-only coverage available

Lifestyle Protection Group Policy (Pros)

  • Accidental Death Benefit
  • Permanent Total Disability Benefit
  • Multiple Optional Benefits
  • Partial Disability Benefit
  • Temporary Total Disability Benefit

Lifestyle Protection Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Lifestyle Protection Group Policy (Other Benefits)

  • Survival Period Waiver
  • Emergency Road Ambulance
  • Hospital Cash Benefit
  • Family Counselling
  • Medical Second Opinion

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 75 Years
  • SI - Up to 50 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.

Unique Features

  • Wellness Program
  • Customizable Cover
  • Home Care Benefit

FlexiCare Group Policy (Pros)

  • EMI Protection
  • Pay-out Options Available
  • Domestic Travel Cover
  • Premium Waiver
  • Cost Effective Plan

FlexiCare Group Policy (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

FlexiCare Group Policy (Other Benefits)

  • Surgery Cover
  • Day Care Cover
  • OPD Cover
  • Home Care Cover
  • Income Protection

(Eligibility Criteria)

  • Entry Age - No limit
  • Max Entry Age - No limit
  • SI - Up to 5 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.

Unique Features

  • Customizable Plan
  • Travel Expense Cover
  • Avail adventure sports cover

Group Overseas Travel (Pros)

  • Loss of Baggage Cover
  • Hijack Cover
  • OPD Cover
  • Easy Plan Management
  • 24/7 Toll-Free Assistance

Group Overseas Travel (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Group Overseas Travel (Other Benefits)

  • Medical Expenses Cover
  • Travel Inconvenience Cover
  • Travel Personal Accident Cover
  • 51 Optional Covers
  • Cruise Cover

Group Overseas Travel (Eligibility Criteria)

  • Entry Age - 0 Days
  • Max Entry Age - 95 Years
  • SI - Up to $ 50 Lac
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.

Unique Features

  • Avail Global Health Care
  • Wellness Program
  • Multiple Optional Covers

Global Health Group Policy (Pros)

  • Outpatient Benefits
  • In-patient Hospitalization
  • Day Care Cover
  • Maternity Cover
  • New Born Cover

Global Health Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Global Health Group Policy (Other Benefits)

  • Dental Cover
  • Vision Cover
  • Travel Vaccination Cover
  • Cancer Cover
  • Psychological Care

Global Health Group Policy (Eligibility Criteria)

  • Entry Age - Day 1
  • Max Entry Age - 95 Years
  • SI - $ 10 Million
  • Waiting Period - 30 Days

ManipalCigna ProHealth Prime Protect Plan: FAQs

1. What is the maximum age limit for buying the ManipalCigna Prime Protect plan?

There is no maximum age limit for buying the plan for anyone.

2. What are the sum insured options available under the Prime Protect health insurance plan?

The minimum to maximum sum insured option of this plan is INR 3 Lakhs to 1 Crore respectively.

3. How can I buy the ManipalCigna Prime Protect health plan?

You can either buy this plan from the official website of ManipalCigna General Insurance or you can reach out to PolicyX.com to purchase and get guidance throughout the buying, renewal and claim process.

4. Is there a waiting period for pre-existing conditions under the Prime Protect plan?

Yes, read the following waiting period options of the plan for PEDs:

  • The sum insured up to INR 5 Lakhs- 36 Months
  • The sum insured of INR 7.5 Lakhs and above- 24 Months

5. What is the switch-off benefit of the ManipalCigna Prime Protect plan?

The policyholder can switch off their health insurance for up to 30 days while travelling abroad and get a discount on the renewal premium.

6. Can I avail of tax benefits under the Prime Protect plan?

All the premiums that policyholders have paid towards the ManipalCigna Prime Protect Plan are eligible for tax benefits under Section 80D of the Income Tax Act of India.

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ManipalCigna Health Insurance Review

Read what customers have to say about ManipalCigna health Plan.

Customer Review Image

Parag Mehta

Jamshedpur

May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

Customer Review Image

Anshul Garg

Vishakapatnam

May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

Customer Review Image

Shivalika Varghese

Delhi

May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar

Kolkata

May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge

Nagpur

May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Pragh Aggrawal

Bhopal

April 8, 2024

I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.

Customer Review Image

Siddhant Tomar

Pune

April 8, 2024

ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...

Customer Review Image

Pakhi Rajawat

Pune

April 8, 2024

Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.

View All ManipalCigna Health Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.

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