Manipal Cigna Pro Health Prime Plan: Cover Your Non Medical Expense

Why Choose Manipal Cigna ProHealth Prime Plan

A comprehensive health insurance plan, ManipalCigna ProHealth Prime Insurance, covers ambulance service, hospitalisation, outpatient treatment, mental illness, HIV/AIDS, and home health care. Furthermore, the plan offers several additional benefits, including annual health checks, waiver of premiums, unlimited teleconsultations, cumulative bonuses, and domestic second opinions.

Benefits of Manipal Cigna ProHealth Prime Plan

It is possible to restore the insured sum indefinitely - The full sum insured is restored after each claim under this plan, so that the next claim can be filed with a full policy sum.
Checkups on a regular basis - The insurance company's network providers are eligible to perform an annual health check-up for all adult insured members.
Teleconsultation without limits - Over the phone, the insured can consult with doctors in the insurance company's network in an unlimited number of consultations.
Network provider discounts - A network provider of the insurance company offers this plan with discounts on diagnostic tests, pharmacy items, and health supplements.
Shared accommodation cash on a daily basis - If the insured chooses to stay in a shared hospital room, the company will provide a daily cash allowance.
Bonuses accumulated over time - No claims raised in the previous policy year lead to a cumulative bonus of 25% up to 100%. As a result, the policy sum insured increases without any increase in premiums.
Benefit of Premium Waiver - One year's renewal premium will be waived if a policyholder is diagnosed with one of the listed critical diseases or dies in an accident.
A second opinion on a domestic issue - If the insured is diagnosed with one of the 36 listed critical illnesses, the policy offers the option of a second medical opinion once a year.
Recuperation Benefits - During a hospitalisation that lasts more than 10 consecutive days, ManipalCigna Health Insurance Company will pay a lump sum amount to cover the insured's lost income.
Offset benefit - In case of an international trip, the insured can opt out of the health insurance coverage for up to 30 days and earn a discount on renewal premiums.
Program for promoting wellness - Healthy Life Management Programs offered by health insurance companies offer rewards to policyholders who improve their health parameters, like the number of steps they take each day.

Inclusions of Manipal Cigna ProHealth Prime Plan

Hospitalisation as an inpatient
Under Advantage plans, outpatient expenses are covered
Treatments that are modern and advanced
Illnesses of the mind
STDs and HIV/AIDS
The Prehospital Period
The Post-Hospital Period
Expenses associated with donors
Treatments in a day care centre
Hospitalisation at home
Ayurvedic Treatment
Ambulance on the road
Inactive plans do not cover air ambulances
Active plans do not cover bariatric surgery.
Under , Active plans, you can receive a convalescence benefit.

Exclusions of Manipal Cigna ProHealth Prime Plan

Treatment at the dentist
Treatment for obesity
Congenital anomalies external to the body
Costs associated with donor screening
Substance abuse or alcoholism treatment
Surgery for cosmetic or plastic reasons

FAQ

ManipalCigna ProHealth Prime Insurance covers which pre-existing diseases after 90 days?

After a waiting period of 90 days, the Manipal Cigna ProHealth Prime Insurance policy covers the following pre-existing diseases:

Having diabetes
High blood pressure
Inflammatory bronchitis
Weight gain
Diabetic dyslipidemia

Is Manipal Cigna ProHealth Prime Insurance plan capable of covering pre hospitalisation and post hospitalisation expenses?

Yes, that's correct. It covers pre-hospitalization costs and post-hospitalization costs as part of its ProHealth Prime insurance plan. The Protect and Advantage plans cover costs associated with pre-hospitalization and post-hospitalization for 60 days and 180 days, respectively. Active plan members are covered for 30 days and 60 days of pre- and post-hospitalization expenses.

Is it possible for children to take advantage of Manipal Cigna ProHealth Prime Insurance's annual check-up benefit?

No, it isn't. Under the Manipal Cigna ProHealth Prime Insurance policy, the annual health check-up benefit is only available to adult insured members.

Under the Manipal Cigna ProHealth Prime Insurance plan, who is eligible for the Cumulative Bonus Booster benefit?

5 lakh sum insured and above can opt for the cumulative bonus booster benefit in this plan.

Is it possible to pay my Manipal Cigna ProHealth Prime Insurance premium in instalments?

Yes, of course. With Manipal Cigna ProHealth Insurance, you can pay your premiums on an annual, semi-annual, quarterly, or monthly basis.

Download Brochure