Health Insurance

There is no maximum entry age limit to buy ManipalCigna ProHealth Insurance plans. A child aged 91 days onwards can be covered under the policy and for an adult the minimum entry age is 18 years. It is best advised that you start early, pay less & get more benefits.

You may incur some expenses before you are hospitalized, like doctors fees, pharmacy-related expenses, or diagnostic tests. All such costs will be covered by us for up to 60 days (in all ProHealth plans) before your hospitalization.

After you get home from the hospital, there are still many expenses to be taken care of, like consultation fees, diagnostic tests, pharmacy-related costs among other things. We will cover such expenses related to your hospitalization up to 90/180 days (as per plan) after your discharge.

We pay for room charges, intensive care unit charges, doctor's fee, diagnostic tests, medications, blood, oxygen, operation theater charges, etc. if you get admitted to a Adults Children 18 Years or Above 91 days to 23 years under floater Policy (Children beyond 23 years can be covered under an individual policy) hospital for in-patient care, for more than 24 consecutive hours. We will also cover the hospitalization expenses towards artificial life maintenance, listed modern treatments and HIV/AIDS.

In case the Sum Insured inclusive of earned cumulative bonus (if any) or Cumulative Bonus Booster (if opted & earned) is insufficient due to claims paid or accepted as payable during the policy year, then we will restore 100% of the Sum Insured for any number of times in a policy year. Restoration is available for unrelated illness, injury.

Treatments such as operations on the eyes, ligament tear, chemotherapy, Haemodialysis etc require you to stay hospitalized for less than 24 hours. We cover 546 such day-care treatments

You shall get guaranteed cumulative bonus (Upto 200% of Sum Insured). While no claim bonus only increases the sum insured for every claim-free year, guaranteed cumulative bonus is available irrespective of any claims. The Sum Insured increases every year by 5/10% (as per plan).eg If you take a ProHealth Plus Plan of 5,50,000 Lakhs, sum insured shall increase by Rs.55,000(10%) every year.

We cover expenses incurred by you on Diagnostic tests, drugs, medical aids such as spectacles, contact lenses, walker etc. under Health Maintenance Benefit. Coverage shall depend on plan taken. To know more about about the coverage and limits associated with each plan, kindly refer the brochure

We want you to avail the treatment of your choice. Hence, our ProHealth plans also support alternate treatments including Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

We will provide for a comprehensive Health Check-Up as listed in the eligibility table in policy T&C, to all Insured Persons who are 18 years of age irrespective of claim status. For Protect & Accumulate plan – Available once every 3rd Policy year. For Plus, Preferred and Premier Plan – Available once each year, excluding the first policy year.

Medical emergencies can happen anytime. So, we cover expenses incurred for transportation by an ambulance service provider to the hospital for treatment. The coverage limit shall depend upon the plan taken by you.

Step into Health & Savings with ManipalCigna. Earn reward points by opting for an array of Our wellness programs.Points can be redeemed as below:

• Against payable premium including taxes from 1st renewal and onwards.
• Get the equivalent value of Health Maintenance Benefit anytime in the policy
• Equivalent value while availing services through any of our network providers

Coverage is provided up to Rs. 3 Crores to protect you and your loved ones.

Hospital expenses are as per eligible room category, for admission longer than 24 hours, up to the full Sum Insured, where hospitalization is in India

All Day Care Treatments which are availed in India will be covered up to the full Sum Insured.

Pre-hospitalisation medical expenses incurred in India precedingthe date of Hospitalization and up to 60 days and up to the full Sum Insured.

Post-hospitalisation medical expenses incurred in India up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

Up to full Sum Insured, for AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatment availed in India.

Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Up to full Sum Insured, for expenses incurred in India.

Up to 10% of Sum Insured, for domiciliary expenses incurred in India.

Available once in a Policy Year to all Insured Persons who are 18 years or more at the inception of the Policy Year.

Up to full Sum Insured, for robotic and cyber knife surgery treatment availed in India.

Up to full Sum Insured, for Modern treatments listed in the Policy.

Up to full Sum Insured, for treatment availed in India.

Multiple Restoration is available in a Policy Year, for unrelated illnesses, in addition to the Sum Insured opted. The restored amount will be available for claim towards expenses covered in India only.

Renewal Premium for one Policy Year will be paid by us, if the Proposer is diagnosed with any of the listed Critical Illnesses or in case of Accidental Death, Permanent Total Disablement, Permanent Partial Disablement of the Proposer, provided the Proposer is also an Insured Person in the same Policy.

“For complete details on the product feature please refer Term and Condition of the product”

Support devices: We cover costs towards the cervical collar, braces, belts etc

Cost of Disposables: Go cashless with in-built coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation

Cost of Kits: We cover cost for delivery kit, orthokit and recovery kit.

Procedure Charges: We cover costs towards gauze, cotton, crepe bandage, surgical tape etc

• Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
• Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges,etc
• Emergency Road Ambulance charges for emergency transportation to hospital
• Pre hospitalization expenses up to 60 days prior to admission in the hospital
• Post hospitalization expenses up to 90 days after discharge from the hospital
• All Day Care Procedures are covered.
• E-Medical Opinion
• Cost of Health Check up: Expenses incurred towards Cost of Health check-up up to the limits mentioned on completion of each policy year (irrespective of claim)
• Automatic Restoration of Sum Insured : Upon Partial/full utilization of the limit of coverage, the basic sum insured shall be automatically restored by 100%. Such restored basic sum insured can be utilized for all claims during the policy period.The maximum liability of Company in a Single claim under a policy year shall not exceed the limit of coverage. The unutilized restored sum insured cannot be carried forward.
• Cumulative Bonus: The insured person will be eligible for Cumulative bonus calculated at 20% of basic sum insured for each claim free year subject to a maximum of 100% of the basic sum insured.
• Additional Basic Sum Insured for Road Traffic Accident (RTA):If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic Sum Insured shall be increased by 25% subject to a maximum of Rs.10,00,000/-.This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider
• Star Wellness Program:Discount in the Renewal premium for healthy life style through wellness activities

• Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to Rs.30,000/- per delivery is payable
• Hospital Cash Benefit: The Company will pay a Cash Benefit of Rs 1000/-for each completed day of hospitalization subject to a maximum of 7 days per hospitalization and 14 days per policy period

If the Insured person enter this policy before the age of 36 years and he renewed continuously without any break, on completion of 40 years of age the insured person will get a discount of 10% on the premium applicable at renewal at the age of 40 years for the sum insured opted at the inception of this policy

Permissible on payment of proportionate premium subject to the following;

• Newly Married / Wedded spouse and/or legally adopted child: Intimation about the marriage/adoption should be given within 45 days from the date of marriage or date of adoption.
• New born baby: : Intimation about the new born baby should be given within 90 days from the date of birth. The cover for new born commences from 91st day of its birth.

• Waiting periods as stated in the policy will be applicable from the date of inclusion of such newly married/wedded spouse, new born baby, legally adopted child.
• Such midterm inclusion will be subject to underwriter’s approval.