Manipal Cigna Health Insurance – ProHealth Prime Advantage

9.2
Expert ScoreRead review
  • Modern Treatments and Mental Health treatments: Covered upto 50% of SI
  • Reduced waiting period: PEDs such as Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity covered from 91st day of policy
  • Covers non-medical expenses
  • Unlimited restoration upto 100% of base sum insured
Flagship health plan from Manipal Cigna, which provides comprehensive coverage from 91st day for those with existing listed health conditions.
  • Cover :₹ 10.0 Lakhs
  • Bonus / NCB :No NCB
  • Copay :0.0% 
  • Claims Settled :99.9%

12,514.00

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Category:
Health insurance

Manipal Cigna Health Insurance – ProHealth Prime Advantage

9.2
Expert ScoreRead review


Premium Amount

12,514.00

  • Modern Treatments and Mental Health treatments: Covered upto 50% of SI
  • Reduced waiting period: PEDs such as Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity covered from 91st day of policy
  • Covers non-medical expenses
  • Unlimited restoration upto 100% of base sum insured
Flagship health plan from Manipal Cigna, which provides comprehensive coverage from 91st day for those with existing listed health conditions.
  • Cover :₹ 10.0 Lakhs
  • Bonus / NCB :No NCB
  • Copay :0.0% 
  • Claims Settled :99.9%
Category:
100% Cover restoration
Unlimited Restoration upto 100% of Sum Insured for related / unrelated illnesses/injuries.
Free Health Check-up
-
Daily cash allowance
For Shared Accomodation: For SI between 5-10 Lacs: Rs 800 per day up to maximum of Rs 5,600. For SI > Rs 10 Lacs: Rs 1,000 per day up to maximum of Rs7,000.
Ambulance charges
Road Ambulance: Covered upto SI
Pre-hospitalisation
Expenses for 30 days covered
No claim bonus
NA
Post hospitalisation
Expenses for 60 days covered
Ayush treatments
Ayush benefit up to Rs. 1000000
Maternity
NA
Outpatient Expense
NA
Organ donor expenses
Covered up to Sum Insured
New-born treatment
NA
Domiciliary Hospitalisation
Covered upto 10% of SI
Recovery allowance
-
Sum Insured
10 Lakh
E- Consultation
NA

Pros

NA
NA
Ayush benefit up to Rs. 1000000
Domiciliary Hospitalisation
Covered upto 10% of SI

cons

Category:

USP of This Plan

  • Modern Treatments and Mental Health treatments: Covered upto 50% of SI
  • Reduced waiting period: PEDs such as Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity covered from 91st day of policy
  • Covers non-medical expenses
  • Unlimited restoration upto 100% of base sum insured
Flagship health plan from Manipal Cigna, which provides comprehensive coverage from 91st day for those with existing listed health conditions.
  • Cover :₹ 10.0 Lakhs
  • Bonus / NCB :No NCB
  • Copay :0.0% 
  • Claims Settled :99.9%

Our Take

9.2Expert Score
  • Modern Treatments and Mental Health treatments: Covered upto 50% of SI
  • Reduced waiting period: PEDs such as Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity covered from 91st day of policy
  • Covers non-medical expenses
  • Unlimited restoration upto 100% of base sum insured
Flagship health plan from Manipal Cigna, which provides comprehensive coverage from 91st day for those with existing listed health conditions.
  • Cover :₹ 10.0 Lakhs
  • Bonus / NCB :No NCB
  • Copay :0.0% 
  • Claims Settled :99.9%
Best values score
9.2

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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9.2Expert Score
  • Modern Treatments and Mental Health treatments: Covered upto 50% of SI
  • Reduced waiting period: PEDs such as Diabetes, Hypertension, Asthma, Dyslipidemia and Obesity covered from 91st day of policy
  • Covers non-medical expenses
  • Unlimited restoration upto 100% of base sum insured
Flagship health plan from Manipal Cigna, which provides comprehensive coverage from 91st day for those with existing listed health conditions.
  • Cover :₹ 10.0 Lakhs
  • Bonus / NCB :No NCB
  • Copay :0.0% 
  • Claims Settled :99.9%
Best values score
9.2

Specification: Manipal Cigna Health Insurance – ProHealth Prime Advantage

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Manipal Cigna Health Insurance – ProHealth Prime Advantage
Manipal Cigna Health Insurance – ProHealth Prime Advantage

12,514.00

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