Manipal Cigna Health Insurance – ProHealth Prime Protect

9.5
Expert ScoreRead review

Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.

  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%

₹13,982.00

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Health insurance

Manipal Cigna Health Insurance – ProHealth Prime Protect

9.5
Expert ScoreRead review


Premium Amount

₹13,982.00

Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.

  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
Category: Tags: ,
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 up to Rs 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 up to Sum Insured. Air Ambulance: Up to Sum Insured; subject to a maximum of Rs 10 Lacs; over above the base Sum Insured
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Ayush benefit up to cover amount
Maternity
Covered as part of Enhance Plus add-on.
Outpatient Expense
NA
Organ donor expenses
Covered up to Sum Insured
New-born treatment
NA
Domiciliary Hospitalisation
Available only if the treatment continues for 3 consecutive days., It applies in case of non availability of bed in hospitals. Covers the cost of treatment along with 30 days of pre and post hospitalisation expenses.
Recovery allowance
NA
Sum Insured
25 Lakh
E- Consultation
NA

Pros

NA
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
Ayush benefit up to cover amount
Domiciliary Hospitalisation
Available only if the treatment continues for 3 consecutive days., It applies in case of non availability of bed in hospitals. Covers the cost of treatment along with 30 days of pre and post hospitalisation expenses.

cons

Category: Tags: ,

USP of This Plan

Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.

  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%

Our Take

9.5Expert Score
Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
Best values score
9.5

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.
Manipal Cigna Health Insurance – ProHealth Prime Protect
₹13,982.00

Manipal Cigna Health Insurance – ProHealth Prime Protect

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
9.5Expert Score
Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
Best values score
9.5

Specification: Manipal Cigna Health Insurance – ProHealth Prime Protect

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

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Manipal Cigna Health Insurance – ProHealth Prime Protect
Manipal Cigna Health Insurance – ProHealth Prime Protect

₹13,982.00

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