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Health Insurance

Manipal Cigna Prime Advantage Plan

Manipal Cigna Prime – Advantage Plan

Manipal Cigna Prime – Advantage Plan offers an extensive range of benefits and comprehensive coverage. It is a health insurance plan that covers you for hospitalisation, daycare procedures, domiciliary treatment, and pre and post-hospitalisation expenses. Let's dive deeper into the Manipal Cigna Prime – Advantage Plan.

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Reliance General Insurer

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

Key Highlights of Manipal Cigna Prime – Advantage Plan

Here are the key highlights of Manipal Cigna Prime - Advantage Plan:

Coverage for non-medical expenses: Manipal Cigna Health Insurance Plan covers various non-medical expenses that are usually not covered by standard health insurance policies.

Flexibility to choose any room category: When you buy Manipal Cigna Prime – Advantage Plan online, you can choose to stay in the "Any room" category, suite or above, as per your preference.

Maternity and newborn expenses:

The Manipal Cigna Health Insurance Plan covers maternity and newborn expenses beyond the usual benefits, with an option to avail of coverage for infertility treatment.

It covers up to 2 deliveries in a lifetime, with each delivery having a limit of 10% of the sum insured and this has a limit of ₹1 Lac.

Complications from pregnancy and newborn expenses, including prenatal and postnatal, are included as part of the overall maternity limit.

Coverage for IVF/IUI procedures:

2 successful treatment procedures are covered by the plan and are limited to IVF/IUI, up to a maximum of ₹2.5 Lacs.

This benefit is applicable for a base sum insured of ₹7.5 Lacs or more.

Health Maintenance Benefit: The plan offers a health maintenance benefit of up to ₹3,000 per policy year.

Worldwide emergency hospitalisation with outpatient coverage:

You can buy Manipal Cigna Prime – Advantage Plan online and avail of emergency hospitalisation and outpatient treatment outside India up to the sum insured.

This benefit is available only on a reimbursement basis.

Features of Manipal Cigna Prime – Advantage Plan

Manipal Cigna Prime – Advantage Policy offers comprehensive health insurance coverage that goes beyond hospitalisation. It provides various features and benefits to ensure your well-being and financial security.

Attractive Rewards for Wellness: By completing predefined steps towards wellness in a day, you can earn rewards of up to 20% of your base premium. These reward points can be used towards a discount on your renewal premium, giving you an incentive to take care of your health.

Wellness Program: Starting from the first year, Manipal Cigna Prime – Advantage Policy emphasises holistic health care by encouraging wellness practices alongside illness management. It recognises the importance of maintaining good health and offers support for overall well-being.

Zero Deductions for Non-Medical Expenses: When you buy Manipal Cigna Prime – Advantage Plan online, the plan covers all hospitalisation expenses, both medical and non-medical, without any deductions. You can have peace of mind knowing that you won't have to bear any additional financial burden during your treatment.

Choice of Room Category: With the Advantage Plan, you have the freedom to choose any room category, including suites, according to your preferences and requirements.

Waiver of Premium: In the event of accidental death or diagnosis of any critical illness, the Manipal Cigna Health Insurance Plan offers a waiver of one year's renewal policy premium. This provides additional financial relief during challenging times.

Coverage Restoration: After every claim, irrespective of related or unrelated illnesses, your coverage is restored to 100% of the sum insured. This feature ensures that you always have full coverage whenever you need it.

Ability to Switch Off: Manipal Cigna Prime – Advantage Policy allows you to temporarily switch off your health insurance for up to 30 days while travelling abroad. This flexibility gives you the opportunity to save on your renewal premium during your absence.

Better Coverage, Better Care: Manipal Cigna Prime - Advantage Plan goes beyond just hospitalisation coverage. It includes coverage for doctor consultations, diagnostics, pharmacy expenses, and everyday healthcare costs. This comprehensive approach ensures comprehensive care for your health. Syringes, hand gloves, registration charges, and other miscellaneous expenses often form a significant part of hospitalisation charges.

Coverage Restoration: Manipal Cigna ProHealth Prime ensures that you don't fall short of coverage by restoring up to 100% of the sum insured. This means that even after making a claim, your coverage will be fully reinstated for any future healthcare needs.

Shorter Waiting Periods: Manipal Cigna Prime – Advantage Policy offers shorter waiting periods to access certain benefits. The initial waiting period is only 30 days, and for specific illnesses or diseases, the waiting period is 24 months for a sum insured up to 5 Lacs and 36 months for a sum insured above 7.5 Lacs. This allows you to receive timely and comprehensive coverage.

Bariatric Surgery: For bariatric surgery, the waiting period is 36 months, ensuring that you have adequate time to prepare for this specific procedure.

Benefits of Manipal Cigna Prime – Advantage Plan

Coverage: In-patient hospitalisation Covers room accommodation and ICU expenses up to the sum insured amount.

Modern and Advanced Treatments: Covers 50% to 100% of the sum insured amount, depending on the policy.

Mental Illness, HIV/AIDS, and STD Cover: Covers expenses up to the sum insured amount.

Pre-Hospitalisation: The Manipal Cigna Health Insurance Plan covers medical expenses up to the sum insured amount for 60 days before hospitalisation.

Post-Hospitalisation: Covers medical expenses up to the sum insured amount for 180 days after hospitalisation.

Day Care Treatment: Covers expenses related to medically necessary procedures on an outpatient basis.

Domiciliary Hospitalisation: Covers medical treatment at home up to 10% of the sum insured.

Road Ambulance: Covers expenses for ambulance services up to the sum insured amount.

Donor Expenses: Covers expenses related to organ transplantation for the insured person.

Restoration of Sum Insured: AYUSH Treatment: Covers treatment expenses in alternative medicine systems.

Air Ambulance Cover: Covers expenses for air ambulance services up to 10 lakh.

Bariatric Surgery Cover: Covers expenses related to weight-loss surgery up to the sum insured amount.

Daily Cash for Shared Accommodation: Provides a daily cash benefit for shared accommodation during hospitalisation.

Health Check-Up: Offers a health check-up once during a policy year.

Second Opinion: Provides an option for a second medical opinion for critical illnesses.

Tele-Consultation: The Manipal Cigna Health Insurance Plan allows unlimited tele-consultations with doctors in a policy year.

Cumulative Bonus: When you buy Manipal Cigna Prime – Advantage Plan online, it offers a guaranteed bonus of 25% of the sum insured in one policy year, up to 200% of the base sum insured.

Switch Off Benefit: Provides a maximum benefit amount for switching the policy to a new insurer.

Wellness Program: Rewards customers for completing wellness activities.

Discounts from Network Providers: Offers discounts on pharmacy, diagnostics, and health supplements from network providers.

Premium Waiver Benefit: Waives off premiums in case of specific contingencies.

These are some of the common benefits provided by all solutions offered by the insurance company. They aim to provide comprehensive coverage and peace of mind to policyholders by addressing various health-related needs and emergencies.

Diseases Covered Under Manipal Cigna Prime – Advantage Plan

Under the Manipal Cigna Prime – Advantage Plan, the following diseases are covered along with their corresponding treatment limits:

Surgery for all types of Hernia: The plan covers the surgical treatment of all types of hernias. The treatment limit for this ailment is Rs. 50,000.

Hysterectomy: The plan provides coverage for hysterectomy, which is a surgical procedure to remove the uterus. The treatment limit for hysterectomy is Rs. 65,000.

Surgeries for Hypertrophy treatment of the Benign Prostate: The plan includes coverage for surgical treatments of benign prostatic hyperplasia (BPH), a condition that causes enlargement of the prostate gland. The treatment limit for this ailment is Rs. 65,000.

Surgical treatment/removement of stones in the renal system: The plan covers surgical treatments for stones in the renal system, including kidney stones. The treatment limit for this ailment is Rs. 65,000.

Treatment of Cataract (Per Eye): The plan provides coverage for cataract treatment, with a treatment limit of Rs. 20,000 per eye. Total Knee Replacement

Total Knee Replacement Treatment (Per knee): The plan covers the treatment of total knee replacement surgery, with a treatment limit of Rs. 80,000 per knee.

Breakage of bones Treatment: The Manipal Cigna Health Insurance Plan provides coverage for the treatment of bone fractures. The treatment limit for this ailment is Rs. 2,00,000.

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Diseases Not Covered Under Manipal Cigna Prime – Advantage Plan

Listed below are the diseases that are not covered under the Manipal Cigna Prime – Advantage Plan.

Pre-existing Disease: Under the Manipal Cigna Prime - Advantage Plan, there may be a waiting period for coverage of pre-existing diseases. This means that any health conditions or diseases that you had before purchasing the insurance policy may not be covered for a certain duration. The specific waiting period and the code for pre-existing diseases can be found in the policy document or by contacting the insurance provider.

Specified Disease/Procedure Waiting Period: Certain specified diseases or procedures may have a waiting period before they are covered under the plan. This waiting period varies depending on the disease or procedure. It is important to check the policy document or consult with the insurance provider to know the waiting period for specific diseases or procedures.

Change-of-Gender Treatment: The Manipal Cigna Prime - Advantage Plan may not cover change-of-gender treatments, which include surgeries or procedures related to gender reassignment.

Cosmetic or Plastic Surgery: Cosmetic or plastic surgeries that are performed solely for aesthetic purposes may not be covered under the plan.

Hazardous or Adventure Sport: Injuries or medical treatments resulting from participating in hazardous or adventure sports may not be covered under the plan.

Investigation & Evaluation: Certain investigation and evaluation procedures, such as diagnostic tests or screenings, may have limited coverage or may not be covered under the plan. It is advisable to refer to the policy document or consult with the insurance provider for specific coverage details.

Obesity/Weight Control: Treatment related to obesity or weight control, including surgeries or procedures for weight loss purposes, may not be covered under the Manipal Cigna Prime - Advantage Plan.

Add-ons to Cover Your Specific Needs

The Manipal Cigna Prime - Advantage Plan offers various benefits, including health check-ups, time consultation, and wellness programs. Here are some key features of the plan:

Health Check-Up: Customers can avail of an annual health check-up from the first year onwards.

Second Opinion Cumulative: Customers can get a second opinion from any domestic medical practitioner, and the cumulative amount of the second opinion fees is covered under the plan.

Tele-Consultation: Customers can avail of unlimited teleconsultation during the policy year.

Switch-Off Benefit: This feature allows customers to switch off the particular policy benefit for a year and get a discount on their premium.

Wellness Program: The Manipal Cigna Health Insurance Plan offers a wellness program that includes services such as health coaching, nutrition counselling, and fitness guidance.

Premium Waiver Benefit: This feature waives the payment of future premiums in case of accidental death or diagnosis of any of the listed illnesses.

Worldwide Coverage: The plan offers worldwide coverage, with a maximum of Rs.25 lakhs payable for treatment taken outside India.

Manipal Cigna Prime – Advantage Plan Eligibility Criteria

The Manipal Cigna Prime - Advantage Plan has eligibility criteria that customers need to satisfy in order to avail of the benefits offered. Here are some important points to note:

Age Limit: Adults between the ages of 18 years and no upper age limit are eligible to enrol in the plan. For children, the minimum entry age is 91 days, and the maximum entry age is 25 years.

Sum Insured Options: The plan offers a range of sum insured options to customers, ranging from 3 to 100 lacs. However, sum insured options of 3 lacs and 4 lacs are available only with the Protect Plan.

Policy Type: The Manipal Cigna Health Insurance Plan offers two policy types- individual and family floater. The family floater plan covers self, spouse, children, and parents. The maximum number of insured members under a family floater policy is 2 adults and 3 children.

Premium Payment Options: Customers have the option to pay the premium as a single payment or on a half-yearly, quarterly, or monthly basis.

Policy Term: Customers can choose a policy term of 1, 2, or 3 years.

Lifetime Renewability: The plan offers lifetime renewability, which means that customers can continue to renew their policy for their entire lifetime.

Relationships Covered: The individual plan covers self, parents, siblings, children, spouse, grandparents, grandchildren, parents-in-law, son-in-law, daughter-in-law, uncle, aunt, nephew, and niece. The family floater plan covers self, spouse, children, and parents.

It is important to check the specific terms and conditions of the policy before enrolling and make sure the plan meets your requirements.

Frequently Asked Questions

Q.Is there any Exit Age in the Manipal Cigna Prime – Advantage Plan?
- No, there is no specified exit age in the Manipal Cigna Prime - Advantage Plan.
Q.What is the claim rate for Manipal Cigna health insurance?
- ManipalCigna Health Insurance has a claim settlement ratio (CSR) of 99.90, which is considered one of the best in the health insurance industry.
Q.What is the ManipalCigna ProHealth Prime Advantage Plan?
- The ManipalCigna ProHealth Prime Advantage Plan is a comprehensive health insurance plan with extensive coverage and benefits for individuals and families.
Q.Does the ManipalCigna ProHealth Prime Advantage Plan cover pre and post-hospitalisation expenses?
- Yes, the ManipalCigna ProHealth Prime Advantage Plan covers both pre and post-hospitalisation expenses. This means that it provides coverage for medical expenses incurred before and after hospitalisation, such as diagnostic tests, follow-up consultations, and medication. It offers a comprehensive approach to healthcare coverage, ensuring that you have financial protection throughout your entire treatment journey.
Q.Can I pay the premium for my ManipalCigna ProHealth Prime Advantage Plan in instalments?
- Yes, you can pay the premium in instalments for the ManipalCigna ProHealth Prime Advantage Plan.

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