ManipalCigna Prime Health Insurance

Manipal Cigna Health Insurance ranks as India’s second-largest healthcare provider. The company offers several health insurance plans to cater to the varied needs of customers. The Manipal Cigna Prime Plan is a popular plan the company offers. With this health plan, individuals can get extensive coverage for their health insurance needs and even ensure protection for their loved ones. Read further to know all about the Manipal Cigna Prime Plan.

Key Features of Manipal Cigna Prime Plan

Listed below are some of the key features of Manipal Cigna Prime Plan that you should know about:

• Family Oriented: Whether you are buying health insurance for yourself or your family, this plan caters to all. It offers the option to choose from individual, family, and multi-individual plan options.
• Room Choices: Manipal Cigna Prime Plan offers the option to choose “any room” option.
• Plan Variants: The Manipal Cigna Prime Plan is available in three different variants - Protect, Active, and Advantage.
• Range of Network Hospitals: Manipal Cigna has tie-ups with over 7,500 network hospitals which means individuals buying this plan can get access to an extensive number of cashless hospitals.
• Additional Benefits: This plan offers benefits like unlimited restoration of the sum insured, coverage for non-medical expenses, personal accident cover, and a lot more.
• OPD Benefits: The Manipal Cigna Prime plan provides coverage for OPD treatment. Under the OPD benefits, you can get coverage for up to Rs. 50,000.
• Switch-Off Benefit: The Manipal Cigna Prime plan also provides a switch-off feature which means you can switch-off your existing plan if you are travelling abroad.

Variants of Manipal Cigna Prime Plan

While buying the Manipal Cigna Prime Plan, you can choose from three variants available: Protect available, Advantage, and Active plan.

• Prime Protect: The Manipal Cigna Prime Protect has a sum insured ranging between Rs. 2 lakhs to Rs. 1 crore. It starts with a premium of Rs. 8,182/month and has coverage for non-medical expenses, restoration benefits, and a lot more.
• Prime Active: It allows policyholders to choose a sum insured between Rs. 3 lakhs to Rs. 15 lakhs. Unlike the Prime Protect variant, it does not offer a switch-off option, however, offers benefits like wellness discounts, annual health check-up coverage, and a lot more.
• Prime Advantage: The Prime Advantage lets policyholders choose a sum insured between Rs. 5 lakhs to Rs. 1 crore. Under this plan, you can get coverage for pre and post hospitalisation, day care treatment, domiciliary treatment, and a lot more.

Variant Details At a Glance

Eligibility Criteria of Manipal Cigna Prime Plan

Take a look at the table to learn about the eligibility criteria for the Manipal Cigna Prime Plan:

Benefits of Manipal Cigna Prime Plan

There are multiple benefits provided when you buy the Prime plan with Manipal Cigna, some of them are as follows:

• Flexible Sum Insured: On buying the Manipal Cigna Prime Plan, policyholders can choose the sum insured depending on their budget. The available sum insured option ranges between Rs. 3 lakhs - Rs. 1 crore.
• Restoration Benefits: The Manipal Cigna Prime offers unlimited restoration benefits. Restoration benefits enable the sum insured to be automatically restored even after it has been exhausted due to a health insurance claim. This is applicable from the 2nd claim onwards. This plan provides unlimited restoration benefits under all three variants.
• Annual Health Check-up: In today’s time, regular health check-ups are important, no matter how unhealthy they are. With the Manipal Cigna Prime, you get free annual check-up benefits. The annual check-up benefit is provided from 1st year onwards for Protect and Advantage plans. On the other hand, in the Active variant, annual health check-up is allocable only once in 3 years.
• Option to Choose Any Room: The Manipal Cigna Prime plan, you have the option to choose ‘any room’ category. At no extra cost, you can choose a room of your choice with the Manipal Cigna Prime plan.
• Switch-off Option: If you are travelling abroad and do not require health insurance coverage for a brief period, then you switch it off. With the switch-off option, you can thus extend your health insurance coverage and even get discounts on renewals. The switch-off benefit is not applicable under the Active variant.
• Wellness Program: Manipal Cigna rewards policyholders with additional benefits for being fit. Under the wellness program, if the policyholder completes a specific number of steps, then discounts are offered on the Manipal Cigna Prime health insurance plan. Once the policyholder completes the Healthy Life Management Program, they can earn up to 20%, the Active variant offers rewards of up to 15%.

Inclusions and Exclusions of Manipal Cigna Prime Plan

Inclusions:

• Pre and post hospitalisation expenses - Pre hospitalisation includes all the expenses incurred before the hospitalisation of the insured. On the other hand, post-hospitalisation includes all the expenses incurred after the hospitalisation. In the Protect and Advantage variant, pre-hospitalisation coverage is offered for 60 days, up to the sum insured and the Active variant has coverage for up to 30 days. Post-hospitalisation coverage under the Protect and Advantage variant is for 180 days and 60 under the Active variant.
• Organ donor expenses: Any expenses incurred during organ transplantation are also covered under the Manipal Cigna Prime Plan. Organ donor expense coverage is offered up to the sum insured for all three variants.
• Domiciliary hospitalisation: This feature allows policyholders to get treatment at home instead of in a hospital. The coverage offered is up to the sum insured chosen by the policyholder.
• Road ambulance cover: Road ambulance cover is given up to the sum insured opted by the policyholder. It provides financial assistance for ambulance expenses in case any medical emergency takes place.
• Ayush treatment: Under this cover, coverage is offered for Ayurveda, Yoga and Naturopathy, Siddha, Unani, and Homeopathy treatment. AYUSH treatment is up to the sum insured.
• Air ambulance cover: The Protect and Advantage variant provides ambulance cover of up to Rs. 10 lakhs, and Active variant on the other hand does not cover financial expenses due to air ambulance.
• Unlimited tele-consultation: This is a direct consultation with medical practitioners that is unlimited for all three variants.
• Guaranteed cumulative bonus: Under the Protect and Advantage, variant “Guaranteed Cumulative Bonus of 25% of Base SI each year subject to a max of 200% of the Base SI, irrespective of claims” is given. Under the Active variant, “10% of the expiring Base SI for every claim-free year subject to a maximum of 100% of Base SI” is given.

Exclusions:

• Breach of law
• Any injury due to involvement in adventurous activity
• Any injury due to civil war

Riders Available with Manipal Cigna Prime Plan

With the Manipal Cigna Prime Plan, you can include the Critical Illness add-on. This add-on provides coverage for up to 11 critical illnesses as listed on the policy documents. However, this rider is available at an additional premium and can be even included during renewal.

Documents Required to Buy Manipal Cigna Prime Plan

Some of the documents required to buy Manipal Cigna prime plan are as follows:

• A duly-filled health application form
• Identity proof: Aadhaar card, PAN card, driving license
• Age proof: Birth certificate, passport
• Address Proof: Bank passbook, Electricity bills
• Previous medical reports

How to Buy the Manipal Cigna Prime Plan?

Listed below are the steps in which you can buy the Manipal Cigna Prime plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Manipal Cigna Health Insurance" from the list of health insurance companies.
• Then, select "Prime plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Manipal Cigna Prime Plan

With the Manipal Cigna Prime Plan, you can raise two types of claims, cashless claims and reimbursement claims. Under the cashless claims, you can seek treatment at any of the network hospitals without spending anything from your own pocket. On the other hand, in a reimbursement claim, you will have to spend money from your pocket which will later be reimbursed by the insurance company.

Cashless Claim

• Visit a nearby network hospital
• Fill out the pre-proposal form and submit your Manipal Cigna Prime plan
• All the documents will be sent to the TPA for verification
• Once verified, the cashless claim request will be settled

Reimbursement Claim

• For reimbursement claims, you can seek treatment at any hospital
• Next, raise a claim request on the official website of Manipal Cigna
• Submit all the required documents such as medical reports, hospital expenses, and more
• Later, when all the documents are verified, you will receive reimbursement for all the medical expenses