Manipal Cigna Health Insurance

Eligibility 

1. Age limit: 

1. Child: 91 days to 25 years (under family floater plan)
2. Adult: 18 years 

No maximum limit

1. Cover type: Individual or Multi-individual and Family Floater
2. Policy Period: One year, two years, and three years
3. Premium Payment mode: Single, quarterly, monthly, and half-yearly
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law, son-in-law, daughter-in-law, nephew, niece, grandparents, grandchildren, uncle and aunt

Types of plans 

1. ProHealth Prime Protect
2. ProHealth Prime Advantage
3. ProHealth Prime Active

Sum Insured 

Rs.3 lakh to Rs.1 crore

Benefits 

1. Offers ‘Any room’ category
2. Coverage can be stopped for 30 days while travelling abroad
3. Unlimited restoration of sum insured
4. Annual health check-up after first year, irrespective of the claim
5. Wellness program
6. Guaranteed cumulative bonus up to maximum 200% of sum insured (25% per year)
7. Renewal premium waiver for next one year in case of accidental death or critical illness
8. Offers coverage for non-medical expenses

Coverage 

1. Pre-hospitalization for 60 days
2. Post-hospitalization for180 days
3. Domiciliary hospitalization up to 10% of sum insured
4. Road and air ambulance
5. AYUSH treatment
6. Donor expense
7. Bariatric Surgery
8. Unlimited Tele-consultation
9. Domestic second opinion (For 36 listed critical illness)
10. Offers daily cash (in case of shared accomodation)

Exclusions 

1. Nuclear fuel contamination
2. Medical issue caused due to foreign invasion or civil war
3. Breach of law
4. Medical issue due to hazardous or adventurous sports

Add-on 

1. Freedom Package
2. Assure Package
3. Enhance Plus Package
4. Non-medical expense coverage
5. Infertility treatment
6. Personal accident coverage
7. Cumulative bonus booster
8. Deductible amount can be chosen from Rs.10,000 to Rs.25,000

Optional benefits 

Critical illness coverage

Eligibility

1. Age limit:

1. Child: 91 days (up to 23 years for family floater plan)
2. Adults: 18 years (no upper limit) 

1. Cover type: Individual and Family Floater
2. Policy Period: One year, two years, and three years
3. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law

Types of plans

1. ProHealth Protect
2. ProHealth Plus
3. ProHealth Preferred
4. ProHealth Premier
5. ProHealth Accumulate

Sum Insured

Rs.2.5 lakh to Rs.50 lakh, 4 years waiting period

Coverage

1. Pre- and Post-hospitalization cover
2. 546 Day Care Treatment cover
3. Outpatient cover (Health Maintenance benefit up to Rs.500)
4. Hospitalization cover
5. Cumulative bonus
6. In-patient hospitalization for AYUSH cover
7. Ambulance expense
8. Donor expense
9. Treatment at home
10. Worldwide emergency
11. Opinion on critical illness from expert
12. Health check-up (once in third policy year)
13. Unlimited restoration

Exclusions

1. Sterility and Infertility
2. Dental treatment
3. Cosmetic surgery
4. Medical treatment due to alcohol or drugs
5. Non-allopathic (unless mentioned under policy)
6. Circumcision
7. deductible or co-pay amount
8. Unproven treatment
9. Diagnostic test and routine health check-up
10. IRDA listed non-medical expenses

Add-on

Critical illness add-on coverage

Optional benefits

1. Voluntary co-pay
2. Mandatory co-pay waiver
3. Cumulative bonus booster
4. Up to Rs.1000 daily cash after completion of every 24 hours of hospiatlization

Eligibility

1. Age limit: 

1. Child: 91 days to 25 years 
2. Adults: 18 years to 65 years 

1. Cover type: Individual and Family Floater (Maximum: two adults and three children) 
2. Policy Period: One year, two years, and three years 
3. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law 

Types of plans

1. Lifetime Health- India Plan 
2. Lifetime Health- Global Plan 

Sum Insured

Rs.50 lakhs to Rs.3 crore 

Coverage

1. Pre- and Post-hospitalization 
2. Adult health check-up 
3. Day care treatment 
4. Robotic and Cyber Knife Surgery 
5. Modern and Advanced Treatments 
6. HIV/AIDS and STD Cover 
7. Mental Care Cover 
8. Inpatient Hospitalization for AYUSH 
9. Road Ambulance Cover 
10. Restoration of Sum Insured 
11. Domiciliary Expenses 
12. Premium Waiver Benefit 
13. Donor Expenses 
14. Inpatient Hospitalization for AYUSH 

Exclusions

1. Treatment outside India 
2. Gender change treatments 
3. Rehabilitation, rest cure, and respite care 
4. Plastic or cosmetic surgery 
5. Adventure or hazardous sports 
6. Obesity or weight control 
7. Treatment for alcoholism, drug, and other addictive condition 
8. Treatment in cure clinics, spas, hydros, etc 
9. Sterility and infertility 
10. Refractive error 
11. Dietary supplements 
12. Maternity 
13. Breach of law 
14. Excluded providers 

Add-on

1. Health + available on individual basis 
2. Women + available to female above 12 years of age 

Optional Benefits

Critical illness Add-on cover available for 11 critical illness on additional premium payment 

Eligibility 

1. Age limit: 

1. Child: 91 days to 23 years (Family floater) 
2. Adult: 18 years (no maximum limit) 

1. Cover type: Individual and Family Floater (Maximum: two adults and three children) 
2. Policy Period: One year, two years, and three years 
3. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, dependent children, siblings, dependent parents, and parents-in-law 

Types of plans 

1. Super Top Up Plus 
2. Super Top Up Select 

Sum Insured 

Rs.3 lakh to Rs.30 lakh 

Coverage 

1. Day care treatment 
2. Pre-and Post-hospitalization 
3. In-patient hospitalization and for AYUSH cover 
4. Road ambulance cover 
5. Donor expense 
6. Guaranteed cumulative bonus 
7. Non-medical expense cover 

Exclusions 

1. Illness due to alcohol or drug 
2. Illness due to nuclear contamination 
3. Civil war or foreign invasion 
4. Breach of law 

Add-on 

Critical Illness Add-on cover 

Optional benefits 

1. Reduction in waiting period of Pre-Existing Disease 
2. Guaranteed continuity on deductible 

Eligibility 

1. Age limit: 56 years to 75 years for adults  
2. Cover type: Individual or multi-individual and Family Floater 
3. Policy Period: One year, two years, and three years 
4. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 

Types of plans 

1. Prime Senior Classic 
2. Prime Senior Elite 

Sum Insured 

Rs.3 lakh to Rs.50 lakh 

Coverage 

1. Domiciliary hospitalization 
2. Pre- and Post-hospitalization 
3. Road ambulance cover 
4. AYUSH treatment 
5. Donor expense 
6. Free health check-up after every claim 
7. Hospitalization expenses for treatment taken in ‘Any room’ 
8. Cumulative bonus of 10% sum assured 
9. Unlimited tele consultation 

Exclusions 

1. Medical issue due to: 

1. Hazardous or adventurous sports 
2. Civil war or foreign invasion 
3. Nuclear contamination 

1. Breach of law 

Add-on 

ManipalCigna Health 360 

Optional benefits 

1. Restoration of sum insured 
2. Premium management 
3. PED waiting time reduction 
4. Any room upgrade 

Eligibility 

1. Age limit: 

1. Child: 91 days 
2. Adult: 18 years  

No maximum age limits  

1. Cover type: Individual and Family Floater 
2. Policy Period: One year, two years, and three years 
3. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law 

Types of plans 

1. Prohealth Select A 
2. Prohealth Select B 

Sum Insured 

Rs.50,000 to Rs.25 lakh (PED waiting period of 4 years) 

Coverage 

1. Ambulance cover 
2. Donor Expense 
3. Domiciliary treatment 
4. In patient hospitalization 
5. Pre- and Post-hospitalization cover 
6. Day care treatment 
7. AYUSH cover 
8. Restoration of sum insured 

Exclusions 

1. Treatment to pregnancy except ectopic pregnancy 
2. Circumcision 
3. Diagonostic test and routine health check-up 
4. Hazardous or adventurous sports 
5. IRDA listed non-medical expenses 
6. Ailment due to drug or alcohol 
7. Breach of law 
8. Cosmetic surgery 
9. Dental treatment 

Add-on 

Critical Illness Add-on Cover 

Optional benefits 

1. Voluntary Co-pay 
2. Re-assurance 
3. Worldwide Emergency Cover 
4. Health check-up 
5. Sub limits for specific disease 
6. Removal of room rent limit  
7. Cumulative bonus booster 
8. Benefit of health maintenance 
9. Deductible 

Eligibility 

1. Age limit: 

1. Child: 91 days 
2. Adult: 18 years  

Maximum entry age: 65 years  

1. Cover type: Individual  
2. Policy Period: One year, two years, and three years 

Types of plans 

1. ProHealth Cash- Basic 
2. ProHealth Cash- Enhanced 

Sum Insured 

Rs.500 to Rs.5000 per day 

Coverage 

1. ICU Cash Benefit 
2. Worldwide Cover 
3. Sickness Hospital Cash Benefit 
4. Accident Hospital Cash Benefit 

Exclusions 

1. Routine health checks up 
2. Diagonostic tests 
3. Dental treatment 
4. Circumcision 
5. Cosmetic surgery 
6. HIV or AIDS 
7. Illness due to drug 
8. Brith control 
9. Non-allopathic treatment 

Add-on 

Critical Illness 

Optional benefits 

1. Day Care Treatment Benefit 
2. Permanent Total Disability cover 
3. Accidental death 

Eligibility 

1. Age limit: 

1. Child: 91 days to 25 years (dependent children) 
2. Adult: 18 years to 65 years 

1. Cover type: Individual and Family Floater 
2. Policy Period: One year 
3. Premium Payment mode: Quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law 

Maximum two adults and three children covered under family floater policy. 

1. Renewal: Lifetime 

Sum Insured 

Up to Rs.10 lakh 

Coverage 

1. Pre & Post Hospitalization 
2. Inpatient Hospitalization 
3. Cataract treatment 
4. Dental Treatment   
5. Advanced and modern treatment 
6. Day Care treatment 
7. In-patient AYUSH Treatment 
8. Road Ambulance 

Exclusions 

1. Unproven treatment 
2. Illness due to: 

1. Breach of law 
2. Drugs 
3. Nuclear contamination 
4. Foreign invasion 
5. Hazardous or adventure sports 

Eligibility 

1. Age limit: 18 years to 65 years 
2. Cover type: Individual and Family  
3. Policy Period: One year, two years, and three years 
4. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
5. Relationship covered: Self, spouse, dependent children, siblings, parents, parents-in-law, and grandchildren 

Types of plans 

1. Critical Care Basic 
2. Critical Care Enhanced 

Sum Insured 

Rs.1 lakh to Rs.25 crore 

Coverage 

1. Aorta Graft Surgery 
2. Loss of sight and deafness 
3. Permanent Paralysis of Limbs 
4. Transplant of bone marrow and organ 
5. Specified severity of Coma 
6. Permanent symptoms due to stroke 
7. Regular dialysis due to kidney failure 
8. Myocardial Infarction and open chest CABG 
9. Cancer 
10. Open Heart Replacement 
11. Multiple Sclerosis 
12. Motor Neuron Disease 
13. Primary (Idiopathic) Pulmonary Hypertension 

Exclusions 

1. Any other illness other than critical illness 
2. Ailments due to: 

1. Foreign invasion 
2. Drugs 
3. Nuclear radiation 
4. Pre-existing disease 
5. Working in tunneling or underground mining 

Add-on 

ManipalCigna Health 360 - OPD 

Optional benefits 

NA 

Eligibility 

1. Age limit: 

1. Child: 5 years to 25 years 
2. Adult: 18 years to 80 years 

1. Cover type: Individual and Family Floater 
2. Policy Period: One year, two years, and three years 
3. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, children, siblings, parents, and parents-in-law 

Types of plans 

1. Accident Care- Basic plan 
2. Accident care- Enhanced plan 
3. Accident care- Comprehensive plan 

Sum Insured 

Up to Rs.10 crore 

Coverage 

1. Emergency Ambulance Cover 
2. Accidental Death 
3. Funeral expense 

Exclusions 

1. Pre-existing disease or disability 
2. Any medical treatment specifically excluded 
3. Ailment due to: 

1. Drugs 
2. Nuclear contamination 
3. Congenital Anomalies 
4. Adventure or hazardous sports 

Add-on 

1. Critical Illness Add on Cover 
2. ManipalCigna Health 360 - OPD 

Optional benefits 

1. Coma Benefit 
2. Broken Bones Benefit 
3. Temporary Total Disablement 
4. Burn benefit 

Eligibility 

1. Age limit: 

1. Child: 3 months to 25 years 
2. Adult: 18 years to 70 years  

1. Cover type: Individual and Family  
2. Policy Period: One year 
3. Premium Payment mode: Quarterly, monthly, half-yearly, and annually 
4. Relationship covered: Self, spouse, dependent children, parents, and parents-in-law 

Sum Insured 

Rs.25 lakh to Rs.1 crore 

Coverage 

1. Permanent partial and total disablement 
2. Accidental death 
3. Cumulative bonus 

Exclusions 

Illness due to: 

1. Foreign invasion 
2. Nuclear contamination 
3. Drugs 
4. Hazardous sports 
5. Breach of law 

Add-on 

1. Education Grant 
2. Hospitalization covers due to accident 
3. Temporary total disablement 

Eligibility 

1. Age limit: No minimum and maximum age limit 
2. Cover type: Individual and family floater 
3. Policy Period: One year 
4. Premium Payment mode: monthly, quarterly, half-yearly, annually 
5. Relationship covered: Self, and dependent including spouse, unmarried children, unmarried siblings, unmarried grandchildren, parents, parents-in-law 
6. Group size: 7 
7. Lifetime renewal, in case the insured associated with the group 

Sum Insured 

Up to Rs.1 crore 

Coverage 

1. Domiciliary Treatment 
2. Inpatient Hospitalization 
3. Donor Expenses 
4. Road Ambulance 
5. Pre & Post Hospitalization 
6. Day care treatment 

Exclusions 

Ailments caused due to: 

1. Nuclear contamination 
2. Hospitalization without treatment 
3. Breach of law 
4. Drug and intoxicating substance 

Eligibility 

1. Age limit:  

1. Minimum: 18 years 
2. Maximum: 75 years 

1. Cover type: Individual 
2. Policy Period: One year 
3. Premium Payment mode: monthly, quarterly, half-yearly, annually 
4. Relationship covered: Self, and dependent including spouse, unmarried children, unmarried siblings, unmarried grandchildren, parents, parents-in-law 
5. Group size: 7 
6. Lifetime renewal, in case the insured associated with the group 

Sum Insured 

Up to Rs.50 crore 

Coverage 

1. Group personal accident coverage with choice of optional coverage 
2. Critical illness coverage of up to 36 illnesses with six different plans with optional benefits 

Exclusions 

1. Personal accident due to: 

1. Pre-existing disease 
2. Drugs or intoxicating substance 
3. Pregnancy 
4. Nuclear contamination 

1. Critical illness due to: 

1. Brith control procedures 
2. Specified critical illness mentioned under policy 
3. Drugs or intoxicating substance 

Eligibility 

1. Age limit: 0 day to 95 years 
2. Cover type: Individual and multi-individual 
3. Policy Period: One year 
4. Premium Payment mode: monthly, quarterly, half-yearly, annually 
5. Relationship covered: Self, spouse, children, siblings, parents, uncle, aunt, niece, nephew, in-laws, grandparents, grandchildren 
6. Group size: 7 
7. Lifetime renewal, in case the insured associated with the group 
8. Employee group of employer: Employees and dependent covered as nominated by employer registered under Indian companies 
9. Employee group of non-employer: Members having commonality except insurance 

Sum Insured 

Up to Rs.50 lakh 

Coverage 

1. Coverage on travel inconvenience caused due to trip cancellation 
2. Medical expenses 
3. Personal accident coverage during travel 

Exclusions 

1. Illness due to: 

1. Breach of law 
2. Foreign invasion or civil war 
3. Drugs or intoxicating substance 
4. Nuclear contamination 

1. Unproven hospitalization 

Optional benefits 

51 optional covers 

Are of coverage 

1. Asia Pacific 
2. Worldwide excluding US and Canada 
3. Schengen including US and Canada 
4. Schengen excluding US & Canada 
5. Worldwide 
6. MDV (Marhaba Dubai Visa) 

Eligibility 

1. Age limit: No minimum and maximum age limit 

Children from1 day to 25 years are covered under family floater policy 

1. Cover type: Individual and Family floater 

Travel cover for single and multi-trip 

1. Policy Period: One year 
2. Premium Payment mode: Single, quarterly, monthly, half-yearly, annually, daily, weekly, fortnight, limited premium paying term 
3. Relationship covered: Self, spouse, children, siblings, parents, uncle, aunt, niece, nephew, in-laws, grandparents, grandchildren 
4. Group size: 7 
5. Lifetime renewal, in case the insured associated with the group 

Sum Insured 

Up to Rs.5 crore 

Coverage 

1. Ailments including surgery, domestic travel, accident, etc. 
2. Various options of selecting co-pay plans 
3. Dependent member and family protection 
4. EMI protection 
5. Premium waiver 
6. Wellness package 
7. Income protection 

Exclusions 

1. Ailment due to drugs and alcohol 
2. Medical expenses due to foreign invasion or civil war 
3. Illness due to breach of law 
4. Illness due to nuclear contamination 

Area of coverage 

Limited to a particular region within India or outside India (for overseas coverage) 

Currency 

Limited only to Indian currency (INR) 

Eligibility 

1. Age limit: 
2. Child: 1 day to 25 years 
3. Adult: 18 years to 95 years 
4. Cover type: Individual and Multi-individual 
5. Policy Period: One year 
6. Premium Payment mode: Single, quarterly, monthly, half-yearly, and annually 
7. Relationship covered: Self, spouse, unmarried partner or legal spouse, unmarried children up to 25 years 
8. Group size: 7 
9. Lifetime renewal, in case the insured associated with the group 

Sum Insured 

Up to Rs.10 million dollar 

Coverage 

1. Outpatient cover 
2. Inpatient hospiatlization 
3. Day care treatment 
4. Wellness package 
5. Maternity and new born cover 
6. Psychiatric and Psychological Care 
7. Cancer and AIDS or HIV cover 
8. Dental and Vision cover 
9. Complimentary treatment and travel vaccination 
10. Emergency evacuation and repatriation 
11. Waiting period inclusion 
12. Co-pay and deductible 

Exclusions 

1. Ailment due to intoxicating substance or drugs 
2. Hospitalization due to breach of law 
3. Unproven hospitalization  
4. Illness due to nuclear contamination 

Area of coverage 

1. Asia Pacific excluding Hong Kong and Singapore 
2. India, Europe, Caribbean Island countries, Canada, and Latin America  
3. Asian Middle East, South Asia, African 
4. Asia Pacific including Hong Kong and Singapore 

Currencies 

1. INR 
2. AUD 
3. SGD 
4. USD 
5. AED 
6. Euro 
7. GBP