ManipalCigna Health Insurance is a prominent player in the Indian health insurance market, offering a range of products designed to meet diverse healthcare needs. Their products cater to various age groups and requirements, ensuring comprehensive coverage and financial protection during medical emergencies. Here is an in-depth look at some of their key offerings:

ProHealth Prime

ProHealth Prime is a comprehensive health insurance plan that provides extensive coverage with a focus on customer-centric benefits. It includes several unique features:

• In-patient Hospitalization: Covers hospitalization expenses for treatments lasting more than 24 hours.
• Day Care Treatments: Covers treatments that do not require a 24-hour hospital stay.
• Domiciliary Treatment: Coverage for treatments at home under specific conditions.
• Pre and Post-Hospitalization: Expenses incurred before and after hospitalization are covered for a specified period.
• Worldwide Emergency Cover: Ensures coverage for medical emergencies when traveling abroad.
• Health Maintenance Benefits: Includes coverage for consultation fees, diagnostic tests, and preventive health check-ups.
• No Claim Bonus: Rewards policyholders with a bonus for every claim-free year.]

Lifetime Health

Lifetime Health is a global health insurance plan designed for individuals who seek worldwide coverage. It is ideal for frequent travelers and expatriates. Key features include:

• Global Coverage: Ensures access to medical treatment anywhere in the world.
• In-patient and Out-patient Care: Comprehensive coverage that includes both hospitalization and outpatient treatments.
• Wellness Programs: Offers programs aimed at improving overall health and well-being.
• Emergency Evacuation and Repatriation: Covers the costs of emergency medical evacuation and repatriation to the home country.
• Maternity Benefits: Coverage for maternity expenses, including prenatal and postnatal care.

Prime Senior

Prime Senior is tailored for senior citizens, addressing the specific health needs of older adults. This plan offers:

• Comprehensive Coverage: Includes hospitalization, pre and post-hospitalization, and day care treatments.
• Home Nursing: Covers the cost of a qualified nurse for home care post-hospitalization.
• Annual Health Check-up: Provides annual health check-ups to monitor and maintain health.
• Second Opinion: Offers access to a second medical opinion from an expert panel.
• No Co-payment: No mandatory co-payment, which is beneficial for senior citizens who may have a fixed income.

ProHealth Insurance

ProHealth Insurance is a versatile plan available in multiple variants, each catering to different needs and budgets. The plan variants include ProHealth Protect, ProHealth Plus, ProHealth Preferred, and ProHealth Premier. Common features across these plans are:

• Hospitalization Cover: Covers medical expenses during hospitalization.
• Critical Illness Cover: Provides a lump sum payment upon diagnosis of a covered critical illness.
• Health Check-ups: Periodic health check-ups to monitor health status.
• Cumulative Bonus: Increases the sum insured for every claim-free year.
• Optional Riders: Offers additional benefits such as personal accident cover and critical illness cover.

Super Top Up

Super Top Up is a high-deductible health insurance plan designed to enhance existing health insurance coverage. It provides additional coverage once the deductible limit is reached. Key benefits include:

• High Sum Insured: Offers a higher sum insured at a relatively lower premium.
• Aggregate Deductible: The deductible applies on an aggregate basis, meaning it considers the total medical expenses in a policy year.
• Flexibility: Can be paired with any basic health insurance plan to enhance coverage.
• Wide Coverage: Covers hospitalization, pre and post-hospitalization, and day care procedures.

Frequently Asked Questions (FAQs)

Q: What is the age limit to buy ManipalCigna health insurance plans? A: The age limit varies by plan. For most plans, the minimum entry age is 18 years, and the maximum age can go up to 65 years. For senior citizen plans like Prime Senior, the entry age starts from 60 years.

Q: Can I renew my ManipalCigna health insurance policy for life? A: Yes, ManipalCigna health insurance plans come with a lifetime renewability feature, ensuring continuous coverage without any age limit on renewals.

Q: What is the waiting period for pre-existing diseases? A: The waiting period for pre-existing diseases typically ranges from 24 to 48 months, depending on the specific plan.

Q: Are there any discounts available on premiums? A: Yes, ManipalCigna offers various discounts on premiums, such as family discounts, online purchase discounts, and long-term policy discounts.

Q: How does the No Claim Bonus work? A: The No Claim Bonus is a reward for not making any claims during the policy year. It increases the sum insured by a certain percentage, usually up to a maximum limit, for every claim-free year.

Q: What is the process for cashless hospitalization? A: For cashless hospitalization, you need to get admitted to one of the network hospitals. Present your health card and ID proof at the hospital’s insurance desk. The hospital will get the authorization from ManipalCigna, and the medical expenses will be settled directly by the insurer.

Q: Can I port my existing health insurance policy to ManipalCigna? A: Yes, ManipalCigna allows policyholders to port their existing health insurance policies from other insurers, maintaining continuity benefits like waiting periods for pre-existing diseases.

ManipalCigna’s wide range of products ensures that there is a suitable plan for every individual, from young adults and families to senior citizens. Their focus on comprehensive coverage, customer-centric benefits, and innovative features makes them a preferred choice in the health insurance market.