ManipalCigna ProHealth Prime Health Insurance

With a claim settlement ratio of 98%, Manipal Cigna is a reliable name when it comes to buying health insurance plans in India. Manipal Cigna ProHealth Prime Health Insurance Plan is one of the top-selling health insurance plans in India. Owing to the many benefits the plan offers, customers from all over buy this plan. Read on to know the Manipal Cigna ProHealth Prime Health Insurance Plan.

About Manipal Cigna ProHealth Prime Health Insurance Plan

Manipal Cigna’s Manipal Cigna ProHealth Prime Health Insurance Plan is one of the best plans to get comprehensive health insurance coverage. This plan can be customised for family, individual, and multi-individual, as per the different needs, and is thus a flexible health insurance plan. There are three different types of variants available with the Manipal Cigna ProHealth Prime Health Insurance Plan, ProHealth Prime Protect, ProHealth Prime Advantage, and ProHealth Prime Active.

Key Features of Manipal Cigna ProHealth Prime Health Insurance Plan

Benefits of Manipal Cigna ProHealth Prime Health Insurance Plan

Some of the benefits of buying the Manipal Cigna ProHealth Prime Health Insurance Plan are as follows:

• Flexible Sum Insured: On buying the Manipal Cigna ProHealth Prime Health Insurance Plan, you have to choose the sum insured of your choice. You can choose a sum insured ranging from Rs. 3 lakhs to Rs. 1 crore.
• Restoration Benefits: With the Manipal Cigna ProHealth Prime Health Insurance Plan, you also get restoration benefits. This means that the sum insured will be 100% restored even if claims have been raised in a given year.
• Cumulative Bonus: You also get cumulative bonus benefits with the Manipal Cigna ProHealth Prime Health Insurance which is 10% of the sum insured, for every claim-free year.
• Customisable Option: You can also customise the Manipal Cigna ProHealth Prime Health Insurance Plan as per your needs. Based on your health insurance needs, you can get the plan customised.
• Wellness Benefit: There is a wellness benefit given when you buy the Manipal Cigna ProHealth Prime Health Insurance Plan. So, based on your fitness level, you will discounts with the Manipal Cigna ProHealth Prime Health Insurance Plan.

Eligibility Criteria of Manipal Cigna ProHealth Prime Health Insurance Plann

To buy the Manipal Cigna ProHealth Prime Health Insurance Plan, listed below are the eligibility criteria that you need to keep in mind:

Inclusions and Exclusions in Manipal Cigna ProHealth Prime Health Insurance Plan

There are certain inclusions and exclusions in Manipal Cigna ProHealth Prime Health Insurance Plan that you should know about. So, scroll through the section and know more about these inclusions and exclusions.

Inclusions:

• Pre and post-hospitalisation expenses
• Domiciliary hospitalisation
• Road ambulance cover
• Organ donor expense cover
• Unlimited restoration benefits
• AYUSH treatment
• Convalescence benefit cover

Exclusions:

• Any injury due to involvement in adventurous or hazardous activities
• Anu injury due to foreign invasion or war
• Injury due to nuclear fuel radiation
• Injury due to any breach of law

Add-ons Available with Manipal Cigna ProHealth Prime Health Insurance Plan

Following are the add-ons that you can include with your Manipal Cigna ProHealth Prime Health Insurance Plan:

• Health Check-up Add-on: With the Manipal Cigna ProHealth Prime Health Insurance Plan, you can add a health check-up add-on. This provides the facility of annual health check-ups for those aged above 18 years.
• World-wide Accidental Emergency Hospitalization Cover: Any accident that takes place while you are travelling abroad is covered under this add-on. Please note that the limits of this add-on are over and above the sum insured.
• Non-medical Expenses Cover: This add-on provides coverage for non-medical expenses like consumables.

Claim Process of Manipal Cigna ProHealth Prime Health Insurance Plan

To raise health insurance claims with Manipal Cigna, you can either go for reimbursement or cashless claims. Listed below are the steps you need to follow to raise your Manipal Cigna health insurance claim.

Cashless Claims

• For unplanned hospitalisation, report to TPA within 24 hours of hospitalisation and in case of unplanned hospitalisation, you need to report 48 hours prior to hospitalisation
• The TPA will submit your medical records and pre -authorisation form to the insurer
• Once these documents have been approved, you can get started with the treatment. If there is a need to increase the sum insured, the TPA will communicate the same to the insurer
• During the discharge, the TPA will be responsible to submit all the hospital bills to the insurer
• When the claim request has been approved, the TPA gives the final approval and there will be some non-payable expenses that you will have to pay from your pocket

Reimbursement Claims

• In a reimbursement claim, you first need to pay for the hospital bills. Now, to raise the claim, fill out the claim form and gather all the relevant documents
• Submit the claim form along with the documents at your nearest branch of Manipal Cigna
• Once the claim request has been approved by Manipal Cigna, you will get the reimbursement amount transferred to your bank account