Manipal Cigna Reviews, Ratings, Best Plans and USPs

In this section, we will go through all the major policies provided by ManipalCigna to its customers.

Health Insurance Policies

ManipalCigna ProHealth Protection Plan

The ManipalCigna ProHealth Protection plan provides monetary support to the policyholder in case of hospitalization. The plan is designed in a manner to provide comprehensive support with OPD benefits to the policyholder.

In this policy, one can get several benefits like additional non-reducing cumulative bonus, total protection through ProActive Living and Protective Healing, and reduction of renewal premium up to 100%, in-patient hospitalization. Other benefits provided in this policy are pre-hospitalization charges up to 60 days, and post-hospitalization charges up to 90 days.

Under this plan, policyholders can also get coverage for daycare procedures, domiciliary treatment expenses, medical expenses of organ donors, and sum insured restoration. Policyholders can also get reimbursement of INR 500 annually for charges like diagnostic tests, pharmacy expenses, and non-allopathic treatments. Other details of the policy are mentioned below.

ManipalCigna ProHealth Plus Plan

The ManipalCigna ProHealth Plus Plan provides the right kind of financial support in case of any medical emergency and requirement to the policyholder. Some benefits associated with this policy are room rent benefit, treatment expenses, medicines, and diagnostic test cost coverage.

ManipalCigna also provides a discount of around 30% on this policy. It comes with features like Protective Healing, ProActive living, health rewards of up to 10%, and additional coverage for maternity expenses and smart restoration.

Pre-hospitalization charges up to 60 days and post-hospitalization charges up to 120 days are covered in this policy. Beyond this, one can also get advantages like daycare procedures, domiciliary treatment expenses, medical expenses for an organ transplant, global medical coverage, annual reimbursement of INR 2,000 for other expenses, and INR 15,000 coverage for normal delivery. In the case of a C-section, one can get INR 25,00 as expenses related to maternity. Other details of the policy are mentioned below.

ManipalCigna Pro Health Insurance

The ManipalCigna Pro Health Insurance is an excellent plan that does not just provide hospitalization benefits but also comes with other robust advantages. The sum insured value in the comprehensive plan can range up to INR 50 lakh.

One can also get a worldwide emergency cover up to the sum insured value in this plan. The plan comes with other features like smart restoration, maternity expenses covered up to a limit, no claim bonus of 10% on every claim-free year, OPD cover with health maintenance benefit, Protective Healing, ProActive Living feature, and discount on premium up to 10% by using healthy rewards.

One can get a pre-hospitalization cover up to 60 days, post-hospitalization cover up to 180 days, and daycare charges covered. Domiciliary treatment is also covered in this plan along with medical expenses for an organ transplant. Further, maternity charges up to INR 1,00,000 are also provided under this plan. You can go through the other details of the plan by referring to the table below.

ManipalCigna Pro Health Premier Plan

The ManipalCigna Pro Health Premier Plan is a unique plan that has been framed to take care of the financial needs of an individual in case of a medical emergency. The sum insured amount in this policy is INR 100 lakh. This comprehensive plan is ideal for both individuals and families.

This plan provides worldwide coverage with a renewal premium discount of up to 10% by using healthy rewards. The plan comes with health maintenance benefits and covers expenses for maternity care.

Policyholders can also avail of other benefits, including in-patient hospitalization coverage, pre-hospitalization, daycare procedures, domiciliary treatment charges, medical charges for an organ transplant, and annual reimbursement of INR 15,000 for diagnostic charges. A maternity cover of up to INR 1,00,000 is also provided with this policy. Other details of the policy are given in the table below.

Critical Illness Plans

ManipalCigna Lifestyle Protection Plan

The ManipalCigna Lifestyle Protection Plan was mainly designed to provide financial support to policyholders whenever they might need critical care. One is entitled to a lump sum benefit in this plan and can also get access to more than 10,00,000 high-quality hospitals situated all across the globe.

This critical illness plan covers all the 30 major critical illnesses and their treatment plans. One can also get the benefit of a second medical opinion with this policy. The ManipalCigna Lifestyle Protection Plan is also available in two variants. The first is the basic cover that provides coverage against 15 critical illnesses and the second is the enhanced cover that provides protection against 30 critical illnesses.

This plan comes with excellent and personalized online wellness programs that all policyholders can use. There are flexible payout options for all customers. And on top of this, one can also get several discounts on the premium value.

On the first diagnosis of the covered critical illness, a lump sum value will be provided to the insured person after the customary waiting period. One can also get a staggering payout where the payout value will be 25% of the sum insured and a lump sum balance of 75% with an additional 10% paid in 60 equated monthly installments beginning from the next month.

The customized wellness programs provided under this policy are health risk assessment, nutrition programs, lifestyle management programs, and access to health articles published on the organization’s website. Other details of the policy are mentioned in the table below.

Personal Accident Plans

Manipal Cigna Lifestyle Protection

Tragedy can strike from any direction. This is why the ManipalCigna Lifestyle Protection plan provides financial security to policyholders against any contingencies that might arise out of an accident. The plan also covers any accidental disablement, loss of job, and death.

There are three variants of this plan that are provided to all customers. These variants include Plan A which is a basic cover, Plan B which is the enhanced cover, and Plan C which is the comprehensive cover.

In this plan, policyholders get complete accident cover, flexible sum insured options, longer policy term, multiple choice in terms of optional cover, quick claim settlement, and long-term loyalty discount. There is also a discount on family floater options.

The permanent total disablement cover is provided for Plan B and Plan C. Permanent partial disablement is paid according to a specific percentage of the sum insured and this benefit is only valid for Plan C. In case of accidental death of the parent, the orphan benefit is also applicable. The amount, in that case, is equal to the sum insured opted towards the dependent child. This benefit is provided in Plan C.

In case of permanent total or partial disablement, the policyholder will be provided an amount equal to the monthly income for 3 months. The loss of employment benefit is only valid for Plan C. Funeral expenses are also covered along with an education fund benefit for two dependent children up to 25 years of age. These benefits are provided for Plan B and Plan C.

Temporary total disablement cover is also provided as an optional clever. Accidental burns are covered with a fixed percentage of the sum insured. It can be chosen as an add-on cover. Similarly, broken bones cover is also available as an add-on cover. Other details of the policy are mentioned in the table below.

Best Policies of Brand

There are some policies that stand out from the large number of policies that ManipalCigna offers. Let’s look at what those excellent policies are in this section.

ManipalCigna ProHealth Insurance

The ManipalCigna ProHealth insurance policy provides the necessary coverage to both individuals and families. The minimum entry age of this policy is 18 years. There is no maximum entry age limit. This means that anybody can get this policy and the sum insured value can also range from INR 2.5 lakh to INR 1 crore.

The policy covers several benefits like post-hospitalization, pre-hospitalization, and in-patient hospitalization. Other benefits provided in this policy include newborn baby expenses, maternity expenses, daycare procedures, global emergency cover, and restoration of the sum insured.

ManipalCigna Super Top Up Plus Plan

The ManipalCigna Super Top Up Plus plan is a health insurance policy that is designed to make sure that policyholders always have adequate health coverage. This top up plan can enhance the existing health insurance policy for individuals, groups, or family floater insurance at a very affordable premium.

Individuals over the age of 18 years can purchase this plan and the sum insured value can range from INR 3 lakh to INR 30 lakh. There are some deductibles associated with this plan and that value can range from INR 3 lakh to INR 10 lakh. Benefits covered under this plan include cumulative bonus, donor expenses, ambulance cover, post-hospitalization, pre-hospitalization, in-patient hospitalization, and non-medical expenses cover.

ManipalCigna Lifestyle Protection Critical Care Plan

The ManipalCigna Lifestyle Protection Critical Care health insurance policy provides coverage to policyholders in case of medical treatment for critical illnesses specified in the insurance policy. This policy can be opted by individuals between the ages of 18 years and 65 years.

This policy comes with lifetime renewability and is divided into two plans. The first is the basic plan that covers 15 critical illnesses and the second is the Enhanced plan that covers 30 critical illnesses. The sum insured value can be between INR 1 lakh and INR 3 crore.