manipal

review Manipal Cigna Health Insurance

ManipalCigna Health Insurance is a joint venture between Manipal group, a leader in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with presence in 30+ countries and serving 160 million+ customers around the world.ManipalCigna provides the following Health Insurance plans.

  • Pro Health Protect Plan
  • Pro Health Plus Plan
  • Pro Health Preferred Plan
  • Pro Health Premier Plan
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Sum Insured Available

  • 2.5 lacs lacs To 50 lacs 

sum insured

Inpatient Hospitalisation (Room rent limit):

  • Covered up to any room category except Suite or higher category.
Inpatient Hospitalisation
pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital.

Day Care Treatment

  • Covered up to the limit of sum insured.
day-care-treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment
ambulancecover

Ambulance Cover

  •  Up to Rs 3,000 paid per hospitalisation event.
Alternative Treatments

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured.

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event.
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured

  • Multiple restoration available in a policy year for unrelated illnesses. 

Alternative Treatments

AYUSH Cover

  • Covered up to sum insured.

Health Maintenance Benefit (OPD Treatment, no hospitalisation required)

  • Rs 500 per policy year.

expert opinion

Maternity Expenses

  •  Not available
​​ ​maternity expenses
new born baby

New Born Baby Expenses

  •  Not Available

vaccination baby

First Year Vaccinations

  • Not available

Health Check-up

  • Once every 3rd policy year to all insured persons who have completed 18 years of age.

secondopinion

Expert Opinion on Critical Illness

  • Available once during the policy year.

Waiting Period for Specific Diseases
No claim Bonus or Cumulative Bonus

Cumulative Bonus

  • Guaranteed 5% increase in sum insured per policy year, maximum up to 200% of sum insured.

Waiting Period

Waiting Period for Specific disease

  • 2 years

Worldwide Emergency Cover (Outside India)

  • Covered up to sum insured once in a policy year.

Worldwide Emergency Cover

Waiting Period for Specific disease

  •  4 years

No claim Bonus or Cumulative Bonus

Sum Insured Available

  • 4.5 lacs lacs To 50 lacs 

sum insured

Inpatient Hospitalisation (Room rent limit):

  • Covered up to any room category except Suite or higher category.
Inpatient Hospitalisation
pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 60 days before date of hospitalisation. 

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Domiciliary Treatment
ambulancecover

Ambulance Cover

  •  Up to Rs 3,000 paid per hospitalisation event. 
Alternative Treatments

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured

  • Multiple restoration available in a policy year for unrelated illnesses. 

Alternative Treatments

AYUSH Cover

  • Covered up to sum insured. 

Health Maintenance Benefit (OPD Treatment, no hospitalisation required)

  • Rs 2000 per policy year. 

 

expert opinion

Maternity Expenses

  • Covered up to Rs 15,000 for normal delivery and Rs 25,000 for C-Section per event, after a waiting period of 48 months.

​​ ​maternity expenses
new born baby

New Born Baby Expenses

  • Inpatient hospitalisation expenses of a new born baby up to the limit provided under Maternity expenses. Waiting period of 48 months.

vaccination baby

First Year Vaccinations

  • Covered as per national immunisation program over and above Maternity sum insured. Waiting period of 48 months.

Health Check-up

  • Each policy year, excluding the first year of policy to all insured persons who have completed 18 years of age.

secondopinion

Expert Opinion on Critical Illness

  • Available once during the policy year. 

Waiting Period for Specific Diseases
No claim Bonus or Cumulative Bonus

Cumulative Bonus

  • Guaranteed 10% increase in sum insured per policy year, maximum up to 200% of sum insured.

Waiting Period

Waiting Period for Specific disease

  • 24 months

Worldwide Emergency Cover (Outside India)

  • Covered up to sum insured once in a policy year.

Worldwide Emergency Cover

Waiting Period for pre-existing diseases

  • 2 years

No claim Bonus or Cumulative Bonus

Sum Insured Available

  • 15 lacs lacs To 50 lacs ;

sum insured

Inpatient Hospitalisation (Room rent limit):

  • Covered up to any room category except Suite or higher category.
Inpatient Hospitalisation
pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 60 days before date of hospitalisation. 

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Domiciliary Treatment
ambulancecover

Ambulance Cover

  • Actual expenses paid per hospitalisation event.
Alternative Treatments

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured

  • Multiple restoration available in a policy year for unrelated illnesses.

Alternative Treatments

AYUSH Cover

  • Covered up to sum insured. 

Health Maintenance Benefit (OPD Treatment, no hospitalisation required)

  • Rs 15,000 per policy year.

 

expert opinion

Maternity Expenses

  • Covered up to Rs 50,000 for normal delivery and Rs 1,00,000 for C-Section per event, after a waiting period of 48 months.

​​ ​maternity expenses
new born baby

New Born Baby Expenses

  • Inpatient hospitalisation expenses of a new born baby up to the limit provided under Maternity expenses.

vaccination baby

First Year Vaccinations

  • Covered as per national immunisation program over and above Maternity sum insured. Waiting period of 48 months.

Health Check-up

  • Each policy year, excluding the first year of policy to all insured persons who have completed 18 years of age.

secondopinion

Expert Opinion on Critical Illness

  • Available once during the policy year. 

Waiting Period for Specific Diseases
No claim Bonus or Cumulative Bonus

Cumulative Bonus

  • Guaranteed 10% increase in sum insured per policy year, maximum up to 200% of sum insured.

Waiting Period

Waiting Period for Specific disease

  • 2 years

Worldwide Emergency Cover (Outside India)

  • Covered up to sum insured once in a policy year.

Worldwide Emergency Cover

Waiting Period for pre-existing diseases

  • 2 years

No claim Bonus or Cumulative Bonus

Sum Insured Available

  • 100 lacs (1 crore)

sum insured

Inpatient Hospitalisation (Room rent limit):

  • Covered up to any room category except Suite or higher category.
Inpatient Hospitalisation
pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 60 days before date of hospitalisation. 

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Domiciliary Treatment
ambulancecover

Ambulance Cover

  • Actual expenses paid per hospitalisation event.
Alternative Treatments

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured

  • Multiple restoration available in a policy year for unrelated illnesses.

Alternative Treatments

AYUSH Cover

  • Covered up to sum insured. 

Health Maintenance Benefit (OPD Treatment, no hospitalisation required)

  • Rs 15,000 per policy year.

 

expert opinion

Maternity Expenses

  • Covered up to Rs 1,00,000 for normal delivery and Rs 2,00,000 for C-Section per event, after a waiting period of 48 months.

​​ ​maternity expenses
new born baby

New Born Baby Expenses

  • Inpatient hospitalisation expenses of a new born baby up to the limit provided under Maternity expenses.

vaccination baby

First Year Vaccinations

  • Covered as per national immunisation program over and above Maternity sum insured.

Health Check-up

  • Each policy year, excluding the first year of policy to all insured persons who have completed 18 years of age.

secondopinion

Expert Opinion on Critical Illness

  • Available once during the policy year.

Waiting Period for Specific Diseases
No claim Bonus or Cumulative Bonus

Cumulative Bonus

  • Guaranteed 10% increase in sum insured per policy year, maximum up to 200% of sum insured.

Waiting Period

Waiting Period for Specific disease

  • 2 years

Worldwide Emergency Cover (Outside India)

  • Covered up to sum insured once in a policy year.

Worldwide Emergency Cover

Waiting Period for pre-existing diseases

  • 2 years

No claim Bonus or Cumulative Bonus
Features
Protect
Plus
Preferred
Premier
Sum Insured (lacs)
2.5 To 50.0
4.5 To 50.0
15 To 50
100
Inpatient Hospitalisation (Room Rent) For sum insured up to 5.5 lacs - Single private room For sum insured 7.5 lacs and above - Any room category except for suite or higher category Any room category except for suite or higher category Any room category except for suite or higher category Any room category except for suite or higher category
Pre-hospitalisation period 60 days 60 days 60 days 60 days
Pre-hospitalisation period 90 days 180 days 180 days 180 days
Day care treatment 546 treatments available up to sum insured 546 treatments available up to sum insured 546 treatments available up to sum insured 546 treatments available up to sum insured
Domiciliary treatment (Treatment at home) Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Ambulance Cover (Reimbursement of Ambulance expenses) Up to Rs 2000 per hospitalisation event Up to Rs 3000 per hospitalisation event Actual expenses incurred per hospitalisation event Actual expenses incurred per hospitalisation event
Donor Expenses (Hospitalisation expenses of the donor providing the organ) Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Worldwide Emergency Cover (Outside India) Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Restoration of sum insured (when opted sum insured is insufficient due to claims) Multiple restorations in a policy year Multiple restorations in a policy year Multiple restorations in a policy year Multiple restorations in a policy year
Health Maintenance Benefit) Up to Rs 500 per policy year Up to Rs 2000 per policy year Up to Rs 15000 per policy year Up to Rs 15000 per policy year
Maternity Benefit Not available 48 months waiting period Rs 15,000 for normal delivery Rs 25,000 for C-section 48 months waiting period Rs 50,000 for normal delivery Rs 1,00,000 for C-section 8 months waiting period Rs 1,00,000 for normal delivery Rs 2,00,000 for C-section
New Born Baby Expenses Not available Up to the limit provided under Maternity Expenses Up to the limit provided under Maternity Expenses Up to the limit provided under Maternity Expenses
First Year Vaccinations Not available Covered as per national immunisation programme Covered as per national immunisation programme Covered as per national immunisation programme
Health Check-up Available once every 3rd Policy year Available each policy year, excluding the first year Available each policy year, excluding the first year Available each policy year, excluding the first year
Health Check-up Available once every 3rd Policy year Available each policy year, excluding the first year Available each policy year, excluding the first year Available each policy year, excluding the first year
Expert Opinion on Critical illness Available once during the Policy year Available once during the Policy year Available once during the Policy year Available once during the Policy year
Cumulative Bous A guaranteed 5% increase in Sum Insured per policy year, maximum up to 200% of Sum Insured A guaranteed 10% increase in Sum Insured per policy year, maximum up to 200% of Sum Insured A guaranteed 5% increase in Sum Insured per policy year, maximum up to 200% of Sum Insured A guaranteed 5% increase in Sum Insured per policy year, maximum up to 200% of Sum Insured
Ayush Cover Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured

Sum Insured Available

  • 2.5 lacs To 50 lacs 

sum insured

Inpatient Hospitalisation (Room rent limit):

  • For sum insured up to 5.5 lacs Single Private room. 
  • For sum insured 7.5 lacs and above any room category except suite or higher category. 
Inpatient Hospitalisation
pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 60 days before date of hospitalisation. 

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 90 days post discharge from hospital. 

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Domiciliary Treatment
ambulancecover

Ambulance Cover

  •  Up to Rs 2,000 paid per hospitalisation event. 
Alternative Treatments

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured

  • Multiple restoration available in a policy year for unrelated illnesses. 

Alternative Treatments

AYUSH Cover

  • Covered up to sum insured. 

Health Maintenance Benefit (OPD Treatment, no hospitalisation required)

  • Rs 500 per policy year. 

 

expert opinion

Maternity Expenses

  •  Not available

​​ ​maternity expenses
new born baby

New Born Baby Expenses

  •  Not Available

vaccination baby

First Year Vaccinations

  • Not available

Health Check-up

  • Once every 3rd policy year to all insured persons who have completed 18 years of age. 

secondopinion

Expert Opinion on Critical Illness

  • Available once during the policy year. 

Waiting Period for Specific Diseases
No claim Bonus or Cumulative Bonus

Cumulative Bonus

  • Guaranteed 5% increase in sum insured per policy year, maximum up to 200% of sum insured. 

Waiting Period

Waiting Period for Specific disease

  • 2 years

Worldwide Emergency Cover (Outside India)

  • Covered up to sum insured once in a policy year.

Worldwide Emergency Cover

Waiting Period for Specific disease

  •  4 years

No claim Bonus or Cumulative Bonus

About Happoos

We love our families and want to do the best for them. The decisions we make and the actions we take have the needs and the interest of the family at its core. One of the best decisions you can take for your family is to invest in a health insurance policy.