ManipalCigna Plans

ManipalCigna Prohealth Group Insurance

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ProHealth Group Insurance Policy offers comprehensive coverage to employees of an organization, members of a society or professional association or an affinity group. This group health insurance plan has been designed to provide medical coverage to members of the group in the event of hospitalization due to illness or injury. This plan offers a excellent and extensive protection with base covers and a range of multiple options to choose as required by the groups.

Who is eligible for this plan?

  • Min Entry Age: day 1 of birth up to 25 years of age.
  • Sum Insured options from ₹ 5, 000 up to ₹ 100 Lacs.
  • It is available to any homogeneous group/association/ institution/corporate body provided it has a Central administration and subject to minimum group size of 7 persons.

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
62.00%
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
90.02%
List of network hospitals
6,500+ hospitals
Number of policies issued *
229,817
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
1,101,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna Prohealth Group Insurance Benefits

  • Benefits
  • Coverage

ManipalCigna Prohealth Group Benefits

Plan offers an all-round coverage including 7 inbuilt benefits under Base cover and 41 benefits under Optional covers. Base coverage includes:
  • In-patient Hospitalisation Expenses Cover
  • Day Care Treatment Cover
  • Pre-Hospitalisation Medical Expenses Cover
  • Post-Hospitalisation Medical Expenses Cover
  • Road Ambulance Cover
  • Domiciliary Hospitalisation Cover
  • Donor Expenses Cover

Coverage of Prohealth Group Insurance

  • Employees and dependents are covered. Children are covered from day 1 to 25 years of age

Manipal Cigna health insurance FAQ's

In emergency hospitalization the patient is admitted to the hospital in an emergency situation, for e.g. Severe abdominal pain, accident, heart attack etc. In such event, we should be intimated within 48 hours of admission to the hospital.

You should submit your claim within 15 days from date of discharge from the hospital.

We will not be liable to pay for any claim arising out of an injury/ accident/ condition that occurred during the grace period.

If two of more policies are taken by you during the same period from one or more insurers to indemnify treatment costs and the amount of claim is within the sum insured limit of any of the policies, you will have the right to opt for a full settlement of your claim in terms of any of your policies.
Where the amount to be claimed exceeds the sum insured under a single policy after considering deductibles, co-pays (if applicable), you can choose the insurer with which you would like to settle the claim. Wherever we receive such claims we have the right to apply the contribution clause while settling the claim.

For cashless claims, the payment shall be made to the network hospital whose discharge would be complete and final. For reimbursement claims, the payment will be made to you. In the unfortunate event of death of policy holder, we will pay the nominee (as named in the policy schedule) and in case of no nominee to the legal heir who holds a succession certificate or indemnity bond to that effect, whichever is available and whose discharge shall be treated as full and final discharge of its liability under the policy.

You may submit the claim form along with the documents for reimbursement of the claim to the nearest ManipalCigna branch or head office at your own expense not later than 15 days from the date of discharge from the hospital.

Brochure

Review ManipalCigna Prohealth Group Insurance brochure to understand coverage details.


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Proposal form

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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