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Manipal Cigna

Manipal Cigna

ProHealth Prime Active

ManipalCigna ProHealth Prime Active is a plan specifically designed for those with Asthma, Diabetes, Hypertension, Dyslipidemia, and Obesity. If are suffering from any of these pre-existing conditions then you’ll only have to wait 90 days (as opposed to 2 years) after buying the policy to avail coverage for complications arising out of said conditions. If not, then you’ll find that this plan is expensive and it’s not the most comprehensive product on the market.

What's good here?

ped

Reasonable waiting period for pre-existing diseases

If you are already dealing with Asthma, Diabetes, Hypertension, Dyslipidaemia & Obesity related conditions, then the insurer will cover you after 90 days. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 2 years before they start covering these complications.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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restoration

Good Restoration Benefit

You will have 100% of the cover restored any number of times, so that you can use this benefit in the event you have to endure multiple hospitalizations in a bid to treat a different complication In the same year, by the way.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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What's bad here?

coPay

You will have to pay a portion of the bill

The policy will only cover 90% of the final bill. The rest is on you. They call this a co-payment.

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diseaseSublimit

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Hernia, Hysterectomy, benign Prostate Hypertrophy, stones, Cataract, Total Knee replacement, breakage of bones and some modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.

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What's okay here?

roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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domiciliary

Some coverage if you are forced to hospitalize at home

The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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healthCheckup

No free Health Checkups unless you wait 3 years

If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 3 years. However, just so you know, most insurance policies offer free yearly health checkups.

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Add-ons

Consumables Cover

With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

Waiver of Mandatory co-payment

With this add-on, you get the mandatory co-payment waived off.

Worldwide Accidental Emergency Hospitalization Cover

With this rider, you get international coverage upto 100% of the sum insured over and above the base cover for accidental emergency hospitalization.

Frequently Asked Questions

Yes. ProHealth Prime Active imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
  • 90 days waiting period for illnesses and conditions arising out of Asthma, Diabetes, Hypertension, Dyslipidaemia & Obesity.
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