ManipalCigna Plans & Details
ManipalCigna Plans & Details
1. Lifetime Health (India & Global)
- Sum Insured Range: ₹ 50 Lakhs to ₹ 3 Crore.
- Eligibility:
• Adults: 18-65 years; Children: from 91 days up to 25 years. - Policy Terms: Can choose policy period of 1, 2 or 3 years. Discounts for multi-year policies (e.g. ~7.5-10%).
- Key Features:
• Unlimited restoration (for unrelated illnesses) so you are not left short of cover.
• Global plan option (for hospitalisation & major illnesses outside India) with separate domestic / global SI.
• Optional packages: Global+, Women+ (women-specialized), Health+ (extra coverage).
2. Critical Illness Cover
- Sum Insured Range: ₹ 1 Lakh to ₹ 25 Crore. Often up to ₹ 3 Crore depending on underwriting.
- Eligibility / Ages: Entry age typically 18-65 years.
- Key Features:
• You can opt for covering 15 or 30 critical illnesses depending on version selected.
• Payout options: Lump-sum on diagnosis or staggered payout (part upfront, remainder over time).
• Access to online wellness programmes.
3. ProHealth / ProHealth Select / ProHealth Prime / ProHealth (Family & Individual)
- Sum Insured Ranges:
• ProHealth Select: up to ~ ₹ 25 lakhs.
• ProHealth Preferred etc: ~ ₹ 15-50 lakhs for some variants.
• Also there are higher SI ones under “Lifetime Health / ProHealth Accumulate” etc. - Eligibility:
• Minimum age: sometimes from 91 days (for children).
• Adult entry age typically 18 years; in some cases “no upper limit” for adult under some ProHealth-Prime/Family etc. - Key Features:
• Pre-hospitalisation and post-hospitalisation cover.
• Day care treatments, ambulances, AYUSH etc.
• Often cumulative bonus for claim-free years.
4. Lifestyle Protection — Critical Care / Accident Care / Other Variants
- Critical Care Plan:
• Entry age: ~18-65 years.
• Sum insured: ₹ 1 Lakh up to very high limits (₹ 25 Crore in some cases).
• Covers specified critical illnesses (15 or 30). - Accident Care Plan:
• Entry age: Adults ~18-80 years; children from ~5-25 years depending on variant.
• Sum insured: ₹ 50,000 up to large amounts like ₹ 10 Crore.
5. Other notable plans / variants
- Saral Suraksha Bima: Accident / simple coverage plan. Eligibility from ~3 months age, up to maybe 70 years. Sum insured ~ ₹ 2.5 Lacs to ₹ 1 Crore.
- Super Top-Up: For adding higher layer of protection over base cover. Details vary; sum insured limited in top-up ranges, entry age 91 days for children, etc
