YOUR HEALTH DESERVES

BETTER!
Presenting

IT'S NOT JUST HEALTH INSURANCE BUT

A COMPLETE HEALTHCARE INSURANCE!

PROTECT PLAN ADVANTAGE PLAN

 HOW IS
PROTECT PLAN & ADVANTAGE PLAN

PRIME
BETTER COVERAGE

An OPD that’s PAID for^

Yes, because health issues don’t have to escalate to hospitalization

every time.

ZERO DEDUCTIONS towards Non-Medical

expenses

To cover all your hospitalization expenses whether medical or

non-medical because why should you pay if you are truly covered.

UNLIMITED RESTORATION UP TO 100%

of Sum Insured
Your coverage restores to 100% of Sum Insured, every time you use
it, any number of times whether for related or unrelated illnesses,

BETTER CONTROL
because a coverage should mean full coverage always.
Applicable from 2nd claim onwards.

The power to SWITCH OFF

Switch off your health insurance for up to 30 days while travelling
abroad and get discount on your renewal premium.

1 YEAR PREMIUM WAIVER

Waiver of one year renewal policy premium due to Accidental Death
or if diagnosed with any of the listed Critical Illnesses.

Advantage of ANY ROOM you would want

Freedom to choose 'Any room' category, suite or above,
as you deem fit.
BETTER CARE

ANNUAL HEALTH CHECK-UP

From 1st year onwards for all the adults insured to take the utmost
care of your health, not just in illness but in wellness too.

WELLNESS PROGRAM
Earn attractive rewards of up to 20% of your base premium for
completing the number of predefined steps towards wellness in a
day. Use these reward points towards a discount on your renewal
premium.

^Available only with Advantage Plan.

LET’S START WITH THE

BASE COVERS
Better Coverages for smooth hospitalization

In-patient Hospitalization Pre-Hospitalization Post-Hospitalization

For hospitalization more Medical expenses Medical expenses incurred
than 24 hours, room incurred up to 60 days up to 180 days post the
charges as well as other before the date of date of discharge to cover
medical expenses. hospitalization. you through your recovery.

Access to Better treatment Road Ambulance Donor Expenses

Coverage for Mental Illnesses, Transportation In-patient
Modern and Advanced expenses incurred for hospitalization cost of
treatments, HIV/AIDS and ambulance to the the donor for an organ
STD. hospital. transplant.

Air Bariatric Daily Cash for Shared

Ambulance Surgery Accommodation to cover
out of pocket expenses
Transportation expenses For medically A fixed daily cash benefit for
to the nearest hospital/ necessary Bariatric each continuous and completed
healthcare facility in case Surgery and its 24 hours of hospitalization in a
of life threatening complications. shared accommodation.
condition demanding Applicable only after 48 hours of
immediate attention. hospitalization. The benefit shall
be payable from 1st day onwards.

Enhanced Coverage with Unlimited Restoration of Sum Insured

In case of multiple hospitalizations for related and unrelated illnesses/injuries
your coverage restores to 100% of Sum Insured, unlimited times in a policy
year so that your coverage remains a full coverage all the time. Restoration
shall be applicable from 2nd claim onwards.

BETTER Coverages for treatments without 24 hours of hospitalization

Outpatient Day care Domiciliary treatment

expenses^ treatment at home
Emergencies may not require We will pay for In case, the condition is not
hospitalization and yet involve medical expenses if suitable for hospital transfer
costs for consultation with doctor, you undergo a or if the hospital bed is not
prescribed lab tests and treatment that needs available, expenses are still
medicines. All of these shall be less than 24 hours of covered.
covered on cashless basis. hospitalization.
^Available only with Advantage Plan.

Get BETTER with AYUSH COVERAGES for Alternative treatments

Ayurveda Yoga & Naturopathy Unani Siddha Homeopathy

In-patient medical expenses for hospitalization towards non-allopathic treatments.

TO MAKE IT EVEN BETTER

VALUE ADDED COVERS

Coverages towards Consultation and Check-Ups

Annual Health Domestic Second Unlimited

Check-up Opinion Tele-Consultation
A flexible health check-up facility 2 opinion, one per policy
nd
Through phone or
annually for adults insured aged year if you are advised a chat mode, available
18 years and above, at our treatment for each of the through our network
network providers irrespective 36 listed Critical Illnesses. providers.
of the claim status. No more
taking the health for granted.

Better Rewards, Discounts and Waivers

Cumulative Bonus up to Wellness Program Premium Waiver

200% of Sum Insured Benefit
Guaranteed Cumulative Earn attractive rewards for We will waive off one year
Bonus of 25% per policy completing the number of renewal policy premium if
year, maximum up to 200% predefined steps towards the Proposer who is also
of Sum Insured, wellness in a day as per Healthy an Insured is diagnosed
irrespective of claim. Life Management Program. with any of the listed
Earn reward points of up to Critical Illnesses or
20% of your base premium and Accidental Death.
use them as a discount in the
renewal premium.

Discount from Switch Off

Network Providers Benefit
Discounts on diagnostics, While traveling outside India
pharmacy and health after the first year of policy, avail
supplements offered through the option to switch off the
our network providers. coverage for maximum of 30
Wherever you go, savings on days and get premium discount
healthcare will follow. at the time of renewal.

PICK ONE TO MAKE YOUR PLAN BETTER

OPTIONAL PACKAGES*
Enhance Plus

Maternity, New Born New Born

& One year vaccination expenses expenses
Coverage for expenses towards delivery, Initial months are the most crucial months
one year vaccinations for new born and for a baby’s long-term health. Medical
even medically necessary termination of expenses incurred towards the treatment of
pregnancy. Up to 2 deliveries in the the child within maternity expenses limit,
lifetime; 10% of Sum Insured per delivery, will be covered until the baby is 90 days old.
subject to a maximum of �1 Lac
 Room Accommodation Health Maintenance Benefit
Get comfort along with treatment We will cover costs of doctor fees,
and avail the option to upgrade to diagnostic tests, drugs, dental treatments
‘Any room’ category during and alternative medicines up to the
hospitalization. reimbursement limit of `3,000 with this
coverage.
Applicable only for Protect Plan

Assure

Room Accommodation Disease specific Modern & Advanced

Limit Sub-limits treatments
Get room category Certain listed diseases get Coverage up to 10%
coverage up to 1% of capped up to certain limits. of Sum Insured.
Sum Insured per day and However, you can customise
2% of Sum Insured your policy to get the desired
incase of ICU. level of support, as per your
expectations and requirements.
Applicable for Sum Insured of `3 Lacs, `4 Lacs and `5 Lacs under Protect Plan

Enhance

Maternity, New Born & New Born expenses Room

One year vaccination expenses Accommodation
Coverage for expenses towards Initial months are the most Get comfort along
delivery, one year vaccinations for crucial months for a baby’s with treatment and
new born and even medically long-term health. Medical avail the option to
necessary termination of expenses incurred towards upgrade to ‘Any room’
pregnancy. Up to 2 deliveries in the treatment of the child category during
the lifetime; 10% of Sum Insured within maternity expenses hospitalization.
per delivery, subject to a limit, will be covered until the
maximum of �1 Lac baby is 90 days old.

Applicable only for Advantage Plan

Freedom (Only for Resident Indians)

Room World-wide Emergency Hospitalization

Accommodation with Outpatient cover
Get comfort along with treatment With this coverage travel worry-free.
and avail the option to upgrade to Because you are protected over and
‘Any room’ category during above the base Sum Insured while you
hospitalization. travel abroad. You can avail emergency
hospitalization and outpatient treatment
outside India up to Sum Insured.
Applicable for Protect and Advantage Plans
*The limits specified under these optional packages shall override the applicable limits mentioned as part of base
cover for the respective coverages.
 ADD MORE TO YOUR COVERAGE WITH BETTER

OPTIONAL COVERS
Additional Coverages

Coverage for Non-Medical items Personal Accident Cover

Covers expenses on non-medical items Applicable to all insured independently, this
up to Sum Insured. coverage ensures twice the Sum Insured up
to maximum of �50 Lacs as lumpsum, in case
if insured person suffers PPD or Accidental
Death which results into death or disability.

Deductible** Infertility treatment

If you opt for the deductible option of say Applicable only with Enhance or
either �10,000 or �25,000, such amount Enhance Plus optional packages,
will get applied on the aggregate of all this covers 2 successful procedures
claims, before we pay-out any eligible limited to IVF/ IUI. Applicable for base
claim from your Sum Insured. Sum Insured > = �7.5 Lacs.

Cumulative Bonus Booster

Guaranteed Cumulative Bonus Booster of 50% per policy year,
maximum up to 200% of Sum Insured, irrespective of claim.

**Deductible is not applicable if Assure optional package is opted.

Add-on Rider
Critical Illness Add-on Cover
Lumpsum benefit up to your opted Sum Insured, in case of first diagnosis
of the covered Critical Illnesses.

DISEASE SPECIFIC

SUB-LIMITS
Sum Insured (in Rs.) `3 and `5 Lacs
`4 Lacs

Treatment for each Ailment/ Procedure mentioned below: `50,000 `65,000

1. Surgery for treatment of all types of Hernia
2. Hysterectomy
3. Surgeries for benign Prostate Hypertrophy
4. Surgical treatment of stones of renal system

Treatment of Cataract (Per Eye) `20,000 `30,000

Treatment of Total Knee replacement (Per knee) `80,000 `1,00,000

Treatment for breakage of bones `2,00,000 `2,50,000

Applicable for Assure Package

 TYPE OF PLAN NAME
COVER
Option from �20,000/30,000/50,000
per policy year, cashless basis for consultation, prescribed
Outpatient Expenses Not Applicable diagnostic and pharmacy expenses. Sub-limit of 20% of
OPD limit shall apply for pharmacy expenses
In-Patient Hospitalization Up to Sum Insured
Single Private AC room
Room Accommodation
BASE COVERS

ICU: Up to Sum Insured

For Sum Insured < �5 Lacs: 50% of Sum Insured
Modern and Advanced Treatments
For Sum Insured > = �5 Lacs: Up to Sum Insured
Mental Illness, HIV/AIDS and STD cover Up to Sum Insured
Pre - Hospitalization 60 Days; Up to Sum Insured
Post - Hospitalization 180 Days; Up to Sum Insured
Day Care Treatment Up to Sum Insured
Domiciliary Hospitalization Up to 10% of Sum Insured
Road Ambulance Up to Sum Insured
BENEFITS AT A GLANCE

Donor Expenses Up to Sum Insured

Restoration of Sum Insured Unlimited Restoration of Sum Insured for unrelated/related illnesses. Applicable from 2nd claim onwards
AYUSH Treatment Up to Sum Insured
Air Ambulance Cover Up to Sum Insured; subject to a maximum of � 10 Lacs; over above the base Sum Insured
Bariatric Surgery Cover Up to Sum Insured; subject to a maximum of �5 Lacs
For Sum Insured up to �10 Lacs: �800 per day up to maximum of �5,600
Daily Cash for Shared Accommodation For Sum Insured > �10 Lacs: �1,000 per day up to maximum of �7,000
Annually from 1st year onwards as per your choice. Limits / Tests basis opted Sum Insured
VALUE ADDED

Health Check-Up
Domestic Second Opinion Once during a Policy Year for each of the 36 listed Critical Illnesses
Unlimited Tele-consultation in a Policy Year
COVERS

Tele- Consultation
Cumulative Bonus Guaranteed Bonus of 25% of base Sum Insured per policy year maximum up to 200% of base Sum Insured
Switch Off Benefit Switch off the cover after 1 year for a maximum period of 30 days while travelling abroad
Wellness Program Earn rewards up to 20% of base premium through completing Healthy Life Management Program
Discount on pharmacy, diagnostics and health supplements offered by the
Discounts from Network Providers
network providers of ManipalCigna Health Insurance Company Limited

Waives off one year renewal Policy Premium upon occurrence of

Premium Waiver benefit
Accidental Death or diagnosis of any of the listed Critical Illnesses
1. Upgrade to ‘Any room’ category
2. Health Maintenance Benefit up to �3,000
Enhance Plus 3. Maternity (up to 2 deliveries in the lifetime) + New Born Not Applicable
+ 1st year vaccination expenses - up to 10% of
PACKAGES *
OPTIONAL

Sum Insured; subject to a maximum of �1 Lac

1. Room Rent - Up to 1% of Sum Insured per day
Assure ICU - Up to 2% of Sum Insured per day
(Applicable for Sum Insured 2. Disease specific sub-limits Not Applicable
�3 Lacs, �4 Lacs and �5 Lacs) 3. Capping on Modern and Advanced Treatments up to
10% of Sum Insured
1. Upgrade to ‘Any room’ category
2. Maternity (up to 2 deliveries in the lifetime) + New Born +
Enhance Not Applicable 1st year vaccination expenses - up to 10% of Sum Insured;
subject to a maximum of �1 Lac
1. Upgrade to 'Any room' category
Freedom (Only for Resident Indians) 2. Worldwide Emergency Hospitalization with Outpatient Cover (including Accidental Hospitalization) up to
Sum Insured; over and above base Sum Insured. Available only on reimbursement basis
Non-Medical Items Up to Sum Insured
OPTIONAL
COVERS

Deductible** �10,000 & �25,000 Not Applicable

Infertility Treatment Coverage for IUI and/or IVF, up to �2.5 Lacs, over and above the Maternity limit.
(Option available with Enhance / Maximum up to 2 successful procedures shall be covered during the lifetime of the insured
Enhance Plus - Optional Packages) Applicable if base Sum Insured > = �7.5 Lacs
Personal Accident Cover Fixed benefit equal to 2 times of base Sum Insured up to a maximum of �50 Lacs
Cumulative Bonus Booster
(For Sum Insured �5 Lacs and above) 50% of Sum Insured up to a maximum of 200%

ADD
ManipalCigna Critical Illness Add On Cover Lumpsum payment up to additional 100% of Sum Insured Opted
ON RIDER
Initial Waiting Period 30 Days
WAITING
PERIODS

Specified disease/procedure Waiting Period 24 Months

For Sum Insured up to �5 Lacs: 36 Months
Pre-existing Diseases Waiting Period
For Sum Insured �7.5 Lacs and above: 24 Months
Bariatric Surgery 36 Months
Maternity Waiting Period 36 Months
Initial Waiting Period - 90 Days
ManipalCigna Critical Illness Add On Cover
Survival Period - 30 Days
**Deductible is not applicable if Assure optional package is opted. Terms and conditions apply
*The limits specified under these optional packages shall override the applicable limits mentioned as part of base cover for the respective coverages.
 KEY APPLICABILITY AND

ELIGIBILITY
Min/Max Entry Age:
Adults: 18 years to no limit
Children: 91 days to 25 years
Sum Insured option (in Rs.): 3/4/5/7.5/10/12.5/15/20/25/30/40/
50/100 Lacs
�3 and 4 Lacs Sum Insured is available only with Protect Plan
Policy Type: Individual/ Multi-Individual and Family Floater options
Premium Payment Options: Single/ Half-yearly/ Quarterly/ Monthly
Policy Term: 1/2/3 years
Lifetime Renewability
Relationships Covered:

Individual Plan Floater Plan

Self, spouse, children, parents, siblings, Self, spouse, children and
parents-in-law, grandparents and parents. A floater cover can
grandchildren, son-in-law & insure a maximum of 2 adults
daughter-in-law, uncle, aunt, nephew and 3 children under a single
and niece policy

KEY

EXCLUSIONS #
We will not Cover any costs towards
Contamination from Foreign invasion
Nuclear fuel or radiation or civil war

Breach of Law
Hazardous or
Adventure sports

For complete list of exclusion please refer to the Terms and conditions.
#

DISCOUNTS
Standing Long Term Family Wellness
Instruction Discount Discount Discount
Discount
2 years 2 or more
members up to

3% 7.5% 20% 20%

on renewal 3 years in case of For completing
premium
10% multi-
individual
certain number
of steps
policy

REWARD STRUCTURE

BASIS STEPS
Healthy Life Management Program - Rewards Structure

No. of days 240 days and above 180 - 239 days 120 - 179 days
No. of steps
10,000 steps and above per day 20% 15% 10%
8,000 - 9,999 steps per day 15% 10% 5%
6,000 - 7,999 steps per day 10% 5% NIL
Less than 6,000 steps per day NIL NIL NIL
At ManipalCigna, we're more than a health insurance company. As your partner in illness
and wellness, our mission is to improve the health, well-being, and peace of mind of those
we serve by making health care Affordable, Predictable and Simple. Our goal is to provide
our customers with easy and lifetime access to quality healthcare with “no compromises,
no surprises” so they can live a healthier and more secure life.

Your expert Health Insurance Advisor has the answer.

1800-102-4462 [email protected] www.manipalcigna.com

Prohibition of Rebates (under section 41 of Insurance Act, 1938, as amended):

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
person to take or renew or continue an insurance in respect of any kind of risk relating to lives
or property in India, any rebate of the whole or part of the commission payable or any rebate of
the premium shown on the policy, nor shall any person taking out or renewing or continuing a
policy accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurer. Any person making default in complying with
the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Disclaimer: ManipalCigna Health Insurance Company Limited (Formerly known as CignaTTK

Health Insurance Company Limited) | CIN: U66000MH2012PLC227948 | IRDAI Reg. No.: 151 |
Regd. Office: 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon
East, Mumbai – 400 063 | For more details on risk factors, terms and conditions, please read
the sales brochure/ sales document available on our website (Download section) before
concluding a sale | Trade Name / Trade Logo belongs to MEMG International India Private
Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health
Insurance Company Limited under license | ManipalCigna ProHealth Prime UIN:
MCIHLIP22224V012122 | Toll free: 1800-102-4462 | Website: www.manipalcigna.com | ARN:
ADV/0662/Mar/2021-22

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