ManipalCigna Health Insurance - ProHealth Group Plan starting at Rs. 6,606*
Product highlights
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits of the policy
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Manipal Cigna Pro Health Group Plan
Get comprehensive group health insurance for a premium starting at just Rs. 6,606* annually.
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Cashless claims facility at 6,500+ network hospital
Get cashless treatment facilities across 6,500+ network hospitals under this policy. ManipalCigna Health Insurance company will directly settle the bills with the hospital.
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Covers for in-patient hospitalisation expenses
Get coverage for hospitalisation of more than 24 hours. Covers fees against nursing, doctor, and surgeon. Also, room rent, ICU charges, oxygen, operation theatre costs and other medical expenses.
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100% sum insured restoration
Get 100% restoration on your sum insured in a policy year if the original sum insured gets exhausted. Also, if the cumulative bonus or cumulative bonus booster is insufficient to settle a claim.
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Additional coverage for treatments taken at home/hospital
The policy also covers modern treatment methods and expenses related to enteral feedings up to 15 days every year. Avail the coverage under in-patient hospitalisation, daycare, or domiciliary treatment.
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Pre-and post-hospitalisation expenses coverage
Get coverage for medical expenses on treatments required from 60 days before and until 90 days after hospitalisation.
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500+ daycare treatment procedures covered
Get coverage for 500+ daycare procedures that need less than 24 hours of hospitalisation.
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Voluntary co-pay
You can choose to pay the first 10/20% of the claim amount, and the insurer will compensate the rest. The co-pay option enables the insured to pay a lower premium amount for the policy.
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Increase your sum assured with a cumulative bonus booster
You have the option to increase your sum insured by 25% with the cumulative bonus booster benefit every year, irrespective of the claims raised. You can accumulate a bonus of up to 200%.
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Domiciliary treatment coverage
Get coverage for home treatment if the insured cannot be taken to the hospital or if no hospital bed available.
Eligibility criteria and documents required
Anyone who meets the below basic criteria can apply for ManipalCigna ProHealth Group plan. If you meet the eligibility criteria, we will need some basic information to complete your application process.
Eligibility criteria
- Available exclusively for Bajaj Finance customers
- Nationality: Indian
- Age (adults): 18-65 years
- Age (dependent children): 91 days to 25 years
Documents required
- Date of birth as per the PAN card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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How to apply for ManipalCigna ProHealth Group Plan
Watch this video to know how you can apply for this plan in a few simple steps.
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Step 1
Click on ‘Get Quote’ to open our online application form.
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Step 2
Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 5
Choose ManipalCigna ProHealth Group from the list of health insurance policies and click on ‘Buy Now’.
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Step 6
Your personal details, based on our records, will appear pre-filled. All you need to do is check if the details are correct and click on ‘Next’.
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Step 7
Enter your address and nominee details.
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit, or credit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. You will receive the policy document copy on your registered email ID within 5-7 working days.You will also receive an SMS confirmation immediately after processing the payment successfully.
You can also access your policy details through the ‘My Account’ section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the ManipalCigna ProHealth Group Plan:
- With co-pay
- Without co-pay
| Policy details | Description |
|---|---|
| Policy Type | Individual/family floater (only for customers of Bajaj Finance Ltd.) |
| Starting premium (in Rs.) | 6,606* |
| Sum insured (in Rs.) | Up to 10 lakh |
| Policy term | One year |
| Renewal | Lifetime renewability |
| Number of members covered | 6 members (2 adults + 4 children) |
| Policy details | Description |
|---|---|
| Policy Type | Individual/family floater (only for customers of Bajaj Finance Ltd.) |
| Starting premium (in Rs.) | 7,134* |
| Sum insured (in Rs.) | Up to 5 lakh |
| Policy term | One year |
| Renewal | Lifetime renewability |
| Number of members covered | 6 members (2 adults + 4 children) |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the ManipalCigna ProHealth Group Plan:
- Key inclusions
- Key exclusions
| Key Inclusions | Description |
|---|---|
| In-patient hospitalisation | Covers hospitalisation for more than 24 hours. Covers room rent, ICU charges. Also, nursing and doctor, and surgeon fees. You also get coverage for oxygen, operation theatre, and other medical expenses. |
| AYUSH treatment | Covers treatments such as ayurveda, unani, sidha, homoeopathy. Also, yoga, and naturopathy. |
| Organ donor expenses | Covers donor’s in-patient hospitalisation expenses. |
| Pre-and post-hospitalisation | Covers medical expenses from 60 days before and 90 days after hospitalisation. |
| 500+ daycare treatment | Covers daycare procedures that need less than 24 hours of hospitalisation. |
| Domiciliary treatment | Covers home treatment if the insured person cannot go to the hospital or due to non-availability of hospital bed. |
| Road ambulance cover | Get up to Rs. 2,000 for ever hospitalisation. |
| Key exclusions | Description |
|---|---|
| Dental treatment | Dental treatments and cosmetic surgeries not covered under the policy. |
| Substance abuse | Treatments for illnesses arising from abuse of any substance, drug, or alcohol not covered. Also, treatment for de-addiction. |
| Plastic surgery | Cosmetic, aesthetic, and re-shaping treatments and surgeries not covered. |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with ManipalCigna Health Insurance.
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Step 1 - Contact the insurer
Contact the insurer within 48 hours of emergency hospitalisation. For planned hospitalisation, contact three days before hospitalisation.
1. Toll-free: 1800-102-4462
2. E-mail: customercare@manipalcigna.com -
Step 2 - Locate a network hospital near you
You can get cashless treatment at 6,500+ ManipalCigna Health Insurance network hospitals across India. Click here to locate a hospital near you.
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Step 3 - Submit the pre-authorisation form
Fill and submit the pre-authorisation form available at the hospital insurance desk. You can also download the form by visiting the insurer’s website and fill it beforehand.
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Step 4 - Medical procedure starts
After assessing your claim requirement, the insurer will give an initial approval to start with hospital procedures.
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Step 5 - Claim settlement
The insurer will review and verify the documents and process the claim per the policy terms and conditions. Insurer will directly settle the bills with the hospital.
On approval: Following approval, the insurance provider will send the network hospital a legally signed authorisation letter. Insurer will inform the hospital regarding the necessary paperwork. Furthermore, insurer will grant authorisation only after receiving the appropriate documents.
Formalities for discharge: The network hospital needs to submit the final authorisation request with any residual amount, the final hospital bill, and the discharge narrative. The patient gets discharged after the hospital receives insurer's final authorisation letter. The claimant will be responsible for any inadmissible expenses, such as co-payments or deductions (if applicable).
A settlement with the hospital authority: Insurer will examine the claim documents and pay the hospital directly.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with ManipalCigna Health Insurance, follow these steps.
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Step 1 - Contact the insurer
Contact the insurer within 48 hours of emergency hospitalisation. For planned admissions, contact three days before hospitalisation.
1. Toll-free: 1800-102-4462
2. E-mail: customercare@manipalcigna.com -
Step 2 - Settle all hospital bills
Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
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Step 3 - Submit necessary documents
Submit the reimbursement claim form and hospital discharge summary at the insurer’s nearest branch office. Also, bills and prescriptions. Submit the documents within 15 days after getting discharged from the hospital.
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Step 4 - Claim settlement
The insurer will analyse the admissibility of the claim after receiving all claim-related documentation and process the same. Insurer will transfer the amount to your registered bank account.
Documents required for raising a claim request
Here is the list of documents that you need to raise a claim request with ManipalCigna Health Insurance.
- Filled claim form (part A by the insured and part B by the hospital)
- Valid ID proof (PAN, voter ID, passport)
- Original discharge summary
- Original hospital bills and payment receipts
- All doctor consultation papers
- FIR copy or post-mortem report in case of an accident or death
Frequently asked questions
ManipalCigna ProHealth Group Policy covers all medical-related expenses. Get coverage for in-patient hospitalisation, pre-and post-hospitalisation expenses. Also, get coverage for 500+ daycare procedures and domiciliary treatment expenses. Covers modern treatment methods and expenses related to enteral feedings up to 15 days every year. You can claim the coverage through cashless treatment facility or get a reimbursement.
Any existing Bajaj Finance customer can buy the policy. Any Indian individual between the age group of 18-65 years can apply for the policy. Policyholder can get their depended children between 91 days and 25 years of age covered under the policy.
Yes, ManipalCigna ProHealth Group Insurance covers medical expenses from 60 days before and 90 days after hospitalisation.
With cashless hospitalisation/cashless treatment, the insured can get treatment at any of the network hospitals without paying cash. The insurer settles the bills with the network hospital directly. With the ManipalCigna ProHealth Group Insurance, you can get cashless treatment facility at 6,500+ network hospitals across India.
With ManipalCigna ProHealth Group Insurance, you have the option to avail of the cumulative bonus booster. The booster benefit enables you to earn 25% extra on your sum insured every claim-free year. You can get a cumulative bonus up to 200%.
