ManipalCigna Health Insurance - ProHealth Group Plan starting at Rs. 6,606*
Key features
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 this policy
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Cashless claims facility at 6,500+ network hospital
Get cashless treatment facilities across 6,500+ network hospitals under this policy. The hospital bills will be directly settled by ManipalCigna Health Insurance company.
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Covers for in-patient hospitalisation expenses
Get coverage for hospitalisation of more than 24 hours, including fees and charges against room, ICU, nursing, doctor, surgeon, oxygen, operation theatre 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 and cumulative bonus or cumulative bonus booster are 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 per year 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
This policy provides coverage for home treatment in case your condition isn’t suitable for hospital transfer or if there is no hospital bed available.
Eligibility criteria and documents required
Anyone can apply for ManipalCigna ProHealth Group Plan as long as you meet these basic criteria mentioned below. If you meet all 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 PAN Card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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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 basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.
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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 be pre-filled. All you need to do is check if the details are correct and click ‘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.
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After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
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, including fees and charges against room, ICU, nursing, doctor, surgeon, oxygen, operation theatre and other medical expenses |
| AYUSH treatment | Treatments such as Ayurveda, unani, sidha, homoeopathy, yoga, and naturopathy |
| Organ donor expenses | Donor’s in-patient hospitalisation expenses |
| Pre- and post-hospitalisation | Coverage of medical expenses 60 days before and 90 days post-hospitalisation |
| 500+ daycare treatment | Coverage for daycare procedures that need less than 24 hours of hospitalisation |
| Domiciliary treatment | Coverage for home treatment in case hospitalisation is not possible |
| Road ambulance cover | Up to Rs. 2,000 per hospitalisation |
| Key exclusions | Description |
|---|---|
| Dental treatment | Dental treatments and cosmetic surgeries are not covered under the policy |
| Substance abuse | Ailments requiring treatment due to use or abuse of any substance, drug, or alcohol and treatment for de-addiction |
| Plastic surgery | Cosmetic, aesthetic, and re-shaping treatments and surgeries |
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
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned 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+ Manipal Cigna 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 out and submit the pre-authorisation form available at the insurance desk of the hospital. Alternatively, you can 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, an initial approval will be given by the insurer to start with hospital procedures.
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Step 5 - Claim settlement
After assessing your claim requirement, an initial approval will be given by the insurer to start with hospital procedures.
On approval: Following approval, the insurance provider will send the network hospital a legally signed authorisation letter. The hospital will be informed regarding the necessary paperwork. Furthermore, authorisation will be granted only after the appropriate documents have been received.
Formalities for discharge: The network hospital will submit to the insurance provider the final request for authorisation of any residual amount, the final hospital bill, and the discharge narrative. The patient will be discharged after the company's final authorisation letter is received. The claimant will be responsible for any inadmissible expenses, such as co-payments or deductions (if applicable).
A settlement with the hospital authority: The claim will be examined and paid directly by the insurer after the network hospital delivers the original claim document.
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
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned 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 required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer 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. The amount will be transferred to your registered bank account.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with ManipalCigna Health Insurance.
- Claim form (Part A and B). Part A to be filled by the insured and Part B to be filled 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
This policy secures you financially against all medical-related expenses. You can claim for cashless treatment or reimbursement against in-patient hospitalisation, pre-and post-hospitalisation, 500+ daycare procedures and domiciliary treatment expenses. The policy also offers coverage for additional treatment expenses taken at home or hospital that include modern treatment methods and expenses related to enteral feedings up to 15 days every year.
This policy is exclusively designed for Bajaj Finance customers. Any existing customer with us, holding Indian nationality can buy the policy. The age criteria for this policy are 18 to 65 years of age for adults and between 91 days and 25 years of age for dependent children.
Yes, Manipal Cigna ProHealth Group Plan offers coverage for pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for up to 90 days.
In cashless insurance services, medical bills are settled directly by the insurance company without the policyholder having to pay from their own pocket. With the ManipalCigna ProHealth Group plan, you can get cashless treatment facility at 6,500+ network hospitals across India.
With ManipalCigna ProHealth Group Plan, you have the option to avail of the cumulative bonus booster that enables you to earn 25% extra on your sum insured every year for having a claim-free year. You can get a cumulative bonus of up to 200%.
