ManipalCigna Health Insurance

The Pro Health range is ManipalCigna's flagship retail product line. Pro Health Prime (₹3 lakh to ₹1 crore sum insured) is available as individual, multi-individual or family floater. Pro Health (₹2.5 lakh to ₹1 crore) comes in variants — Pro Health Accumulate, Pro Health Preferred and Pro Health Plus. Pro Health Select (₹50,000 to ₹25 lakh) is the entry-level plan with no maximum age limit.

Pro Health Cash pays ₹500-5,000 per day during hospitalisation. Pro Health Group (up to ₹1 crore) is the group-product version. Most plans cover ages 91 days to 25 years for children and 18+ for adults. Pre-existing diseases are typically covered after a 2-year waiting period.

Lifetime Health Insurance Policy (₹50 lakh to ₹3 crore sum insured) is built for buyers wanting very high cover. Entry age is 18 to 65 for adults; children 91 days to 25 years. Available as individual or family floater.

Global Health offers coverage up to $10 million — a true international-grade health plan for high-net-worth customers. Children covered from Day 1, adults 18 to 95 years. This is the closest you get in India to global private medical insurance.

For buyers looking for IRDAI-standardised plans with uniform features across insurers, ManipalCigna offers the Arogya Sanjeevani Policy (up to ₹10 lakh) and Saral Suraksha Bima (up to ₹1 crore). These are easier to understand than custom plans because the terms are regulator-defined.

Secure Health (up to ₹5 lakh) is the entry-level retail plan covering individuals 18-65. Newborns are covered from 0 days; dependent children up to 17 years.

Lifestyle Protection — Accident Care covers up to ₹10 crore, and Accident Shield goes up to ₹25 crore — among the highest accident covers in India. Entry ages run from 18-80 for adults and 5-25 for children. Available on individual and family basis.

Lifestyle Protection — Critical Care covers critical illness from ₹1 lakh to ₹25 crore. Entry 18-65. Lump-sum payout on first diagnosis of named critical conditions covers stroke, paralysis, cancer and other conditions.

The Super Top-Up Policy (₹3-30 lakh sum insured) lets buyers extend total cover at a low marginal premium on top of an existing base policy. Entry from 18 years (no maximum) for adults; 91 days to 23 years for children.

Top-ups are particularly cost-effective for families where an employer already provides a base group cover. Add a ₹15-20 lakh super top-up over an existing ₹5 lakh base for very high total cover at modest premium.

Flexicare Group (up to ₹5 crore) covers employees and dependents from Day 1 for children up to 25 years. Available as family floater. Group Overseas (up to $50 lakh) covers international travel and overseas group employees.

For employers building employee-benefit programmes, ManipalCigna's group portfolio is competitively priced and feature-rich. Wellness rewards and OPD networks scale across group cover too.

Five named riders extend cover on top of base plans. Critical Illness Rider pays a lump sum on first diagnosis. Personal Accident Rider covers disability or death from accidents. Ambulance Rider covers emergency ambulance services. Room Rent Waiver Rider lets you stay in higher-category hospital rooms without extra cost. Maternity Rider covers prenatal, postnatal, C-section and newborn baby care.

Hospital Cash Rider (fixed daily allowance) and Top-Up Rider (continued cover after sum insured exhaustion) are also available. Riders make sense for buyers who want plan customisation without changing the base plan.