{"uin":"MCIHLIP26036V022526","name":"ManipalCigna ProHealth Prime","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526","insurer":{"slug":"manipal-cigna-health-insurance","name":"Manipal Cigna Health Insurance Company Limited","url":"https://indiainsurances.com/insurer/manipal-cigna-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Individual","kind":"product","status":"active","approved_on":"2022-03-09","withdrawn_on":null,"summary":"ManipalCigna ProHealth Prime is an indemnity health insurance product with Active, Protect and Advantage plan variants. The product has 30 days free look, 30 days initial illness waiting period, restoration of sum insured, zone-based pricing, and optional packages or covers depending on the plan.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:46:18.273065+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Active","Protect","Advantage"],"display":"Active, Protect and Advantage","note":null,"quote":"MANIPALCIGNA PROHEALTH PRIME Plans: Active Policy Contract ... MANIPALCIGNA PROHEALTH PRIME Plans: Protect | Advantage Policy Contract ... Identify your Plan | Protect | Advantage","sources":[{"clause":null,"heading":"MANIPALCIGNA PROHEALTH PRIME Plans: Active Policy Contract","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-manipalcigna-prohealth-prime-plans-active-policy"},{"clause":null,"heading":"MANIPALCIGNA PROHEALTH PRIME Plans: Protect | Advantage Policy Contract","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-manipalcigna-prohealth-prime-plans-protect-advan"},{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy terms shown are 1, 2 and 3 years.","display":"1, 2 or 3 years","note":null,"quote":"1 Year Policy | 13000 | 1617 (4850*1/3 as Insured is renewing 3 Year policy to 1 Year Policy) | 11383\n2 Years Policy | 27000 | 3233 (4850*2/3 as Insured renewing 3 Year policy to 2 Year Policy) | 23767\n3 Years Policy | 42000 | 4850 (Insured renewing to the same policy tenure of 3 years) | 37150","sources":[{"clause":null,"heading":"Renewal of Policy as per below table","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-renewal-of-policy-as-per-below-table"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Planned hospitalization must be intimated at least 48 hours before admission. Emergency hospitalization must be intimated within 24 hours of admission.","display":"Planned: at least 48 hours before admission; emergency: within 24 hours of admission","note":null,"quote":"Planned Hospitalization, You/the Insured Person will intimate such admission at least 48 hours prior to the planned date of admission.\n• Emergency Hospitalization, You /the Insured Person will intimate such admission within 24 hours of such admission.","sources":[{"clause":null,"heading":"G.I.3. Claim Intimation","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-g-i-3-claim-intimation"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form duly signed","Copy of photo ID of patient","KYC documents (Photo ID proof, address proof, recent passport size photograph)","Cancelled cheque for NEFT payment","Payment receipt","Hospital Discharge summary","Operation Theatre notes/ ICP papers","Hospital Main Bill","Hospital Break up bill","Investigation reports","Original investigation reports, X Ray, MRI, CT films, HPE, ECG etc.","Doctors reference slip for investigation","Pharmacy bills, prescription and invoices","Copy of FIR/Panchnama / Police Inquest Report (if conducted) duly attested by the concerned Police Station in case of Accident."],"display":"Claim form, photo ID, KYC, cancelled cheque, payment receipt, hospital bills, discharge summary, investigation reports, prescriptions and accident police documents if applicable","note":null,"quote":"Common claim documents required for all claims:\n• Claim form duly signed\n• Copy of photo ID of patient\n• KYC documents (Photo ID proof, address proof, recent passport size photograph)\n• Cancelled cheque for NEFT payment\n• Payment receipt ... 1 | In-patient Hospitalization | • Hospital Discharge summary • Operation Theatre notes/ ICP papers • Hospital Main Bill • Hospital Break up bill • Investigation reports • Original investigation reports, X Ray, MRI, CT films, HPE, ECG etc. • Doctors reference slip for investigation • Pharmacy bills, prescription and invoices • Copy of FIR/Panchnama / Police Inquest Report (if conducted) duly attested by the concerned Police Station in case of Accident.","sources":[{"clause":"Row 1(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-row-1-a"},{"clause":"Row 1","heading":"In-patient Hospitalization","page":47,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-row-1-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject non-cashless claims within 15 days from submission of necessary claim documents. Delay attracts interest at 2% above the bank rate from submission of necessary claim documents to payment.","display":"Within 15 days from submission of necessary claim documents; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject the claim, as the case may be, within 15 days (other than cashless) from date of submission of necessary claim documents.\nii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from date of submission of necessary claim documents to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":null,"heading":"F.I.3 Claim Settlement (provision for Penal","page":37,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-3-claim-settlement-provision-for-penal"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complaints first go through the insurer's website, customer care email, toll-free number, branch or corporate office. If not satisfied, the insured may contact the Grievance Cell and grievance officer at ManipalCigna Health Insurance Company Limited, Techweb center 2nd Floor New Link Rd, Anand Nagar, Jogeshwari West, Mumbai 400102, or headcustomercare@manipalcigna.com, before approaching the Ombudsman.","display":"Contact ManipalCigna customer care first, then the Grievance Cell/grievance officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of the grievance through Our website:www.manipalcigna.com Email: customercare@manipalcigna.com, Senior Citizens may write to us at: seniorcitizensupport@manipalcignacom Toll Free: 1800-102-4462 Contact No.: + 91 22 71781300 ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at, ‘The Grievance Cell, ManipalCigna Health Insurance Company Limited, Techweb center 2nd Floor New Link Rd, Anand Nagar, Jogeshwari West, Mumbai, Maharashtra 400102, India or Email: headcustomercare@manipalcigna.com.","sources":[{"clause":null,"heading":"F.I.16. Redressal of Grievance","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-16-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Active: Rs. 3 Lacs, Rs. 5 Lacs, Rs. 7.5 Lacs, Rs. 10 Lacs, Rs. 12.5 Lacs and Rs. 15 Lacs. Protect: Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs, Rs. 7.5 Lacs, Rs. 10 Lacs, Rs. 12.5 Lacs, Rs. 15 Lacs, Rs. 20 Lacs, Rs. 25 Lacs, Rs. 30 Lacs, Rs. 40 Lacs, Rs. 50 Lacs and Rs. 100 Lacs. Advantage: Rs. 5 Lacs, Rs. 7.5 Lacs, Rs. 10 Lacs, Rs. 12.5 Lacs, Rs. 15 Lacs, Rs. 20 Lacs, Rs. 25 Lacs, Rs. 30 Lacs, Rs. 40 Lacs, Rs. 50 Lacs and Rs. 100 Lacs.","display":"Active: Rs. 3 Lacs to Rs. 15 Lacs; Protect: Rs. 3 Lacs to Rs. 100 Lacs; Advantage: Rs. 5 Lacs to Rs. 100 Lacs","note":"The Active plan chart text appears OCR-corrupted around the Rs. 10 Lacs option, but lists the Active range up to Rs. 15 Lacs.","quote":"Identify your Opted Sum Insured (in `) | `3 Lacs, `4 Lacs, `5 Lacs, `7.5 Lacs, `10 Lacs, `12.5 Lacs, `15 Lacs, `20 Lacs, `25 Lacs, `30 Lacs, `40 Lacs, `50 Lacs, `100 Lacs | `5 Lacs, `7.5 Lacs, `10 Lacs, `12.5 Lacs, `15 Lacs, `20 Lacs, `25 Lacs, `30 Lacs, `40 Lacs, `50 Lacs, `100 Lacs ... Basic Cover | Identify your Opted Sum Insured (in `) | `3 Lacs, `5 Lacs, `7.5 Lacs, `/DFV`12.5 Lacs, `15 Lacs","sources":[{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"},{"clause":null,"heading":"Ombudsman","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-ombudsman"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days of continuous coverage from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"E.I.3 30 days Waiting Period - Code- Excl. 03","page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-e-i-3-30-days-waiting-period-code-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Active plan: 24 months. Protect/Advantage: 24 months for Sum Insured Rs. 7.5 Lacs and above, and 36 months for Sum Insured up to Rs. 5 Lacs.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with Us. ... 24 months of continuous coverage from the date of commencement of coverage for Sum Insured `7.5 Lacs and above\nb) 36 months of continuous coverage from the date of commencement of coverage for Sum Insured Up to `5 Lacs.","sources":[{"clause":"36(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-36-a-7"},{"clause":null,"heading":"E.I Standard Exclusions","page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-e-i-standard-exclusions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus or myomectomy for fibroids unless necessitated by malignancy","Knee Replacement Surgery (other than caused by an Accident)","Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis","Joint Replacement Surgery (other than caused by Accident)","Prolapse of Intervertebral discs(other than caused by Accident)","all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems including calculus diseases and complications thereof","Benign Prostate Hypertrophy, all types of Hydrocele","Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/ Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery","gastric and duodenal ulcer, any type of Cysts/ Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases","Any surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract; hysterectomy/fibroids; knee/joint replacement and arthritis; spine disorders; varicose veins; urinary/biliary stones; BPH/hydrocele; piles/fistula/hernia; ENT disorders; ulcers, cysts, polyps, tumours, breast lumps and PCOD; genito-urinary surgery","note":null,"quote":"i) Cataract, Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus or myomectomy for fibroids unless necessitated by malignancy, ... ii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs(other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal, ... iii) Varicose Veins and Varicose Ulcers, ... iv) Stones in the urinary uro-genital and biliary systems including calculus diseases and complications thereof, ... v) Benign Prostate Hypertrophy, all types of Hydrocele, ... vi) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region. vii.Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/ Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery. viii.gastric and duodenal ulcer, any type of Cysts/ Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases,\nix. Any surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":"6(f)(i)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-i"},{"clause":"6(f)(ii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-ii"},{"clause":"6(f)(iii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-iii"},{"clause":"6(f)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-iv"},{"clause":"6(f)(v)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-v"},{"clause":"6(f)(vi)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-f-vi"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"The Active plan wording has the same clause but the number of continuous months is missing in the extracted text.","quote":"After completion of 60 continuous months of coverage (including Portability and Migration) in health insurance policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of 60 continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"F.I.12. Moratorium Period","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date, and accrued continuity benefits are carried to the extent allowed by IRDAI portability guidelines.","display":"Portability allowed with accrued continuity benefits; apply 30 to 60 days before renewal","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/ Health insurer, the proposed insured person will get the accrued continuity benefits to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, moratorium period etc.as per IRDAI guidelines on portability.","sources":[{"clause":null,"heading":"F.I.9. Portability","page":38,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-9-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, renewable for life","note":null,"quote":"The Policy is ordinarily renewable on mutual consent for life,subject to application of Renewal and realization of Renewal premium.","sources":[{"clause":"Excl14(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-a-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience, and renewal premium will not alter based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience. ... Renewal premium will not alter based on individual claims experience.","sources":[{"clause":"Excl14(d)(v)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-d-v"},{"clause":"Excl14(f)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The base policy applies to events within India and claims are settled in India in Indian rupees. Optional worldwide emergency covers are available under specified optional covers or packages.","display":"India, except specified worldwide emergency optional covers","note":"Active plan has a Worldwide Accidental Emergency Hospitalization Cover optional cover.","quote":"The geographical scope of this policy applies to events within India other than for D.III.4.ii Worldwide Emergency Hospitalization with Outpatient Cover under Freedom optional package (if opted) and which are specifically covered in the Policy Schedule. However all admitted or payable claims shall be settled in India in Indian rupees.","sources":[{"clause":null,"heading":"F.II.5. Geography","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-ii-5-geography"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The insured person shall be allowed a free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":null,"heading":"F.I.15. Free Look period","page":40,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-15-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly instalment mode","note":"For instalment premium, half-yearly and quarterly modes get 30 days; monthly gets 15 days.","quote":"The Policy may be renewed by mutual consent and in such event the Renewal premium should be paid to Us on or before the date of expiry of the Policy and in no case later than the Grace Period of 30 days from the expiry of the Policy. ... Grace Period of 30 days would be given for Half-yearly and Quarterly mode of payment and grace period of 15 days for monthly mode of payment would be given to pay the instalment premium due for the Policy.","sources":[{"clause":null,"heading":"F.II.7. Grace Period","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-ii-7-grace-period"},{"clause":null,"heading":"F.I.13. Premium Payment in Instalments","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-13-premium-payment-in-instalments"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Yearly","Half yearly","Quarterly","Monthly"],"display":"Single, Yearly, Half yearly, Quarterly and Monthly","note":"Active plan wording includes Yearly. Protect/Advantage wording states Single, Half yearly, Quarterly and Monthly.","quote":"Premium can be paid on Single, Yearly, Half yearly, Quarterly and Monthly basis. ... Premium can be paid on Single, Half yearly, Quarterly and Monthly basis.","sources":[{"clause":null,"heading":"F.II.10. Premium calculation","page":34,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-f-ii-10-premium-calculation"},{"clause":"Excl14(j)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-j"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Non-Medical Items","Waiver of Mandatory Co-payment","Worldwide Accidental Emergency Hospitalization Cover","Health Check Up","Waiver of Disease Specific Sublimit","Enhance Plus","Assure","Enhance","Freedom","Deductible","Infertility Treatment","Personal Accident Cover","Cumulative Bonus Booster","ManipalCigna Critical Illness Add On Cover","ManipalCigna Prime Plus"],"display":"Non-Medical Items, co-pay waiver, worldwide emergency covers, health check-up, sublimit waiver, optional packages, deductible, infertility treatment, personal accident, cumulative bonus booster and add-on covers","note":"Availability differs by plan: several optional packages apply only to Protect or Advantage, and Active has its own optional covers.","quote":"D.III. Optional covers ... D.III.1 Non-Medical Items ... D.III.2. Waiver of Mandatory Co-pay ... D.III.3 | Worldwide | Accidental | Emergency\nHospitalization Cover: ... D.III.4 Health Check Up ... D.III.5 Waiver of Disease Specific Sublimit ... D.III. Optional Packages ... D.III.1 Enhance Plus (Applicable for Protect Plan) ... D.III.2 Assure ... D.III.3 Enhance ... D.III.4 Freedom ... D.IV.2 Deductible ... D.IV.3 Infertility Treatment ... D.IV.4 Personal Accident Cover ... D.IV.5 Cumulative Bonus Booster ... D.V.1 ManipalCigna Critical Illness Add-on\ncover ... D.V.2 ManipalCigna Prime Plus","sources":[{"clause":null,"heading":"D.III. Optional covers","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-iii-optional-covers"},{"clause":null,"heading":"D.III.1 Non-Medical Items","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-iii-1-non-medical-items"},{"clause":null,"heading":"D.III.2. Waiver of Mandatory Co-pay","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-iii-2-waiver-of-mandatory-co-pay"},{"clause":null,"heading":"D.III.4 Health Check Up","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-iii-4-health-check-up"},{"clause":null,"heading":"D.III.5 Waiver of Disease Specific Sublimit","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-iii-5-waiver-of-disease-specific-sublimit"},{"clause":null,"heading":"D.III. Optional Packages","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-optional-packages"},{"clause":null,"heading":"D.III.1.i Maternity & New Born Hospitalization","page":25,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-1-i-maternity-new-born-hospitalization"},{"clause":"Annexure A(d)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-annexure-a-d-ii"},{"clause":null,"heading":"D.III.3 Enhance","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-3-enhance"},{"clause":null,"heading":"D.III.4 Freedom","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-4-freedom"},{"clause":null,"heading":"D.IV.2 Deductible","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-2-deductible"},{"clause":null,"heading":"D.IV.4 Personal Accident Cover","page":30,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-4-personal-accident-cover"},{"clause":null,"heading":"D.IV.5 Cumulative Bonus Booster","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-5-cumulative-bonus-booster"},{"clause":null,"heading":"D.V.1 ManipalCigna Critical Illness Add-on","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-v-1-manipalcigna-critical-illness-add-on"},{"clause":null,"heading":"D.V.2 ManipalCigna Prime Plus","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-v-2-manipalcigna-prime-plus"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, coverage is available during that instalment grace period.","display":"No during renewal grace; yes for instalment grace if premium is paid in instalments during the policy period","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the Policy Period, coverage will be available during such Grace Period.","sources":[{"clause":"Excl14(d)(iv)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-d-iv"},{"clause":null,"heading":"F.I.13. Premium Payment in Instalments","page":39,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-i-13-premium-payment-in-instalments"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Base Protect and Advantage room rent is covered up to Single Private AC Room, and ICU is up to the sum insured. Active plan room category is as per opted sum insured and policy schedule; Active's annexure states Single Private A/C Room for sum insured of Rs. 5 lacs and above.","display":"Protect/Advantage: Single Private AC Room; ICU up to Sum Insured","note":"Optional room upgrades can allow Any Room Category; the Assure optional package limits room rent to 1% of sum insured per day and ICU to 2% per day.","quote":"Room category coverage under each plan will be covered up to Single Private AC Room or as specified in the Policy Schedule, subject to maximum of Sum Insured Opted. For ICU accommodation, we will cover up to Sum Insured opted or as specified in the Policy Schedule. ... Room Rent: Covered up to Single Private A/C Room For ICU - Covered up to Sum Insured","sources":[{"clause":"48(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i"},{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Single Private AC Room is the base room category for Protect and Advantage. Optional packages can upgrade room category to Any Room Category, while Prime Plus room rent modification offers Any room or Twin Sharing AC room options.","display":"Single Private AC Room; optional upgrade to Any Room Category","note":"Active plan room category depends on sum insured and policy schedule; the extracted Active chart is partly corrupted.","quote":"Room category coverage under each plan will be covered up to Single Private AC Room or as specified in the Policy Schedule ... We will upgrade the Room category coverage under Section D.I.1 In-patient hospitalization up to ‘Any Room Category’ subject to maximum of Sum Insured Opted and as specified in the Policy Schedule. ... Option 1: Any room; ICU Up to Sum Insured\nb) Option 2: Twin Sharing AC room; ICU Up to Sum Insured","sources":[{"clause":"48(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i"},{"clause":null,"heading":"D.III.3.ii Room Accommodation Upgrade","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-3-ii-room-accommodation-upgrade"},{"clause":"1","heading":"Room Rent Modification: The Insured Person","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-1-2"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU accommodation is covered up to the sum insured in the base plan, or as specified in the policy schedule. Under the Assure optional package, ICU is limited to 2% of the opted sum insured per day.","display":"Up to Sum Insured; Assure: 2% of Sum Insured per day","note":"The 2% ICU cap applies under Assure, available for specified Protect sum insured options.","quote":"For ICU accommodation, we will cover up to Sum Insured opted or as specified in the Policy Schedule. ... For ICU accommodation, we will cover up to 2% of the opted Sum Insured per day and as specified in the Policy Schedule.","sources":[{"clause":"48(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i"},{"clause":null,"heading":"D.III.2.i Room Accommodation Limit","page":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-2-i-room-accommodation-limit"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured is admitted in a room category higher than the specified entitlement, the insured bears a ratable proportion of associated medical expenses based on the difference between entitled and actual room rent.","display":"Yes, associated medical expenses are reduced ratably if a higher room is used","note":null,"quote":"If the Insured Person is admitted in a room category that is higher than the one that is specified in the Policy Schedule, then the Policyholder/Insured Person shall bear a ratable proportion of the total Associated Medical Expenses (including surcharge or taxes thereon) in the proportion of the difference between the room rent of the entitled room category to the room rent actually incurred.","sources":[{"clause":"48(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Active plan has a compulsory co-payment of 10% on all claims, except where named ailment/procedure sub-limits apply. Protect and Advantage have zone co-payments when treatment is taken in a higher zone than the paid zone: 10% or 20% depending on zone.","display":"Active: 10% mandatory co-pay; zone co-pay up to 20% may apply","note":"Active offers an optional Waiver of Mandatory Co-pay. Zone co-payments do not apply for hospitalization due to accident in the Protect/Advantage wording.","quote":"A compulsory Co-payment of 10% is applicable on all claims irrespective of Age of entry in to the Policy under Active Plan. ... Persons paying Zone II premium\ni) Can avail treatment in Zone II and Zone III without any Co-pay.\nii) Availing treatment in Zone I will have to bear 10% of each and every claim. ... Person paying Zone III premium\ni) Can avail treatment in Zone III, without any Co-pay.\nii) Availing treatment in Zone II will have to bear 10% of each and every claim.\niii) Availing treatment in Zone I will have to bear 20% of each and every claim.","sources":[{"clause":null,"heading":"F.II.6. Mandatory Co-payment","page":33,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-f-ii-6-mandatory-co-payment"},{"clause":"Excl14(b)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-b-5"},{"clause":"Excl14(c)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-c-3"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No base deductible is stated. Protect and Advantage can opt for a deductible of Rs. 10,000 or Rs. 25,000, applied each policy year on the aggregate of all claims in that policy year except specified benefits; Prime Plus offers aggregate deductible options from Rs. 50,000 to Rs. 5,00,000.","display":"None unless opted; optional Rs. 10,000 or Rs. 25,000; Prime Plus Rs. 50,000 to Rs. 5,00,000 aggregate","note":"The Rs. 10,000/Rs. 25,000 deductible is an optional cover under Protect/Advantage. The higher aggregate deductible is under the ManipalCigna Prime Plus add-on.","quote":"You can opt for a Deductible of `10,000 or `25,000 in the Policy. Wherever a Deductible is selected such amount will be applied for each Policy Year on the aggregate of all Claims in that Policy Year other than for claims under fixed benefit covers and Health Check Ups. ... Deductible: Option to opt from Rs.50,000,\nRs.1,00,000, | Rs.2,00,000, | Rs.3,00,000,\nRs.4,00,000 and Rs.5,00,000 on aggregate basis.","sources":[{"clause":null,"heading":"D.IV.2 Deductible","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-2-deductible"},{"clause":"6","heading":"Deductible","page":32,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-6-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Surgery for treatment of all types of Hernia","Hysterectomy","Surgeries for benign Prostate Hypertrophy","Surgical treatment of stones of renal system","Treatment of Cataract (Per Eye)","Treatment of Total Knee replacement (Per knee)","Treatment for breakage of bones"],"display":"Named sub-limits for hernia, hysterectomy, benign prostate hypertrophy, renal stones, cataract, total knee replacement and bone breakage under Active and under Protect Assure package","note":"The quoted amounts are for the Protect Assure package for Rs. 3/Rs. 4 Lacs and Rs. 5 Lacs sum insured. Active plan also lists these ailment/procedure sub-limits, but the extracted Active amounts are not readable.","quote":"Treatment for each Ailment / Procedure mentioned below: 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 | `50,000 | `65,000 ... 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","sources":[{"clause":"Annexure A(d)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-annexure-a-d-ii"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Active; 60 days for Protect/Advantage","note":"Active: 30 days. Protect/Advantage: 60 days.","quote":"Pre – hospitalization Medical Expenses Covered up to 30 days before the date of hospitalization; Covered upto the Sum Insured ... Pre-hospitalization | Medical Expenses Covered up to 60 days before the date of hospitalization; Covered Up to the Sum Insured","sources":[{"clause":"Row 7(c)","heading":"Mental Illness","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-row-7-c-2"},{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days for Active; 180 days for Protect/Advantage","note":"Active: 60 days. Protect/Advantage: 180 days.","quote":"Post – hospitalization Medical Expenses Covered up to 60 days post discharge from the hospital; Covered upto the Sum Insured ... Post-hospitalization | Medical Expenses Covered up to 180 days post discharge from the hospital; Covered Up to the Sum Insured","sources":[{"clause":"Row 7(c)","heading":"Mental Illness","page":48,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-row-7-c-2"},{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care treatment is covered up to the sum insured for medically necessary day care treatment or surgery requiring less than 24 hours of hospitalization due to technological advancement. OPD treatment and diagnostic services are not covered under this benefit.","display":"Covered up to Sum Insured for treatments under 24 hours; OPD excluded from this benefit","note":null,"quote":"We will cover payment of Medical Expenses of an Insured Person in case of Medically Necessary Day Care Treatment or Surgery that requires less than 24 hours of Hospitalization due to advancement in technology and which is under taken in a Hospital/ Nursing Home/ Day Care Centre on the recommendation of a Medical Practitioner, up to the Sum Insured as specified in the Policy Schedule ... We will not cover any OPD Treatment and Diagnostic Service under this benefit.","sources":[{"clause":null,"heading":"D.I.4 Day Care Treatment","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-4-day-care-treatment"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalization is covered when treatment that would otherwise require hospitalization is taken at home on medical advice because the patient cannot be moved to a hospital or a hospital bed is unavailable, provided treatment continues for at least 3 days. The Protect/Advantage benefit chart caps it at 10% of the sum insured with pre and post hospitalization expenses of 30 days each.","display":"Covered up to 10% of Sum Insured; treatment at home for at least 3 days when transfer is not possible or bed unavailable","note":null,"quote":"We will cover Medical Expenses of an Insured Person, up to limits specified as per the opted plan, which are towards a Disease/Illness or Injury which in the normal course would otherwise have been covered for Hospitalization under the policy but is taken at home on the advice of the attending Medical Practitioner, under the following circumstances:\ni) The condition of the Insured Person does not allow a Hospital transfer; or\nii) A Hospital bed was unavailable; Provided that, the treatment of the Insured Person continues for at least 3 days ... Domiciliary Hospitalization (Treatment at Home) | Covered up to 10% of the Sum Insured Pre and Post Hospitalization Expenses: 30 days each","sources":[{"clause":null,"heading":"D.I.5 Domiciliary Hospitalization","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-5-domiciliary-hospitalization"},{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH treatment is covered up to the sum insured for medically necessary inpatient hospitalization or day care treatment in an AYUSH Hospital or AYUSH Day Care Centre. Services for pleasure, rejuvenation, preventive aid, Panchakarma, purification, detoxification and rejuvenation are excluded.","display":"Covered up to Sum Insured in an AYUSH Hospital/AYUSH Day Care Centre","note":null,"quote":"We will pay the Medical Expenses incurred during the Policy Year, up to the Sum Insured as specified in the Policy Schedule, of an Insured Person in case of Medically Necessary Treatment taken during In-patient Hospitalization/Day Care Treatment for AYUSH Treatment for an Illness or Injury that occurs during the Policy Year, provided that:\nThe Insured Person has undergone treatment in an AYUSH Hospital/ AYUSH Day Care Centre. ... Facilities and services availed for pleasure or rejuvenation or as a preventive aid, like beauty treatments, Panchakarma, purification, detoxification and rejuvenation.","sources":[{"clause":null,"heading":"D.I.9 AYUSH Treatment","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-9-ayush-treatment"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Donor inpatient hospitalization medical expenses for harvesting the organ are covered up to the sum insured when the organ is for the insured person and the inpatient claim is admitted. Protect/Advantage also cover donor pre/post hospitalization expenses up to 30 days each, donor screening for successful transplant, and complications up to specified limits.","display":"Covered up to Sum Insured; Protect/Advantage also include donor pre/post 30 days and screening","note":"Active plan excludes donor pre/post-hospitalization, donor screening, organ acquisition cost and donor complications.","quote":"We will cover In-patient Hospitalization Medical Expenses towards the donor for harvesting the organ up to the Sum Insured as specified in the Policy Schedule, subject to the below mentioned conditions: ... Any Pre or Post-hospitalization Medical Expenses, up to 30 days each ... The Cost of donor screening for organ transplant surgery, provided that the organ transplant surgery is successful. ... Any complication in respect of the donor, consequent to harvesting, which arise during Hospitalization or up to 30 days from the date of discharge of the donor","sources":[{"clause":null,"heading":"D.I.7 Donor Expenses","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-7-donor-expenses"},{"clause":"48(c)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i-2"},{"clause":"48(c)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-ii"},{"clause":"48(c)(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-iii"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are reimbursed up to the sum insured for emergency transport by a registered healthcare or ambulance service provider to the nearest hospital, subject to an admitted inpatient claim. Protect/Advantage also include air ambulance up to the schedule limit, maximum Rs. 10 Lacs per policy year, over and above the sum insured.","display":"Road ambulance up to Sum Insured; Protect/Advantage air ambulance up to Rs. 10 Lacs per policy year","note":"Air ambulance cover is in Protect/Advantage basic covers; Active wording provided only road ambulance in basic covers.","quote":"We will provide for reimbursement of Reasonable and Customary expenses up to Sum Insured as specified in the Policy Schedule that are incurred towards road transportation of an Insured Person by a registered Healthcare or Ambulance Service Provider to a nearest Hospital for treatment of an Illness or Injury covered under the Policy in case of an Emergency ... Benefit under this cover is payable Up to the limits as specified in the Policy Schedule subject to maximum up to `10 Lacs in a policy year and this is over and above the Sum Insured.","sources":[{"clause":null,"heading":"D.I.6 Road Ambulance","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-6-road-ambulance"},{"clause":null,"heading":"D.I.10 Air Ambulance Cover","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-10-air-ambulance-cover"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"The policy provides 100% restoration of sum insured for any number of times in a policy year. Active restoration is for unrelated future illnesses and does not apply to the first claim; Protect/Advantage restoration applies whether the illness/condition is unrelated or the same, and also does not apply to the first claim.","display":"100% restoration, any number of times; Active excludes same illness, Protect/Advantage allows same illness","note":"Restoration is available only for specified sections and is not carried forward if unused.","quote":"We will provide for a 100% restoration of the Sum Insured for any number of times in a Policy Year whether the illness/condition is unrelated or same, provided that: ... shall not apply to the first claim in the Policy Year. ... We will provide for a 100% restoration of the Sum Insured for any number of times in a Policy Year, provided that: ... The Restored Sum Insured shall not be available for claims towards an Illness/disease/Injury (including its complications) for which a claim has been paid in the current Policy Year for the same Insured Person.","sources":[{"clause":null,"heading":"D.I.8 Restoration of Sum Insured","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-i-8-restoration-of-sum-insured"},{"clause":"25(c)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-25-c-ii"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Active increases the sum insured by 10% of base sum insured at the end of every policy year on renewal without break, up to 100%. Protect/Advantage increase the sum insured by 25% at the end of the policy year on renewal without break, up to 200%; an optional Cumulative Bonus Booster gives 50% per policy year up to 200%.","display":"Active: 10% per policy year up to 100%; Protect/Advantage: 25% per policy year up to 200%; optional booster 50% up to 200%","note":"The base cumulative bonus is described as a renewal benefit and is not stated to reduce because of claims.","quote":"We will increase Your Sum Insured @10% of the Base Sum Insured ... at the end of every Policy Year, if the Policy is renewed with Us without any break: ... in excess of 100% of the Sum Insured ... We will increase Your Sum Insured by 25% as specified under Policy Schedule at the end of the Policy Year if the Policy is renewed with Us without any break: ... in excess of 200% of the Sum Insured ... We will provide an option to increase the Sum Insured by 50% for each policy year up to a maximum of 200% of Sum Insured","sources":[{"clause":"36(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-36-a"},{"clause":"36(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-36-b"},{"clause":null,"heading":"D.II.4 Cumulative Bonus","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-ii-4-cumulative-bonus"},{"clause":null,"heading":"D.IV.5 Cumulative Bonus Booster","page":31,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-5-cumulative-bonus-booster"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The base inpatient cover includes drugs and consumables that are recommended by the attending medical practitioner and used intra-operatively during a surgical procedure. Broader non-medical items listed in Annexure III List I are covered only if the Non-Medical Items optional cover is opted; otherwise non-medical expenses are excluded.","display":"Intra-operative consumables covered; non-medical items covered only with optional Non-Medical Items cover","note":"Non-Medical Items is an optional cover and reduces the sum insured when claimed.","quote":"Drugs and consumables, blood, oxygen, surgical appliances and prosthetic devices recommended by the attending Medical Practitioner and that are used intra operatively during a Surgical Procedure. ... We will cover the cost of Non-Medical items, listed under Annexure III List 1 of the Policy, incurred towards Medically Necessary Hospitalization ... E.II.18 All non-medical expenses including convenience items for personal comfort not consistent with or incidental to the diagnosis and treatment","sources":[{"clause":"48(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-48-c-i"},{"clause":null,"heading":"D.IV.1 Non-Medical Items","page":29,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iv-1-non-medical-items"},{"clause":null,"heading":"E.II.6 Infertility Treatment Waiting Period","page":35,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-e-ii-6-infertility-treatment-waiting-period"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded in the base policy. Under Protect Enhance Plus or Advantage Enhance optional package, maternity expenses are covered up to the maternity sum insured for up to 2 deliveries or terminations during the lifetime of an insured person after 36 months of continuous coverage.","display":"Excluded unless optional maternity package is chosen; then 36 months waiting and up to 2 deliveries/terminations","note":"Optional maternity cover is in Protect Enhance Plus and Advantage Enhance; Active wording provided keeps maternity excluded.","quote":"E.I.18 Maternity: Code Excl 18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred duringhospitalization) except ectopic pregnancy; ... We will cover Maternity Expenses up to Maternity Sum insured and as per Plan opted and as specified in the Policy Schedule for the delivery of a child and/or Maternity Expenses incurred during the Policy Year, related to a Medically Necessary and lawful termination of pregnancy up to maximum 2 deliveries or terminations during the lifetime of an Insured Person. ... The female adult Insured Person should have been continuously covered under this Policy for at least 36 months before availing this benefit.","sources":[{"clause":null,"heading":"E.I.18 Maternity: Code Excl 18","page":34,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-e-i-18-maternity-code-excl-18"},{"clause":null,"heading":"D.III.3.i Maternity & New Born Hospitalization","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-d-iii-3-i-maternity-new-born-hospitalization"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New born baby expenses are covered only when the optional maternity benefit applies and a maternity claim is admitted. It covers the newborn while the insured person is hospitalized for delivery, and reasonable and customary charges during and post birth up to 90 days from delivery within the maternity expenses limit; beyond 90 days requires premium and endorsement or renewal.","display":"Optional maternity package: newborn covered up to 90 days within maternity limit","note":"Applies under optional maternity packages, not as a base cover.","quote":"Subject to a claim being admitted under Maternity Expenses under Section D.III.3.i.A, We will cover.\na) Medical Expenses towards treatment of the New Born Baby while the Insured Person is hospitalized as an In-patient for delivery.\nb) The Reasonable and Customary Charges incurred on the New Born Baby during and post birth up to 90 days from the date of delivery, within the limits specified in the Policy Schedule under Maternity Expenses without payment of any additional premium. ... We will cover the New Born Baby beyond 90 days on payment of requisite premium","sources":[{"clause":null,"heading":"B. New Born Baby Expenses","page":28,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-b-new-born-baby-expenses"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Advantage offers outpatient expenses with options of Rs. 20,000, Rs. 30,000 or Rs. 50,000 per policy year for consultations and diagnostics, including dental and vision, and up to 20% of the outpatient limit for pharmacy, only on cashless basis from ManipalCigna network providers. Protect shows outpatient expenses as not available; Active day care specifically excludes OPD treatment under that benefit.","display":"Advantage: Rs. 20,000, Rs. 30,000 or Rs. 50,000 OPD cashless; Protect not available","note":"Health Maintenance Benefit under Protect Enhance Plus is a separate optional outpatient-style reimbursement benefit.","quote":"Outpatient Expenses | Not Available | Option to choose from - `20,000, `30,000, `50,000 Per policy Year Can be used to pay for Consultations and Diagnostics including Dental and Vision: Up to 100% of the Sum Insured opted for Outpatient benefit. Up to 20% of the Outpatient Limit can be used for Pharmacy ... This benefit is available only on cashless basis from the Network providers of ManipalCigna Health Insurance Company Limited. ... We will not cover any OPD Treatment and Diagnostic Services under this benefit.","sources":[{"clause":null,"heading":"Ombudsman","page":52,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-ombudsman"},{"clause":null,"heading":"D.I.4 Day Care Treatment","page":10,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796#c-d-i-4-day-care-treatment"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is calculated using the zone of cover. Persons paying Zone I premium can take treatment all over India without co-pay; Zone II or Zone III premium attracts 10% or 20% co-pay when treated in a higher zone, except hospitalization due to accident.","display":"Yes, Zone I/II/III premium and treatment-zone co-pay","note":"Zone co-payments for treatment outside the paid zone do not apply in case of hospitalization due to accident.","quote":"Premium will be calculated based on the Sum Insured opted, Age, gender, risk classification and Zone of Cover. Default zone of cover will be based on Proposer’s city-location pin code as mentioned in KYC document ... Persons paying Zone I premium can avail treatment all over India witout any Co-pay. ... Availing treatment in Zone I will have to bear 10% of each and every claim. ... Availing treatment in Zone I will have to bear 20% of each and every claim.","sources":[{"clause":null,"heading":"F.II.9. Premium calculation","page":42,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-f-ii-9-premium-calculation"},{"clause":"Excl14(a)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-a-5"},{"clause":"Excl14(b)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-b-5"},{"clause":"Excl14(c)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-excl14-c-3"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at network hospitals or common empanelled hospital/healthcare providers specified by Insurance Council, where the insurer directly pays approved treatment costs to the provider to the extent of pre-authorization.","display":"Available at network hospitals/common empanelled providers","note":null,"quote":"Cashless facility is available only at our Network Hospital or Common empanelment of hospital/ healthcare providers as specified by Insurance Council. The Insured Person can avail Cashless facility at the time of admission into any Network Hospital or Common empanelment of hospital healthcare providers as specified by Insurance Council ... Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the Policy terms and conditions, are directly made to the network provider or common empanelled Hospital/healthcare providers by the insurer to the extent pre-authorization approved.","sources":[{"clause":null,"heading":"G.I.4. Cashless Facility","page":45,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-g-i-4-cashless-facility"},{"clause":"7","heading":"Cashless Facility","page":1,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-7"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Cashless and reimbursement claim processing and access to network hospitals is through the insurer's service partner/TPA where used, but the TPA only facilitates processing and all customer contact points, including claim intimation, submission, settlement and dispute resolution, remain with the insurer.","display":"Through service partner/TPA for processing; insurer remains customer contact and settlement point","note":null,"quote":"Cashless and Reimbursement Claim processing and access to network hospitals is through our service partner/TPA, details of the same will be available on the Health Card issued by Us as well as on our websitewebsite: https://www.manipalcigna.com/ our-tpas ... Wherever a TPA is used, the TPA will only work to facilitate claim processing. All customer contact points will be with Us including claim intimation, submission, settlement and dispute resolutions.","sources":[{"clause":null,"heading":"G. Other terms and conditions","page":44,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-g-other-terms-and-conditions"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes","note":null,"quote":"Family Floater means a Policy described as such in the Policy Schedule where under You and Your Dependents named in the Policy Schedule are insured under this Policy as at the Inception Date. The Sum Insured for a Family Floater means the sum shown in the Policy Schedule which represents Our maximum liability for any and all claims made by You and/or all of Your Dependents during each Policy Period.","sources":[{"clause":null,"heading":"C.II Specific Definitions","page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798#c-c-ii-specific-definitions"}],"law":[]}],"documents":[{"kind":"wording","label":"ManipalCigna ProHealth Prime Active Plan (MCIHLIP22224V012122)","pages":49,"fetched_at":"2026-10-17 19:51:19+00","source_url":"https://www.manipalcigna.com/documents/d/guest/24-a-prohealth-prime-active-v1-tnc","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12781"},{"kind":"wording","label":"ManipalCigna ProHealth Prime Protect & Advantage Plan (MCIHLIP22224V012122)","pages":61,"fetched_at":"2026-10-17 19:51:20+00","source_url":"https://www.manipalcigna.com/documents/d/guest/24-b-prohealth-prime-pa-v1-tnc","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12782"},{"kind":"wording","label":"ManipalCigna ProHealth Prime Active Plan (MCIHLIP26036V022526)","pages":52,"fetched_at":"2026-10-17 19:51:40+00","source_url":"https://www.manipalcigna.com/documents/d/rewamp/prohealthprime-active-plan-tnc","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12796"},{"kind":"wording","label":"ManipalCigna ProHealth Prime Protect & Advantage Plan (MCIHLIP26036V022526)","pages":64,"fetched_at":"2026-10-17 19:51:40+00","source_url":"https://www.manipalcigna.com/documents/d/rewamp/prohealthprime-p-a-plan-tnc","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/12798"},{"kind":"wording","label":"ManipalCigna ProHealth Prime (IRDAI copy)","pages":66,"fetched_at":"2026-10-20 02:29:20+00","source_url":"https://irdai.gov.in/documents/37343/931203/MCIHLIP22224V012122.pdf/6cf0a1af-1bc8-0c09-531a-671e15963135?version=1.1&t=1668851840343&download=true","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526/document/28524"}],"versions":[{"uin":"MCIHLIP22224V012122","version":null,"approved_on":null},{"uin":"MCIHLIP26036V022526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Manipal Cigna Health Insurance official website","url":"https://www.manipalcigna.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://claim.manipalcigna.com/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.manipalcigna.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew online","url":"https://online.manipalcigna.com/erenewal/renew?source=NWEB","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ManipalCigna ProHealth Prime (UIN MCIHLIP26036V022526), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-prime-mcihlip26036v022526"}