{"uin":"MCIHLIP26037V052526","name":"ManipalCigna ProHealth Select","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526","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":"Revision","kind":"product","status":"active","approved_on":"2020-07-29","withdrawn_on":null,"summary":"ManipalCigna ProHealth Select is a health indemnity policy with ProHealth Select (A) and ProHealth Select (B) variants. It covers inpatient hospitalization with 60 days pre-hospitalization, 90 days post-hospitalization, a 30-day free look period and a 60-month moratorium period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:47:42.252315+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":["ProHealth Select (A)","ProHealth Select (B)"],"display":"ProHealth Select (A); ProHealth Select (B)","note":null,"quote":"ProHealth Select (A) | ProHealth Select (B)","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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":"The policy can be taken for 1 year, 2 years or 3 years.","display":"1, 2 or 3 years","note":null,"quote":"A. Policy Tenure of 1 Year: ... Discount offered is 7.5% for policies with term 2 years and 10% for policies with term 3 years","sources":[{"clause":null,"heading":"F.I.6. Cancellation","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-6-cancellation"},{"clause":null,"heading":"3. Long Term Discount","page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-3-long-term-discount"}],"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":"For planned hospitalization, intimation must be at least 48 hours before the planned admission. For emergency hospitalization, intimation must be 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. ... 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":27,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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. If payment is delayed, interest is payable at 2% above the bank rate from submission of necessary documents to payment.","display":"Within 15 days from submission of necessary claim documents; delay interest at 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. ... 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":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#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":"First contact ManipalCigna through its website, email, toll-free number, branch or corporate office. If not satisfied, contact the grievance officer at the Grievance Cell, and then the Insurance Ombudsman or IRDAI complaints management system as stated.","display":"First complain to ManipalCigna; if not satisfied, contact the Grievance Cell/grievance officer before Ombudsman","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 ... 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","sources":[{"clause":null,"heading":"F.I.14. Redressal of Grievance","page":22,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-14-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":"ProHealth Select (A): Rs. 0.50, 1, 2, 3, 4, 5, 7, 10, 15, 20 and 25 Lacs. ProHealth Select (B): Rs. 2, 3, 4, 5, 7, 10, 15, 20 and 25 Lacs.","display":"Select (A): Rs. 0.50, 1, 2, 3, 4, 5, 7, 10, 15, 20, 25 Lacs; Select (B): Rs. 2, 3, 4, 5, 7, 10, 15, 20, 25 Lacs","note":null,"quote":"Sum Insured | `0.50, 1, 2, 3, 4, 5, 7, 10, 15, 20, 25 Lacs | `2, 3, 4, 5, 7,10,15, 20, 25, Lacs","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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":"The clause text says expenses are excluded within the opted period; the heading states 30-day waiting period.","quote":"E.l.3. 30-day waiting period - Code- Excl03\na) Expenses related to the treatment of any illness within opted period 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.l.3. 30-day waiting period - Code- Excl03","page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-e-l-3-30-day-waiting-period-code-excl03"}],"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":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"46(II)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-ii-a-2"}],"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":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed disease/procedure is also a pre-existing disease, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl02(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-excl02-a"}],"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","Knee Replacement Surgery","Non-infectious Arthritis","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems including calculus diseases","Benign Prostate Hypertrophy","Fissure, Fistula in anus, Piles, all types of Hernia","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders","Gastric and duodenal ulcer","Any surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract, hysterectomy, knee replacement, arthritis, varicose veins, stones, BPH, piles/fissure/fistula/hernia, ENT disorders, gastric and duodenal ulcer and genito-urinary surgery","note":"The clause contains additional related conditions under the same items, including congenital internal anomalies, joint replacement, vertebrae disorders, hydrocele, pilonidal sinus, abscess related to the anal region, benign ENT surgery, cysts/nodules/polyps/internal tumours/skin tumours, breast lumps unless malignant and polycystic ovarian diseases.","quote":"I) Cataract,\nii) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus ... iii) Knee Replacement Surgery ... Non-infectious Arthritis ... iv) Varicose Veins and Varicose Ulcers,\nv) Stones in the urinary uro-genital and biliary systems including calculus diseases,\nvi) Benign Prostate Hypertrophy ... vii) Fissure, Fistula in anus, Piles, all types of Hernia ... viii)Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders ... ix) Gastric and duodenal ulcer ... x) Any surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":"Excl02(I)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-excl02-i"}],"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":null,"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.18. Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-18-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":"You can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. Accrued continuity benefits include Sum Insured, No Claim Bonus, specific waiting periods, PED waiting period and moratorium period as per IRDAI portability guidelines.","display":"Allowed; apply at least 30 days before and not earlier than 60 days from renewal date","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 ... 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","sources":[{"clause":null,"heading":"F.I.11. Portability","page":21,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-11-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":null,"heading":"F.lI.9. Renewal Terms","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-li-9-renewal-terms"}],"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 renewal based on individual claims experience.","display":"No loading based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":null,"heading":"F.l.9 Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-l-9-renewal-of-policy"}],"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 policy applies to events within India, except Worldwide Emergency Cover. All admitted or payable claims are settled in India in Indian rupees.","display":"India, except Worldwide Emergency Cover","note":null,"quote":"The geographical scope of this policy applies to events within India other than for Worldwide Emergency Cover and which are specifically covered in the Schedule. However, all admitted or payable claims shall be settled in India in Indian rupees.","sources":[{"clause":null,"heading":"F.lI.7. Geography","page":23,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-li-7-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":"Applicable on new individual health insurance policies, not on renewals or at the time of porting/migrating.","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","sources":[{"clause":null,"heading":"F.I.5. Free Look period","page":19,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-5-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 mode","note":"30 days applies for single, yearly, half-yearly and quarterly modes; 15 days applies for monthly instalment mode.","quote":"Grace Period of 30 days from the expiry of the Policy for, Single and Yearly mode of payment. ... Grace Period of 30 days would be given for Halfyearly and Quarterly mode of payment and grace period of 15 days for monthly mode of payment","sources":[{"clause":null,"heading":"F.I.7. Grace Period","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-7-grace-period"},{"clause":null,"heading":"F.I.8. Premium Payment in Instalments (For","page":21,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-8-premium-payment-in-instalments-for"}],"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":"Loading applies for premium payment modes other than Single and Yearly.","quote":"Premium can be paid on Single, Yearly, Half yearly, Quarterly and Monthly basis.","sources":[{"clause":null,"heading":"F.Il.10. Premium calculation","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-il-10-premium-calculation"}],"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":["Deductible","Voluntary Co-pay","Cumulative Bonus Booster","Removal of room rent Limit","Health Check-up","Re-Assurance","Disease Specific Sub Limits","Health Maintenance Benefit","Worldwide EmergecyCover"],"display":"Deductible, Voluntary Co-pay, Cumulative Bonus Booster, Removal of room rent Limit, Health Check-up, Re-Assurance, Disease Specific Sub Limits, Health Maintenance Benefit and Worldwide EmergecyCover","note":"Some optional covers are available only under ProHealth Select (A); Voluntary Co-pay and Deductible cannot be taken under a single Policy.","quote":"Optional Covers | Deductible* ... Voluntary Co-pay* ... Cumulative Bonus Booster (any one of the 4 choices) ... Removal of room rent Limit ... Health Check-up ... Re-Assurance ... Disease Specific Sub Limits ... Health Maintenance Benefit ... Worldwide EmergecyCover","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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":"For renewal grace period, coverage is not available and the insurer is not liable for claims arising during the grace period. If premium is paid in instalments during the policy period, coverage is available during the grace period.","display":"Renewal grace: no cover; instalment premium grace: cover available","note":null,"quote":"We will not be liable to pay for any claim arising out of an Injury/ Accident/ Condition that occurred 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":null,"heading":"F.I.7. Grace Period","page":20,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-7-grace-period"},{"clause":null,"heading":"F.I.8. Premium Payment in Instalments (For","page":21,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-i-8-premium-payment-in-instalments-for"}],"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":"Room rent is covered up to 2% of Sum Insured for a hospital room, subject to a maximum of Rs. 3,000. An optional cover can remove the room rent limit and allow coverage up to a Single Private AC Room.","display":"Up to 2% of Sum Insured, maximum Rs. 3,000; optional removal up to Single Private AC Room","note":null,"quote":"Room Rent: Covered up to 2% of Sum Insured for a Hospital Room, up to a maximum of Rs 3,000 ... We will provide for an option to remove the Room Rent limit applicable on the Inpatient Hospitalisation and allow for coverage up to a Single Private AC Room.","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"},{"clause":null,"heading":"D.lll.4. Removal of Room Rent Limit","page":11,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-d-lll-4-removal-of-room-rent-limit"}],"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":"The base limit is expressed as room rent, not a room category. If the optional Removal of Room Rent Limit is chosen, coverage is up to a Single Private AC Room.","display":"Base: room-rent cap; optional: Single Private AC Room","note":null,"quote":"Room Rent: Covered up to 2% of Sum Insured for a Hospital Room, up to a maximum of Rs 3,000 ... Removal of room rent Limit | Covered up tto Single Private AC Room","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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 charges are covered up to 4% of Sum Insured for ICU, subject to a maximum of Rs. 7,000.","display":"Up to 4% of Sum Insured, maximum Rs. 7,000","note":null,"quote":"ICU Charges: Up to 4% of Sum Insured for ICU up to a max of Rs 7,000","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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 admitted in a room where the room category or room rent is higher than specified, the policyholder/insured bears a rateable proportion of associated medical expenses. This does not apply to ICU hospitalization.","display":"Yes, rateable proportion of associated medical expenses if room limit is exceeded; not applicable for ICU","note":null,"quote":"If the Insured Person is admitted in a room where the room category or the Room Rent incurred is higher than that which is specified in the Schedule to this Policy, then the Policyholder/Insured Person shall bear a rateable proportion of the total Associated Medical Expenses ... It shall not be applicable for Hospitalization in ICU.","sources":[{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"There is no deductible unless the optional Deductible is chosen. The optional deductible is Rs. 1/2/3/4/5 Lacs in combinations, provided the deductible is not higher than the Sum Insured opted.","display":"Optional deductible: Rs. 1/2/3/4/5 Lacs","note":"Deductible is an optional cover; Voluntary Co-pay and Deductible cannot be taken under a single Policy.","quote":"Optional Covers | Deductible* | Deductible - `1/2/3/4/5 Lacs in all combinations provided the Deductible is not higher than the Sum Insured opted | Deductible - `1/2/3/4/5 Lacs in all combinations provided the Deductible is not higher than the Sum Insured opted.","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":60},"display":"60 days","note":"Payable if the inpatient claim under Section D.I.1 is admitted and the expenses relate to the same illness/condition.","quote":"We will, on a reimbursement basis cover Medical Expenses of an Insured Person which are incurred due to a Disease/ Illness or Injury up to 60 days immediately prior to the Insured Person's date of Hospitalization","sources":[{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"}],"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":90},"display":"90 days","note":"Payable if the inpatient claim under Section D.I.1 is admitted and the expenses relate to the same illness/condition.","quote":"We will, on a reimbursement basis cover Medical Expenses of an Insured Person which are incurred due to a Disease/ Illness or Injury up to 90 days immediately post discharge of the Insured Person from the Hospital","sources":[{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"}],"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 requiring less than 24 hours hospitalization due to technological advancement is covered. Annexure III says 171 procedures are covered up to full sum insured.","display":"171 procedures, covered up to full sum insured","note":"Any treatment in an outpatient department/OPD is not covered under day care treatment.","quote":"We will cover payment of Medical Expenses of an Insured Person in case of Medically Necessary Day Care Treatmen or Surgery that requires less than 24 hours Hospitalization due to advancement in technology ... Day Care Treatment | 171 procedures, Covered up to full sum insured","sources":[{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"},{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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 treatment is covered when treatment that would normally require hospitalization is taken at home on medical advice because the insured cannot be transferred to a hospital or a hospital bed is unavailable, provided treatment continues for at least 3 days.","display":"Covered up to Sum Insured; treatment must continue at least 3 days","note":null,"quote":"We will cover Medical Expenses of an Insured Person which are towards a Disease/Illness or Injury which in the normal course would have required Hospitalization but is taken at home on the advice of the attending Medical Practitioner ... The condition of the Insured Person does not allow a Hospital transfer; or ... A Hospital bed was unavailable; Provided that, the treatment of the Insured Person continues for at least 3 days","sources":[{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"},{"clause":"46(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-3"},{"clause":"46(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-ii-2"}],"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 inpatient hospitalization or day care treatment is covered up to the Sum Insured for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy, when taken in an AYUSH hospital or AYUSH Day Care Centre.","display":"Covered up to Sum Insured limits","note":"AYUSH treatment outside India is excluded.","quote":"We will cover In-patient hospitalization/day care treatment expenses up to the limits of Sum Insured, for an Insured Person towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy for Hospitalization arising due to Accident or Illness provided such treatment is taken in a AYUSH hospital/AYUSH Day Care Centre.","sources":[{"clause":null,"heading":"D.l. 9. AYUSH Cover","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-d-l-9-ayush-cover"}],"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":"quote-verified","value":"Modern and advanced treatments are covered when availed under inpatient hospitalization or as day care treatment, subject to the illness/injury being covered under hospitalization expenses and certified medically necessary. Listed treatments include oral chemotherapy, immunotherapy, deep brain stimulation, bronchial thermoplasty and hematopoietic stem cell therapy for bone marrow transplant.","display":"Listed Modern and Advanced Treatment covered up to Sum Insured","note":null,"quote":"This benefit shall offer the below covers up to the limits mentioned: a.Listed Modern and Advanced Treatment: up to Sum Insured ... The following Modern and Advanced Treatment methods will be covered when availed under In-patient Hospitalization or as a Day Care Treatment (Section D.I.4):\n• Uterine Artery Embolization and HIFU ... • Oral chemotherapy\n• Immunotherapy - Monoclonal Antibody to be given as injection ... • Stem cell therapy - Hematopoietic stem cells for bone marrow transplant","sources":[{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"},{"clause":"46(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-2"}],"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":"In-patient hospitalization medical expenses for the donor for harvesting the organ are covered up to the limits of the Sum Insured, if the organ is for the insured person and the inpatient hospitalization claim is admitted. Pre/post-hospitalization donor expenses, donor screening, organ acquisition costs and donor complications are not covered.","display":"Donor inpatient harvesting expenses covered up to full Sum Insured","note":null,"quote":"We will cover In-patient Hospitalization Medical Expenses towards the donor (in accordance with Section D.I.1 above) for harvesting the organ up to the limits of the Sum Insured ... The organ donated is for the use of the Insured Person ... We will not cover expenses towards the Donor in respect of:\ni) Any Pre or Post - hospitalization Medical Expenses,\nii) Cost towards donor screening","sources":[{"clause":"46(I)(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-a-3"},{"clause":"46(I)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-b-3"},{"clause":"46(I)(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-d"}],"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 Rs. 2000 per hospitalization event for emergency transport by a registered healthcare or ambulance service provider to a hospital, when admission is necessitated and ambulance use is certified by the treating medical practitioner.","display":"Road ambulance up to Rs. 2000 per hospitalization event","note":null,"quote":"We will provide for reimbursement of Reasonable and Customary expenses up to Rs. 2000 per hospitalization event as specified in the Policy Schedule, towards transportation of an Insured Person by aregistered healthcare or Ambulance service provider to a Hospital for treatment of an Illness or Injury in case of an Emergency","sources":[{"clause":"46(I)(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-a-2"}],"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 the opted Sum Insured once in a policy year when the opted Sum Insured and earned Cumulative Bonus are insufficient because of previous claims. The restored sum insured is not available for the same illness/disease/injury and is not available for the first claim; Annexure III says it is unavailable for Rs. 0.5L and Rs. 1L Sum Insured.","display":"100% restoration once in a Policy Year for unrelated future claims; not for Rs 0.5L and Rs 1L","note":null,"quote":"We will provide for a 100% restoration of opted Sum Insured once in a Policy Year ... 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 ... shall not apply to the first claim in the Policy Year ... Restoration of Sum Insured Available for all Sum Insured's except `0.5L and `1L","sources":[{"clause":"46(I)(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-d"},{"clause":"46(I)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-b-4"},{"clause":"46(I)(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-c-2"},{"clause":null,"heading":"Operations on the urinary system","page":41,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-operations-on-the-urinary-system"}],"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":"Cumulative Bonus increases the Sum Insured by 5% at the end of the Policy Year if renewed with the insurer, up to a maximum of 100% of the opted Sum Insured. It is not reduced for future claims unless utilised.","display":"5% each year, maximum 100%; not reduced for claims unless utilised","note":null,"quote":"We will increase Your Sum Insured by 5% at the end of the Policy Year if the Policy is renewed with Us. ... The Cumulative Bonus will not be accumulated in excess of 100% of the opted Sum Insured ... Any earned Cumulative Bonus will not be reduced for claims made in the future unless utilised.","sources":[{"clause":null,"heading":"D.II.Value added covers","page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-d-ii-value-added-covers"},{"clause":"46(I)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-b-5"},{"clause":"46(I)(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-46-i-c-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 expenses are excluded, except ectopic pregnancy; miscarriage is excluded unless due to an accident.","display":"Not covered, except ectopic pregnancy; miscarriage only if due to an accident","note":null,"quote":"E.l.18. Maternity: Code - Excl 18\na. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy;\nb. Expense towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":null,"heading":"Table of Contents","page":17,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-table-of-contents"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 depends on Zone. ProHealth Select (B) has a zone discount of 8% for Zone 2 and 16% for Zone 3, and treatment in a higher zone can attract 10% or 20% co-pay.","display":"Yes; Zone 2 discount 8%, Zone 3 discount 16%, higher-zone treatment co-pay may apply","note":null,"quote":"The Premium charged on the Policy will depend on the Sum Insured,Policy Tenure, Age, Zone, Policy Type, Optional Covers, Premium Payment mode and Add On Benefits opted. ... Zone Discount (Only for ProHealth Select (B)):\nDiscount offered is 8% for customer from Zone 2 and 16% for customer from Zone 3. ... 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.Il.10. Premium calculation","page":24,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-f-il-10-premium-calculation"},{"clause":null,"heading":"3. Long Term Discount","page":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-3-long-term-discount"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 network hospital access are through the insurer's service partner/TPA, but all customer contact points, including claim intimation, submission, settlement and dispute resolutions, are with the insurer.","display":"TPA/service partner for network access and claim processing; customer contact with insurer","note":null,"quote":"Cashless and Reimbursement Claim processing and access to network hospitals is through Our service partner ... A TPA will be used for Network Access and 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":26,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#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 Schedule where under You and Your Dependents named in the Schedule are insured under this Policy as at the Inception Date. The Sum Insured for a Family Floater means the sum shown in the 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":"8. Family Floater","page":5,"url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797#c-8-family-floater"}],"law":[]}],"documents":[{"kind":"wording","label":"ManipalCigna ProHealth Select (MCIHLIP21129V022021)","pages":27,"fetched_at":"2026-10-17 19:51:15+00","source_url":"https://www.manipalcigna.com/documents/20124/10123363/21.+ProHealth+Select+V2+TnC.pdf/5e4cf110-ed60-b388-037c-fb7f9e232dcb?t=1756470058969","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12777"},{"kind":"wording","label":"ManipalCigna ProHealth Select (MCIHLIP24016V032324)","pages":27,"fetched_at":"2026-10-17 19:51:18+00","source_url":"https://www.manipalcigna.com/documents/20124/10123363/23.+ProHealth+Select+V3+TnC.pdf/0d65763a-f3f0-ebe8-ee5c-dc1d94a44bf6?t=1756470062755","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12780"},{"kind":"wording","label":"ManipalCigna ProHealth Select (MCIHLIP25025V042425)","pages":42,"fetched_at":"2026-10-17 19:51:21+00","source_url":"https://www.manipalcigna.com/documents/20124/10123363/25.+ProHealth+Select_V4_TnC.pdf/dfa426b0-1e86-a0d4-f400-1cbeeac5c503?t=1756470065430","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12783"},{"kind":"wording","label":"ManipalCigna ProHealth Select (MCIHLIP26037V052526)","pages":46,"fetched_at":"2026-10-17 19:51:41+00","source_url":"https://www.manipalcigna.com/documents/10140644/12456929/ProHealthSelect-V5-TnC.pdf/51c4af04-2596-6d3a-1f0f-7c3704f4114e?t=1791217372584","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/12797"},{"kind":"wording","label":"ManipalCigna ProHealth Select (IRDAI copy)","pages":30,"fetched_at":"2026-10-20 02:29:16+00","source_url":"https://irdai.gov.in/documents/37343/931203/MCIHLIP21129V022021_2020-2021.pdf/4901b47d-a509-ceed-d4dc-3c9081663656?version=1.1&t=1668593944509&download=true","url":"https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526/document/28521"}],"versions":[{"uin":"MCIHLIP21129V022021","version":null,"approved_on":null},{"uin":"MCIHLIP24016V032324","version":null,"approved_on":null},{"uin":"MCIHLIP25025V042425","version":null,"approved_on":null},{"uin":"MCIHLIP26037V052526","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 Select (UIN MCIHLIP26037V052526), IndiaInsurances, https://indiainsurances.com/policy/manipal-cigna-health-insurance/manipalcigna-prohealth-select-mcihlip26037v052526"}