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What Is Special About ProHealth Accumulate Policy?

ManipalCigna Pro Health Accumulate is a comprehensive health plan with wide coverage ranging from Rs 5 lakhs to Rs 50 lakhs. Unique inbuilt features include worldwide emergency cover, maternity cover, new born baby cover, restoration of Sum Assured, etc. The plan also covers expenses for outpatient consultations,pharmacy, diagnostic tests through its Health Maintenance Benefit. The plan also has various valued added benefits like cumulative bonus, expert second opinion in case of a critical illness, healthy rewards and free annual health check-ups.
  • This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
  • Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
  • This policy provides a discount of up to 20% on the renewal premium

Features of Manipal Cigna ProHealth Accumulate Health Insurance Policy

Check the features and coverage of Manipal Cigna ProHealth Accumulate Health Insurance plan below:

Ambulance Charges

Upto Rs 2000 per hospitalization event

Ayush Treatment

In-patient hospitalization covered up to Sum Insured


20% Co-pay applicable

Cover Restoration

Unlimited for unrelated illness/injury. And no need for entire Sum Insured to get exhausted for restore to trigger.It will not trigger on First claim, Worldwide Emergency Cover, Maternity, New Born Baby & First Year Vaccinations cover.

Day Care Procedures

No capping on any disease, 546 Day care procedures covered.

Treatment At Home

Upto Sum Insured. Minimum hospitalization required is of 3 days. Pre & Post hospitalization will be restricted to 30 days

Manipal Cigna ProHealth Accumulate Plan Resources

Policy Brochure

Policy Wordings

Exclusions of Manipal Cigna ProHealth Accumulate Health Insurance Policy

Manipal Cigna ProHealth Accumulate plan does not cover the following:

Daily cash allowance

Maternity expenses

New born treatment

Recovery allowance

Cosmetic surgery

Drugs / alcohol abuse

Other Plans From Manipal Cigna

Manipal Cigna health insurance offers 9 health insurance plans. The premium of these plans starts from Rs. 1770/yr. The sum insured ranges from Rs. 3 Lakh - 3 Cr. Details of the comprehensive coverage provided by the following 9 Manipal Cigna health insurance plans are listed below:

Calculate ProHealth Accumulate Plan Premium

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Manipal Cigna Claim Settlement Ratio


Manipal Cigna


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Manipal Cigna has a claim settlement ratio of 99%, as compared to the industry average of 94.21%.

Manipal Cigna Claim Process

Manipal Cigna supports both cashless claims and reimbursement claims. This section covers the information on how to check Manipal Cigna health insurance claim status, fill Manipal Cigna health insurance claim form, and the claim settlement process.

  1. If you are getting hospitalised in a networked hospital, it would be a cashless claim. You should inform the insurance company immediately of your claim
  2. Fill up a pre-authorization form stating the claim details and submit the form to the insurance company
  3. If it is a planned hospitalisation, the form should be filled in and submitted at least 3 to 5 days before being hospitalised. If, on the other hand if the hospitalisation is due to an emergency, fill up the form and submit it within 24 hours of hospitalisation
  4. The insurance company would verify the pre-authorization form and approve the claim
  5. Once the claim is approved you can avail cashless treatments. The medical bills would be settled by the insurance company directly with the hospital
  6. A Manipal Cigna Health Insurance claim form should be filled and submitted with the insurance company along with all the medical documents to complete the claim process

  • If you are being hospitalised in a non-networked hospital, your claim would be settled on a reimbursement basis
  • You should inform Manipal Cigna of the claim and then avail treatments
  • Pay for the medical expenses incurred on your treatments
  • After being discharged from the hospital, collect the Discharge Summary
  • Fill up the claim form of Manipal Cigna Health Insurance and submit it along with all the original medical bills and reports. The Discharge Summary should also be submitted to the insurance company
  • Manipal Cigna would assess the documents submitted, verify the authenticity of the claim and then reimburse the expenses incurred on hospitalisation

Manipal Cigna Health Insurance Renewal Process

ManipalCigna Health Insurance Policy Online Renewal Process

Renew your Manipal Cigna health policy with ease by following these steps
Step 1: Go to the official ManipalCigna Health Insurance website. Click on the 'Renewal' option and choose Retail Customer.
Step 2: Provide necessary information like your policy number and date of birth and then click 'Proceed.' You can find your policy number in the email & text messages sent to you on your register email & mobile number
Step 3: Carefully review policy details and make online payment using the available flexible payment methods
Step 4: An email confirming the premium payment and policy renewal will be sent to you

Please note that the company offers hassle free renewal of your policy even if your policy has crossed the renewal date, up to 30 days

Renewing Your ManipalCigna Health Insurance Policy Offline

For offline policy renewal with ManipalCigna Health Insurance, you have two options

  • Contact ManipalCigna Health Insurance experts via the toll-free number 1800-102-4462 to share your renewal requirements
  • Visit a nearby ManipalCigna Health Insurance branch to complete the renewal process in person

Manipal Cigna Customer Care

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