ManipalCigna Pro Health Prime

Normal: single private A/C room

ICU: no limit

Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.

20% copayment clause for policyholders aged 65 years and above for each claim.

Pre-existing diseases: A waiting period of 3 years applies before coverage for pre-existing conditions begins.

Maternity and newborn coverage: A waiting period of 36 months for maternity-related expenses and 90 days for newborn baby expenses.

Specific treatments: Certain treatments, like critical illnesses or specified conditions, may have their own waiting period, generally up to 2 years.

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8,500+ network hospitals.

All day care procedures are covered in this policy.

Policy provides coverage for Ayush treatments, which include Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These treatments are covered under the policy's Alternative Treatment section, subject to certain terms and conditions.