ManipalCigna ProHealth Accumulate Insurance Plan

Eligibility

1. The minimum entry age is 91 days for children.
2. The minimum entry age for adults is 18 years.
3. There is no maximum entry age.

Policy Period and Renewal

1. Choice of 1 year, 2 year and 3 year terms.
2. Lifetime renewal opportunity
3. 30-day grace period for renewals
4. Free look period of 15 days

Sum Insured Options and Plan Options

1. Rs.5.5 lakhs
2. Rs.7.5 lakhs
3. Rs.10 lakhs
4. Rs.20 lakhs
5. Rs.25 lakhs

Coverage

1. Hospitalization expenses - Covers accommodation, ICU charges, surgeon's fees, nursing, blood, anesthesia, oxygen, operation theater charges, medicines, drugs, surgical appliances, and consumables. 
2. Pre-hospitalization - Expenses such as doctor's fees, pharmacy, diagnostic tests incurred upto 60 days before hospitalization. 
3. Post-hospitalization - Expenses such as consultation fees, diagnostic tests, pharmacy related costs and so on, upto 90 days after discharge. 
4. Domiciliary treatment - For expenses of treatments done at home when you cannot be transferred to a hospital. 
5. Day-care treatment - For hospitalization for less than 24 hours for procedures such as dialysis, radiation therapy, cataract surgery and so on. 
6. Pre-existing diseases (after 48 months of continuous cover under this plan). 
7. Organ transplantation - Medical expenses for organ transplant and in-patient charges of the donor is covered. 
8. Ambulance cover - Upto Rs. 2,000 for every hospitalization. 
9. Critical Illnesses Add-on 

Exclusions

1. HIV/AIDS and complications arising thereof
2. Genetic disorders
3. Mental disorders
4. Suicide or drug abuse
5. Any loss resulting from childbirth or pregnancy

Tax Benefits

Premiums paid for this plan are eligible for deductions under Section 80D of the Income Tax Act. Premiums paid in cash are not eligible.

Other Benefits

1. Worldwide emergency cover
2. Restoration of sum insured
3. Health Maintenance Benefit with 5% bonus every year on the unutilized value.
4. Health Check-up
5. Expert Opinion on Critical Illnesses
6. Reward points
7. Voluntary co-payment
8. Waiver of mandatory co-pay for policyholders above 65 years