ManipalCigna ProHealth Preferred Insurance Plan

Min - 91 days for children and 18 years for adults Max - Lifetime renewal policy, no maximum age

Individual and Family

Premium amounts are decided as per the tier of the city the person belongs to, the results of the medical tests and are dependent on the discretion of ManipalCigna

Same as the cover offered, ranging from INR 15 lakhs to INR 50 lakhs

1 year or 2 years

Lifetime renewability option

Could be either INR 15 lakhs, INR 30 lakhs or INR 50 lakhs

Family package discount as per 10% of premium for more than 3 members

1. Single private room
2. Pre-hospitalisation covers up to 60 days' expenses
3. Post-hospitalisation covers up to 180 days' expenses
4. Day care and domiciliary treatment covered up to sum insured
5. Actual ambulance expenses covered
6. Worldwide emergency cover up to INR 10 lakhs
7. Restoration of Sum Insured every year
8. INR 15000 Health Maintenance Benefit per policy year
9. INR 50000 to INR 100000 for maternity expenses
10. New born baby expenses covered as well as the first year vaccinations expenses

Medical tests are mandatory before every renewal of the policy

Waiting period exclusions - Pre-existing disease - 24/36/48 months respectively as per the plan opted Initial waiting period - 30 days from the date of inception of policy For specific ailments - 24 months Maternity - 48 months and 24 months if reduction in waiting period opted Critical Illness - 30 days from the date inception of policy Permanent exclusions - Genetic disorders Dental treatment, dentures or surgery Circumcision AIDS/HIV Mental illnesses