ManipalCigna ProHealth Preferred Insurance Plan

A policy that allows one to avail medical facilities as and when required without having to be bothered about the bills of hospitalisation. Apart from basic medical bills, maternity expenses are also covered and a cumulative bonus is awarded along with the return of sum insured if no claims have been made. This health insurance policy comes with the option of , and both children and parents can avail this policy.

The ManipalCigna ProHealth Preferred Plan is one of the four variants under the ManipalCigna ProHealth group of plans.

Features of ManipalCigna ProHealth Preferred Insurance Plan:

Eligibility age Min – 91 days for children and 18 years for adults Max – Lifetime renewal policy, no maximum age
Basis Individual and Family
Premium 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
Sum assured Same as the cover offered, ranging from INR 15 lakhs to INR 50 lakhs
Policy term 1 year or 2 years
Renewability Lifetime renewability option
Cover offered Could be either INR 15 lakhs, INR 30 lakhs or INR 50 lakhs
Discount Family package discount as per 10% of premium for more than 3 members
Benefits
  • Single private room
  • Pre-hospitalisation covers up to 60 days’ expenses
  • Post-hospitalisation covers up to 180 days’ expenses
  • Day care and domiciliary treatment covered up to sum insured
  • Actual ambulance expenses covered
  • Worldwide emergency cover up to INR 10 lakhs
  • Restoration of Sum Insured every year
  • INR 15000 Health Maintenance Benefit per policy year
  • INR 50000 to INR 100000 for maternity expenses
  • New born baby expenses covered as well as the first year vaccinations expenses
Medical Tests Medical tests are mandatory before every renewal of the policy
General Exclusions 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

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

Find cashless network hospitals nearby: ManipalCigna Cashless Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with ManipalCigna?

Other Health Insurance Plans from ManipalCigna:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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