Manipal Cigna Pro Health Premier 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.

The policy can be taken as or on family floater basis. It is mandatory to undergo medical test before purchasing this policy. This health insurance policy is one of the four variants under the Manipal Cigna Pro Health group of plans.  

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Features of Manipal Cigna Pro Health Insurance Premier Plan

The features of this plan are listed below:

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

Fixed cover of INR 100 lakhs

Policy term

1 year or 2 years

Renewability

Lifetime renewability option

Cover offered

Fixed cover of INR 100 lakhs

Discount

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

Benefits

  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

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.

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

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