ManipalCigna ProHealth Protect Insurance Plan

Minimum age - 91 days for children Minimum age - 18 years for adults Maximum age - No limit

Individual basis

The policy term can be chosen between a period of 1 year or 2 years

The policy has a lifetime renewal option

The required sum insured can be Rs. 2.5 lakhs, Rs. 3.5 lakhs or Rs. 4.5 lakhs

1. Age of the insured
2. Lifestyle choices (example smoking)
3. The sum assured chosen by the insured
4. Medical tests results
5. Location of the insured, based on the cities or towns
6. 10% discount will be allowed on premiums for enrolling more than 2 members under a single individually policy

1. The policy offers worldwide emergency coverage
2. Restoration of sum insured can be availed if the claims have deplenished the sum insured completely, up to 100% can be restored.
3. The policy will provide cumulative bonuses for no claims
4. Free look period of 15 days will be provided under the policy
5. A health maintenance benefit will be provided to cover costs incurred for consultation and pharmacy charges up to Rs. 500
6. Pre hospitalization of up to 60 days in covered and Post hospitalization pf up to 90 days is covered
7. Reward Points for each year can be earned with premiums paid and accumulated, points can also be earned by completing online wellness programmes. These points can be redeemed to get a discount or to get health maintenance benefits of equal value
8. Cost of all drugs and medications, diagnostic charges, pacemakers, blood, etc
9. Treatment of domiciliary nature is covered due to unavailability of bed space in a hospital or if your health condition did not allow hospital transfer
10. In situation where a transplant is required the expenses of the donor will be covered under this policy
11. Ambulance charges are covered up to Rs. 3,000 per hospitalization
12. Day care treatments and procedures are covered under this plan for hospitalization of less than 24 hours
13. Critical illness add-ons benefits will be provided where a lump sum amount will be provided on the diagnosis of the covered critical illness
14. The fees related to the expert opinions of doctors, to decide the best course of action for critical illnesses
15. Waiting period for pre-existing diseases is 48 months after which the pre-existing diseases will be covered

The policyholder can add on a voluntary co-payment option. The policy also has a deductible option here you can choose between Rs. 1 lakh or Rs. 2 lakhs, and pay the deductible amount from your own pocket or with the existing health policy

Before enrollment medical test will be needed for all insured who are 46 years and above for all sum insured options