ManipalCigna ProHealth Protect Insurance Plan

ManipalCigna aims to make healthcare for people more affordable and even accessible. They even have plans to provide people with a policy that will suit them best. The plan provides at an affordable cost along with a range of benefits. The ManipalCigna ProHealth Protect Policy, is well suited for individuals and families. This health insurance plan aims to provide you with financial support for all expenses related to treatments and hospitalization, and also providing you a safeguard for your health.

Features and Benefits of ManipalCigna ProHealth Protect Plan:

Listed below are the features and benefits of ManipalCigna ProHealth Protect Plan

Eligibility age Minimum age - 91 days for children Minimum age - 18 years for adults Maximum age - No limit
Basis Individual basis
Policy term The policy term can be chosen between a period of 1 year or 2 years
Renewability The policy has a lifetime renewal option
Sum Insured The required sum insured can be Rs. 2.5 lakhs, Rs. 3.5 lakhs or Rs. 4.5 lakhs
Premiums The factors that affect the premium payments are:
  • Age of the insured
  • Lifestyle choices (example smoking)
  • The sum assured chosen by the insured
  • Medical tests results
  • Location of the insured, based on the cities or towns
  • 10% discount will be allowed on premiums for enrolling more than 2 members under a single individually policy
Features of the policy
  • The policy offers worldwide emergency coverage
  • Restoration of sum insured can be availed if the claims have deplenished the sum insured completely, up to 100% can be restored.
  • The policy will provide cumulative bonuses for no claims
  • Free look period of 15 days will be provided under the policy
  • A health maintenance benefit will be provided to cover costs incurred for consultation and pharmacy charges up to Rs. 500
  • Pre hospitalization of up to 60 days in covered and Post hospitalization pf up to 90 days is covered
  • 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
  • Cost of all drugs and medications, diagnostic charges, pacemakers, blood, etc
  • 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
  • In situation where a transplant is required the expenses of the donor will be covered under this policy
  • Ambulance charges are covered up to Rs. 3,000 per hospitalization
  • Day care treatments and procedures are covered under this plan for hospitalization of less than 24 hours
  • Critical illness add-ons benefits will be provided where a lump sum amount will be provided on the diagnosis of the covered critical illness
  • The fees related to the expert opinions of doctors, to decide the best course of action for critical illnesses
  • Waiting period for pre-existing diseases is 48 months after which the pre-existing diseases will be covered
Co-payments 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
Medical test Before enrollment medical test will be needed for all insured who are 46 years and above for all sum insured options

Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the 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?

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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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