ManipalCigna ProHealth Health Insurance
Claim Settlement Ratio | 88.00% |
Network Hospitals | 8,700+ |
Pre-existing Disease Coverage From | 2 years |
Pre-existing Disease Waiting Period | 2 years |
Special Benefits | Unlimited Restoration |
Starting Premium (for 5L SI) | Rs. 566/month |
About ManipalCigna ProHealth Health Insurance
ProHealth Policy offered by ManipalCigna Health Insurance is a comprehensive medical insurance solution for your illness as it is loaded with basic covers, value-added covers, and optional covers. The policy comes in different variants which you can choose as per your requirements. These are ProHealth Preferred, ProHealth Plus, ProHealth Premier, ProHealth Accumulate, and ProHealth Protect. These variants differ in terms of coverage benefits as well as sum insured options. Read on to learn more about the ManipalCigna Pro Health Insurance Plan.
ManipalCigna Pro Health Insurance Plan At a Glance
Coverage |
Family and Individual |
Riders |
Reduction in maternity waiting period, Daily hospital cash, Co-payment waiver |
Variants |
Preferred, Plus, Premier, Protect, and Accumulate |
Key features |
5 Variants, Comprehensive Coverage, etc |
Inclusion |
Pre and post hospitalisation expenses, Daycare procedures, Domiciliary treatment, etc |
Exclusion |
Any unproven treatment, Infertility treatment, Weight-control treatment |
Key Features of ManipalCigna Pro Health Insurance Plan
Listed below are some of the key features of the ManipalCigna Pro Health Insurance Plan:
- Family and Individual Plan: You can purchase the ManipalCigna Pro Health Insurance Plan on an individual or family floater basis for a term of 1 year, 2 years, or 3 years as per your requirement and budget. If covered on an individual basis, you can include a legally wedded spouse, children, parents, siblings, son-in-law and daughter-in-law, parents-in-law, grandparents and grandchildren, uncle, aunt, nephew and niece apart from self under this policy. Whereas, if covered on a family floater basis, you can include spouse, children, and parents apart from self. You can insure a maximum of 2 adults and 3 children under a single policy.
- Variant: The ManipalCigna Pro Health Insurance Plan is available in different variants such as Protect, Plus, Preferred, Premier, and, Accumulate. Depending on the variant you choose, you will get the relevant coverage.
- Coverage: Some basic coverage benefits offered under the ProHealth Policy include cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare treatment, domiciliary treatment, ambulance cover, AYUSH cover, in-patient hospitalisation expenses incurred by the organ donor, etc. Apart from the basic coverage benefits, the policy also offers several value-added benefits to the insured, some of which include health rewards, health check-ups, expert opinions on critical illnesses, and cumulative bonuses amongst others.
- Add-ons: In case you want more coverage benefits, then you can opt for several coverage benefits that the ManipalCigna Pro Health Insurance Plan offers, some of which include voluntary copay, waiver of mandatory co-pay, cumulative bonus booster, and deductible.
Eligibility Criteria of ManipalCigna Pro Health Insurance Plan
Here are the eligibility criteria for the ManipalCigna Pro Health Insurance plan:
Parametres |
Eligibility Criteria |
Minimum entry age for child |
91 days |
Maximum entry age for child |
23 years |
Minimum entry age for adult |
18 years |
Maximum entry age for adult |
No limit |
Policy year |
1, 2, or 3 year |
Benefits of Buying ManipalCigna Pro Health Insurance Plan
Some of the reasons why you should buy the ManipalCigna Pro Health Insurance Plan are as follows:
- Flexibility: The ManipalCigna Pro Health Insurance Plan offers policyholders the flexibility to choose from 5 different variants. The available variant options with this policy include Plus, Preferred, Premier, Accumulate, and Protect. Depending on your budget and coverage requirements, you can choose a variant of your choice.
- Unlimited Restoration Benefit: With the ManipalCigna Pro Health Insurance Plan, you will also enjoy unlimited restoration benefits. This plan provides 100% restoration benefits which means the sum insured will be restored in case the health insurance gets claimed.
- Comprehensive Coverage: The ManipalCigna Pro Health Insurance Plan provides comprehensive health insurance coverage of up to Rs. 1 crore.
- Medical Check-ups: The ManiapCigna Pro Health insurance plan also provides annual health check-ups and wellness program benefits.
- Family Discount: The ManipalCigna Pro Health Insurance Plan also provides discounts on buying a family plan. A maximum discount of 10% is given for family floater plans.
- Maternity Coverage: The ManipalCigna Pro Health Insurance Plan provides coverage for maternity-related and newborn expenses. Under this, you can get financial assistance of up to Rs. 1 lakh for normal delivery and up to Rs. 2 lakhs for cesarean delivery. You will also get coverage for vaccination expenses with this plan.
- Health Reward Points: The ManipalCigna Pro Health Insurance Plan provides discounts to policyholders who lead a healthy lifestyle. A discount of 20% is given on health insurance premiums.
Variants Available with ManipalCigna Pro Health Insurance Plan
You can choose from five variants with the ManipalCigna Pro Health Insurance Plan Preferred, Plus, Premier, Accumulate, and Protect.
Features |
Protect |
Plus |
Preferred |
Premier |
Accumulate |
Sum insured |
Rs. 2.5 - 50 lakhs |
Rs. 4.5 - 50 lakhs |
Rs. 15 - 50 lakhs |
Rs. 1 crore |
Rs. 5.5 - 50 lakhs |
Daily hospital cash |
Rs. 1000 |
Rs. 2000 |
Rs. 3000 |
Rs. 3000 |
Rs. 1000 |
Reduction in PED Waiting Period |
NA |
Reduced from 4 to 2 years |
Reduced from 4 to 2 years |
Reduced from 4 to 2 years |
NA |
Cumulative Bonus |
Guaranteed 5% |
Guaranteed 10% |
Guaranteed 10% |
Guaranteed 10% |
Guaranteed 5% |
Ambulance expense |
Up to Rs. 2000 |
Up to Rs. 3000 |
Actual expenses |
Actual expenses |
Up to Rs. 2000 |
New born expenses |
NA |
Not covered |
Not covered |
Not covered |
NA |
Riders Available with ManipalCigna Pro Health Insurance Plan
Some of the riders you can include in your ManipalCigna Pro Health Insurance plan are as follows:
- Reduction in Maternity Waiting Period: With this add-on, you can get the waiting period for maternity reduced from 48 to 24 months.
- Hospital Daily Cash: This add-on provides a daily cash benefit of up to Rs. 3000 for hospitalisation that is of at least 24 hours.
- Waiver of Co-pay: This add-on waives off the co-payment clause for policyholders who are above the age of 65 years.
Inclusions and Exclusions of ManipalCigna Pro Health Insurance Plan
Inclusions:
- Hospitalisation cover: This provides coverage of up to Rs. 1 crore.
- Daycare procedures: Up to 546 daycare procedures are covered under this plan
- Pre-hospitalisation expenses: Up to 60 days
- Post-hospitalisation expenses: Up to 180 days
- Coverage for hospital room, suite, or above
- Maternity coverage of up to Rs. 2 lakhs, both normal and cesarean
- Ambulance expenses
- Health maintenance benefits of up to Rs. 15,000
- Worldwide emergency coverage up to SI
- Organ donor expenses up to the sum insured
- Domiciliary cover up to the sum insured
- Medical check-up every policy year, except the first one
Exclusions:
- Non-medical expenses
- Any kind of non-allopathic treatment
- Cosmetic surgery expenses
- Any expenses related to unproven treatment
- Sterility or infertility treatment
- Any treatment related to drug abuse
- Dental treatment Circumcision
Documents Required to Buy ManipalCigna Pro Health Insurance Plan
Some of the documents required to buy the ManipalCigna Pro Health Insurance plan are as follows:
- A duly filled application form
- PAN card
- Aadhaar card
- Bank account details
- Passport
- Copy of previous health insurance
- Pre-existing health report
- Income proof
How to Buy ManipalCigna Pro Health Insurance Plan?
To buy the ManipalCigna Pro Health Insurance Plan, you need to follow the below-mentioned steps:
- Visit the “Health Insurance” section on the official InsuranceDekho website.
- Choose "ManipalCigna Health Insurance" from the list of health insurance companies.
- Then, select "Pro Health Insurance Plan" from the available health insurance plans.
- Read the policy documents carefully
- Upload all the necessary documents to complete the KYC process
- After finishing the KYC process, pay the premium online
- Finally, you will receive the policy document in your registered email
Claim Process of ManipalCigna Pro Health Insurance Plan
With your ManipalCigna Pro Health Insurance Plan, you can either raise cashless or reimbursement claims. Under a cashless claim, you need not spend anything from your own pocket as all the bills will be directly settled at the network hospital. On the other hand, in a reimbursement claim, you first need to spend from your own pocket which will be later reimbursed by the insurance company.
Cashless Claim
- Visit a nearby network hospital that is tied up with ManipalCigna
- Submit all the relevant documents along with policy documents at the hospital
- The insurance will next intervene and review your claim request
- Once, ManipalCigna approves all the documents and claim requests, your bills will be directly settled at the network hospital
Reimbursement Claim
- Choose a nearby non-network hospital
- Under reimbursement claim, you need to first pay for the medical expenses from your pocket
- Next, raise a claim on the ManipalCigna website
- Submit all the documents along with your claim form
- ManipalCigna Health will then verify the claim request
- Once approved, all the medical expenses will be reimbursed
Health Insurance Calculator
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Select the age of all members
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Road ambulance expenses arising due to the transfer of the patient to the nearest hospital
- Daycare treatment expenses
- AYUSH treatment expenses
What's Not Included
- Pre-hospitalisation and post-hospitalisation expenses for up to a specific limit
- Expenses arising due to civil war
- Treatments required due to contamination from nuclear fuel or radiation
- Expenses arising due to the insured committing a breach of law
- Hospitalisation for investigation purpose
- Expenses arising due to suicide attempt
Pro Health Plan Details
Features/Plan | Pro Health Protect | Pro Health Plus/Preferred/Premier |
---|---|---|
Restoration Benefit | Multiple restoration | Multiple restoration |
No Claim Bonus | Up to 200% of SI | Up to 200% of SI |
Room Rent | Single private room up to Rs. 5.5 lakh, and any room category above suite for high SI | Any room, except suite |
8674 ManipalCigna Cashless Network Hospitals in India
Choose ManipalCigna Health Insurance Plan for
Add-ons to Enhance Benefits
ManipalCigna Pro Health Expert Review
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Major Attractions
The Pro-Health Insurance Plan tries to offer an extensive range of coverage for the insured individuals. From basic to advanced, the plan provides coverage for every medical treatment and procedure. The policyholders of this plan have shown a great sense of satisfaction pertaining to its attractive coverage features. Here are a few major highlights of the plan:
- Coverage for in-patient hospitalisation
- Pre and post hospitalisation for 60 and 90 days
- Availability of worldwide emergency cover
- Organ donor expenses are covered under the plan
- The plan covers 500 specified day care procedures
- Coverage related to domiciliary treatment is offered
- Second opinion option is offered once a policy year
- Maternity, newborn and vaccination expenses are covered
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What’s More?
The Pro-Health Insurance Plan possesses many more features as well. Besides essential coverage elements, the health insurance policy provides some profitable components which make customers earn some profit. Following are some additional benefits of the plan:
- Lifelong renewability option is available
- A discount of 7.5% is given for buying a 2-year policy and 10% for 3 years
- 25% of family discount is provided for covering 2 or more family members
- Policyholders can save tax as per section 80D of IT Act
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Conclusion
Analysing several features and additional benefit providing components of the plan ensures that Pro-Health Insurance Plan is a perfect choice for a family. The policy can be bought on an individual as well as family floater basis. In addition to the offerings of the plan, it is a widely appreciated product of ManipalCigna health insurance plans and is available at reasonable prices.
Selecting the right insurance plan is as crucial as buying it from the right platform. In this scenario of the digital world, when everybody is online, going offline for a policy purchase is a bad idea. However, you should find a trusted name like insurancedekho.com to proceed further here. It is an authentic broker that deals in the health insurance sector and help customers find the best suitable insurance policy for them. The firm’s team render their services from purchase to claim settlement process.
Claim Process at ManipalCigna Health Insurance
FAQs on Pro Health Health Insurance Plan
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What covers are available with ProHealth Plan?
Covers are divided in four parts: Basic Covers: It includes in patient hospitalisation, pre-hospitalisation, post-hospitalisation, day care treatment, domiciliary treatment, ambulance cover, donor expenses, worldwide emergency cover, restoration of sum insured, health maintenance benefit, maternity expenses, newborn expenses, first year vaccinations. Value Added Covers: Health checkup, expert opinion on critical illness, cumulative bonus, and healthy rewards. Optional Covers: Deductible, reduction in maternity waiting and voluntary co-pay. Add On Cover: Critical illness
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What is the minimum and maximum age required for buying ProHealth insurance plan?
The entry age is maximum 91 days for children and 18 years for adults. Under a floater plan, it is 23 years for children and lifetime for adults.
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What is the tenure of the ProHealth plan?
The policy tenure is either 1 year or 2 years. You have the option to choose the tenure when buying the policy.
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Where is the pre-medical test conducted?
The pre-medical check-up is conducted at the network of diagnostic designated centers identified by CignaTTK.