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ManipalCigna is one of the standalone health insurance service providers in India. The company is renowned for its diverse range of plans targeted at people with different requirements. ManipalCigna ProHealth Plus is a comprehensive health insurance cover provided by the company. This policy is designed in such a way that it appeals to people with differing insurance requirements. This policy provides coverage for the whole family, and it comes with flexible terms and conditions.
The eligibility criteria for ManipalCigna ProHealth Plus can be outlined as follows.
Some of the key features of ManipalCigna ProHealth Plus can be listed as follows.
The benefits offered by ManipalCigna ProHealth Plus can be given the following table.
|In-patient hospitalisation||All expenses up to the sum insured limit|
|Ambulance cover||Up to Rs.3,000 per hospitalisation|
|Organ donor expenses||Covered up to the sum insured limit|
|Worldwide emergency cover||Coverage available for medical expenses arising across the world|
|Sum insured restoration||Up to 100% following a claim (only once during a policy period)|
|Health maintenance benefit||Up to Rs.2,000 per year for out-patient expenses|
|Maternity expenses benefit||Up to Rs.15,000 (for normal delivery) Up to Rs.25,000 (for C-section) Waiting period of 48 months applicable|
|Newborn expenses cover||Up to the sum insured limit under the maternity coverage|
|Cumulative bonus||Up to 10% per claim-free year subject to a maximum of 100% of the sum insured|
|Reduction in waiting period for maternity expenses||With this add-on cover, the waiting period for maternity coverage can be reduced from 48 months to 24 months. This cover also reduces the waiting period for new born baby cover and vaccination cover.|
|Waiver of mandatory copay||This cover waives off the mandatory copay requirement for insured persons 65 years of age and above.|
|Cumulative expense booster||With this cover, the cumulative bonus sum insured can be boosted to 25% per claim-free year. This is subject to a maximum of 100%.|
|Critical illness cover||This cover provides compensation following the first diagnosis of a critical illness named in the policy document.|
There are certain exclusions for which the company is not liable to make any payments. Some of these exclusions can be listed as follows.
The claim procedure for ManipalCigna medical insurance policies are simple and straightforward. For planned hospitalisation, the company must be notified at least 3 days in advance. In case of emergency hospitalisation, the company must be contacted within 48 hours of admission in the hospital. For cashless treatments, you must provide a valid identity proof. Cashless claim form can be obtained from the network hospital itself. Once the documentation is done, the company will authorize the cashless claim request.
For reimbursement claims, the company will require all claim documents along with the proofs of hospitalisation. All bills, medical certificates, diagnostic reports, physician certificates, etc. must be provided while filing for the claim. All these documents must be submitted within 15 days after discharge from the hospital. Once the documents are submitted, the company will validate the documents and settle the claim amount to the insured person.
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