ManipalCigna ProHealth Protect Plan

• Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
• 10,000+ hospitals for cashless treatment
• Claim up to Rs. 55,000 deduction under section 80D**

ManipalCigna Health Insurance Company Limited offers various unique health insurance plans like the ProHealth Protect Plan, Critical Illness Insurance, International Health Insurance, etc.

ProHealth Protect Plan is a one-of-a-kind insurance plan that offers coverage up to Rs. 10 lakh. It is a comprehensive plan that covers expenses ranging from OPD to critical illnesses. A 10% discount is offered on the premium if more than 2 family members are enrolled too.

Eligibility of ProHealth Protect Plan

Insurance providers generally have a set of parameters regarding the age of policyholders.

• The plan can be bought for children who are a minimum of 91 days old and adults who are at least 18 years old.
• The plan has no maximum age limit.
• It offers a lifetime cover.

Sum Insured Range

Sum insured is the amount of medical cover chosen by the policyholder which is payable by the insurance company at the time of hospitalisation.

Features of ManipalCigna ProHealth Protect Plan

• In-patient hospitalisation like single room and ICU expenses will be covered. Also, operation theatre, nursing, drugs, blood, surgical expenses, etc. will be covered up to the sum insured.
• Pre-hospitalisation costs up to 60 days before hospitalisation can be claimed.
• Post-hospitalisation up to 90 days after hospitalisation can be claimed.
• Day care treatment for one-day therapies and surgeries will be covered up to the sum insured.
• Domiciliary treatment, in case hospitalisation is not feasible, will also be covered.
• Donor and ambulance expenses will be covered.
• Medical assistance in case of emergencies abroad will be covered on a reimbursement basis.
• A deductible amount of Rs. 1 lakh, Rs. 2 lakh or Rs. 3 lakh can be opted. The deductible amount is paid by the policyholder out of the total claim made in a policy year.
• The option to avail voluntary co-payment wherein 10% to 20% of the claim can be paid by the policyholder is also available.
• Payment of an additional premium can waive off mandatory co-pay for policyholders above 65 years of age.
• 48 months is the waiting period for pre-existing diseases.
• A 15-day free-look period is offered starting from the day of inception of the plan. If cancelled during the said period, the premium is refunded in case no claims are made.
• A grace period of 30 days is provided for renewal of the policy.
• The policy can be cancelled at any point in time during the term of the policy.
• A 30-day waiting period is applicable for all hospitalisation claims except accidents.
• Certain illnesses have 2-year waiting periods.
• 1-year, 2-year, and 3-year term plans are available. A discount of 7.5% and 10% on the premium are offered for the 2-year and 3-year plans respectively.

Benefits of ManipalCigna ProHealth Protect Plan

Exclusions of ManipalCigna ProHealth Protect Plan

• Claims made for the following are not covered:

• HIV/AIDS-related complications
• Genetic disorders
• Mental disorders
• Suicide or drug abuse
• Loss from childbirth of pregnancy

Why you should buy ManipalCigna ProHealth Protect Plan

ManipalCigna Health Insurance Company was established in the year 2014. They have branches in 15 cities across the country with their headquarters situated in Mumbai. They bagged the “Economic Times Best Promising Brands 2015” award and presently have a total incurred claim ratio of 48.14% (FY 2016-2017).