• ManipalCigna ProHealth Protect Plan

    Health Insurance
    • 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.

    Minimum sum insured Rs. 2.5 lakh
    Maximum sum insured Rs. 10 lakh

    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

    Health Maintenance A reimbursement of Rs. 500 is provided each year for outpatient expenses
    Health Check-up A comprehensive health check-up is provided once in 3 years for adults
    No-claim Bonus 5% of the sum insured is offered if no claim has been made in a policy year
    • 1% of premium is rewarded for keeping healthy
    • Online wellness programs offer reward points up to 10% of the premium
    • The rewards earned may be redeemed as a discount on the premium or as a health maintenance benefit or services through network partners
    Cumulative Bonus 25% of the sum assured is rewarded at the time of renewal if no claim is made
    Critical Illness Add-on
    • Policyholders between 18 to 65 years of age can avail the critical illness add-on
    • A lump sum amount equal to the sum insured is provided to the insured once the covered critical illness has been diagnosed
    • In the case of the family floater policy, if a claim has been made once, 100% of the sum insured is reinstated for the other family member covered by the policy
    • A 90-day waiting period is applicable before the symptoms of the critical illness occur
    • A survival period of 30 days is also applicable
    Tax benefit As per Section 80(D) of the Income Tax Act, 1961, tax benefits can be claimed for the premiums paid

    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).

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