ManipalCigna operates as a standalone health insurance service provider in India. The company is renowned for its range of health insurance plans that cater to the requirements of customers with different needs. ProHealth Insurance Accumulate is a unique health insurance plan that builds a reserve within the insurance plan for your future requirements. In addition to the reserve benefit, this cover also comes with a range of hospitalisation benefits to provide adequate coverage for the insured.
ManipalCigna has set forth the following eligibility criteria that must be met by potential policyholders.
The key features of ManipalCigna ProHealth Insurance Accumulate can be listed as follows:
The key benefits offered by this medical insurance cover can be given as follows:
|In-patient hospitalisation||All medical expenses up to the sum insured limit|
|Day care treatment||All day care expenses up to the sum insured limit|
|Domiciliary treatment||Covered up to the sum insured limit|
|Worldwide emergency cover||Coverage for medical expenses|
|Emergency ambulance cover||Up to Rs.2,000 per hospitalisation|
|Organ donor cover||Covered for all medical expenses related to organ transplant|
|Restoration of sum insured||Up to 100% restoration of sum insured (once in a policy year) without any extra premium|
|Health Maintenance Benefit||Reimbursement up to Rs.20,000 per year for various health needs|
|Free health checkup||Once every three years|
|Cumulative bonus||5% per claim-free year subject to a maximum of 100%|
|Voluntary deductible||Multiple options between Rs.50,000 and Rs.5 lakh|
|Mandatory copayment waiver (optional)||Mandatory copayment waiver benefit available for people older than 65 years on payment of additional premium|
|Cumulative bonus booster (optional)||Up to 25% per claim-free year (maximum 100%) on payment of additional premium|
|Critical illness cover (optional)||Lump sum benefit equal to the sum insured upon first diagnosis of a named critical illness (subject to a 90-day waiting period)|
Some of the exclusions named under ManipalCigna ProHealth Insurance Accumulate can be listed as follows:
ManipalCigna operates a helpline to deal with all the claim processes. It is better to notify the company 3 days in advance for planned hospitalisation. For emergency situations, the company can be notified within 48 hours. If you are looking for cashless treatment, you can contact the helpline and request pre-authorisation. Authorisation form can be obtained from the hospital and faxed to the company with the relevant documents. Once you have submitted all the necessary documents along with the authorisation form, the company will provide the approval for cashless treatment.
Reimbursement claims follow a slightly different ordeal. Here, the claim filing must be made after discharge from the hospital. The company might require various documents such as medical bills, discharge summary, diagnostic reports, physician certificates, etc. Once the documents are all submitted, the company will verify the documents and validate the claim. After the verification process, the settlement amount will be paid to the policyholder.
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