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

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:

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.

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