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ManipalCigna ProHealth Insurance Plan

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ManipalCigna ProHealth Insurance Plan

Cigna TTK Pro Health Insurance Plan caters to all unforeseen health complications, maternity benefits and covers expenses pertaining to the medical treatment of the new-born. The plan offers 4 variants, namely, ProHealth Insurance Protect Plan, ProHealth Insurance Plus Plan, ProHealth Insurance Preferred Plan, ProHealth Insurance Premier Plan.

 

Key Features of ManipalCigna ProHealth Insurance Plan

  • Health Maintenance Benefits covering consultation and pharmacy charges
  • Cumulative Bonus for a claim-free year
  • Restoration of Sum Insured
  • Worldwide Emergency Cover
  • Health check-up on every renewal
  • Expert Opinion on Critical Illnesses
  • Comprehensive cover – up to Rs.1 crore

 

Benefits you get in ManipalCigna ProHealth Insurance Plan 

BASIC COVERS:
 

Plan

ProHealth Protect

ProHealth Plus

ProHealth Preferred

ProHealth Premier

Sum Insured

2.5 Lac

4.5 Lac

15 Lac

 

3.5 Lac

5.5 Lac

30 Lac

100 Lac

4.5 Lac

7.5 Lac

50 Lac

 
 

10 Lac

   

In-patient hospitalization

Covered up to shared room

Covered up to single private room

Pre-hospitalization

Covered up to 60 days before date of hospitalization

Post-hospitalization

Covered up to 90 days post discharge from hospital

Covered up to 180 days post discharge from hospital

Day Care treatment

Covered up to full sum insured

Domiciliary treatment

Covered up to full sum insured

Ambulance expenses

Up to Rs. 2000 per hospitalization event

Up to Rs. 3000 per hospitalization event

Actual expenses paid for hospitalization event

Donor expenses

Covered up to full sum insured

Worldwide emergency cover

Covered up to full sum insured (once in every year)

Covered up to a maximum of Rs. 10 lacs

Restoration of Sum Insured

Once in every policy year

Not available

Health Maintenance Benefit

Covered up to Rs.500

Covered up to Rs.200

Covered up to Rs.15,000 per policy year

Maternity expenses

Not available

Covered up to Rs.15,000 for normal delivery and Rs. 25,000 for C-section per event

Covered up to Rs.50,000 for normal delivery and Rs. 1,00,000 for C-section per event

New Born Baby expenses

Not available

Covered up to limit under maternity expenses

First year vaccinations

Not available

Covered as per national immunization program over and above maternity expenses


VALUE ADDED COVERS:

Plan

ProHealth Protect

ProHealth Plus

ProHealth Preferred

ProHealth Premier

Health check up

Once every 3rd policy year for all insured persons who have completed 18 years of age

Available at each renewal

Expert opinion on critical illness

Available once during the policy year

Cumulative Bonus

5% increase in sum insured, maximum up to 50%

10% increase in sum insured, maximum up to 50%

Not available

Healthy rewards

Reward points can be earned for each year of premium paid and accumulated for 2 years. Points can also be earned for enrolling and completing Our Online Wellness Programs. These earned Reward Points can be used to get a discount in premium from the 3rd Annual Premium or they can be redeemed for equivalent value of Health Maintenance benefits.

Critical Illness

Lump sum payment of 100% of basic sum insured option


OPTIONAL COVERS

Plan

ProHealth Protect (Deductible options)

ProHealth Plus

ProHealth Preferred

ProHealth Premier

Deductible (in Rs.)

2.5 lac

NA

4.5 lac

1 lac

   

3.5 lac

1 lac

 

2 lac

4.5 lac

1 lac

5.5 lac

2 lac

 

2 lac

 

3 lac

   

7.5 lac

2 lac

     

3 lac

   

10 lac

3 lac

Reduction in maternity waiting

Not available

Maternity period reduced to 24 months

Voluntary co-payments

10% or 20% for each and every claim as opted on the policy

not available

not available

 

Additional Features in ManipalCigna ProHealth Insurance Plan

Family Discount: 10% discount on the premium amount on enrolling more than 2 family members under a single individual policy.

Free look Period: A period of 15 days from the receipt of the policy document is available to review the terms and conditions of this policy. Insured can choose to cancel the policy by stating the reason for cancellation.

 

What is not covered in ManipalCigna ProHealth Insurance Plan

Waiting period exclusions:
  • Preexisting disease - 24/36/48 months respectively as per the plan opted
  • Initial waiting period – 30 days from the date of inception of policy
  • For specific ailments – 24 months
  • Maternity – 48 months and 24 months if reduction in waiting period opted 
  • Critical Illness - 30 days from the date inception of policy
Permanent exclusions:
  • Genetic disorders
  • Dental treatment, dentures or surgery
  • Circumcision
  • AIDS/HIV
  • Mental illnesses
  • Please refer brochure for complete list of exclusions.

 
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