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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 PlanProHealth Insurance Plus PlanProHealth Insurance Preferred PlanProHealth Insurance Premier Plan.

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Health Maintenance Benefits
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Worldwide Emergency Cover
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Comprehensive cover
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Key Features

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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

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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
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.

Exclusions

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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.