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.
Health Maintenance Benefits
Worldwide Emergency Cover
Comprehensive cover
Compare this plan with other Health Plans
Key Features
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
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
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.