Manipal Cigna ProHealth Select Health Insurance Plan

Manipal Cigna ProHealth Select Health Insurance Plan

Overview

Highlights For

Manipal Cigna -Prohealth Select

Cummulative Bonus

Restore Benefit

Room Rent

Critical Illness Covered

product highlights for Manipal Cigna -Prohealth Select

Features

Sub-limits

Pre-Hospitalisation : 60 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 90 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days for all illnesses (NA on renewal and for accidents)

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 Months

Listed specific illness

Waiting Period- PED : 48 months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Covered up to Single Private Room

Room rent for in-patient hospitalisation

ICU Charges : No

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : We will provide for a 100% restoration of opted Sum Insured once in a Policy Year

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Yes

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : We will increase Your Sum Insured by 5% at the end of the Policy Year if the Policy is renewed with Us

% of the sum insured that rises every claim free year.

Video/telephone consultation : No

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Yes

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : up to Rs. 2000 per hospitalization

Transportation of the patient to the hospital and back home

Convalescence benefit : No

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Yes upto SI

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Yes

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Yes covered upto SI

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : Yes

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Yes

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Yes

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.