ManipalCigna ProHealth Select Insurance Policy

ManipalCigna ProHealth Select Plan not only helps to secure the insured’s health but also reassures their future. This plan comes with features like a reassurance benefit, which offers an automatic extension of policy for 2 years without any premium payable in case of permanent total disability due to accident or critical illness. 

The plan is available on an individual and family basis. In addition, it gives the option to choose from 2 plan options ProHealth Select A. Prohealth Select B. ManipalCigna ProHealth Select plan allows insured to customize the health plan according to their needs while being healthy all the time. 

Eligibility criteria for ManipalCigna ProHealth Select Insurance Policy

Minimum entry age  Child – 91 days, Adult – 18 years
Maximum entry age No limit
Sum Insured Rs 0.5 lakh to Rs 25 lakhs
Policy term 1, 2 and 3 years

(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Premium payment Single, Annual, Half yearly, Quarterly, Monthly 
Relationships covered Self, spouse, children, parents, siblings, parents in laws and more.

Key highlights of ManipalCigna ProHealth Select Insurance Policy

  • ManipalCigna ProHealth Cash comes with two plan options – ProHealth Select A and Select B.
  • It offers a Cumulative Bonus with a guaranteed 5% each year and a maximum of up to 100%.
  • Restoration benefit of the Sum insured is available under this plan.
  • Re-Assurance Automatic extension benefit of policy for 2 years on the diagnosis of a Critical Illness or Permanent Total Disability due to Accident.
  • The policy gives the choice of the long-term policy up to 3 years.
  • It also offers Healthy Rewards up to 10% of the premium paid. The insured can utilize points towards the payment of renewal premium and more.
  • It comes with a Cumulative Bonus Booster (CBB) with 4 options to choose from.
  • Critical Illness add-on rider is available, covering 11 Critical Illnesses.
  • The plan gives the option to choose from a wide range of Sum insured, starting from Rs 0.5 lakh to Rs 25 lakhs.
  • Tax benefits are available under Sec 80 D, Income Tax Act 1961.
  • The first 30 days waiting period is applicable for all illnesses other than accidents.
  • For specific ailments, a 24 months waiting period is applicable.
  • Pre-existing diseases will be covered after 48 months.
  • A 90-day waiting period is applicable to critical illness under Re-assurance and Add-on cover (if opted).

 

Inclusions in ManipalCigna ProHealth Select Insurance Policy

  • The policy offers Inpatient Hospitalisation which includes hospital room up to Rs 3000 or ICU up to Rs 7000
  • It covers Pre – Hospitalization (60 days) and Post- Hospitalization (90 days) expenses.
  • Day-care Treatments are covered under the ProHealth Select health plan, wherein 171 procedures are covered up to full Sum insured.
  • Domiciliary Treatment expenses are covered up to the full Sum insured.
  • ManipalCigna ProHealth Select policy offers Ambulance Cover up to Rs 2,000 per event.
  • Donor Expenses are covered up to the Sum Insured.
  • AYUSH treatment expenses, including coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy, are covered up to the Sum Insured.

 

Exclusions in ManipalCigna Pro Health Select Insurance Policy

  • Dental treatment.
  • Circumcision.
  • Investigation & Evaluation.
  • Any treatment is traceable to pregnancy except ectopic pregnancy.
  • Routine medical check-ups and diagnostic tests.
  • Hazardous or Adventure sports.
  • Ailments arising out of alcohol and drug abuse.
  • Cosmetic surgery except for reconstructive surgery for burns and accidents.
  • Any form of Alternative Treatment, except Inpatient for AYUSH.
  • Breach of law.
  • Any amount which falls under the deductible or co-pay.
  • Non-Medical Expenses Listed as per IRDA.

 

FAQs:

Is it possible to increase/decrease the Sum insured or change the plan in the ProHealth Select policy?

Any alterations like increase or decrease of Sum Insured or change in the product are allowed only at policy renewal. However, any such change request will be subject to underwriting decisions or requirements of medical tests based on different cases.

What is meant by entry age?

The entry age refers to the eligible age of the insured for taking the policy. Age means completed age as at the inception date.

What covers are available under in-patient hospitalization in the ProHealth Select policy?

ManipalCigna ProHealth Select Policy cover below medical expenses under in-patient hospitalization:

• Room rent for accommodation charges in Hospital room up to a max. of Rs.3000/- per day

• Intensive Care Unit charges for accommodation in ICU up to a max. of Rs. 7000/- per day

• Operation theatre charges,

• Fees of Medical Practitioner,

• Anaesthetist,

• Qualified Nurses,

• Specialists,

• Cost of diagnostic tests,

• Medicines,

• Surgical appliances, drugs and consumables, blood, oxygen, and prosthetic devices are recommended by the attending Medical Practitioner and used intraoperatively during a Surgical Procedure.

Are sub-limits applicable in ManipalCigna ProHealth select plans?

Yes, sub-limits are applicable on room rent and other expenses:
Hospital room charges covered up to 2% of Sum Insured, maximum up to Rs.3000,
ICU charges up to 4% of Sum Insured, maximum up to Rs.7000.

What is the re-assurance benefit option?

Re-assurance benefit offers an automatic extension of policy (base + optional covers) for a period of 2 years from the policy expiry date on the diagnosis of any of the listed Critical Illnesses or Permanent Total Disability. This benefit is available only once in the lifetime of the insured person. One may choose to take this cover along with an additional premium.

What is meant by Cumulative Bonus Booster?

Cumulative Bonus Booster allows an increase in the Sum Insured by a fixed percentage as mentioned below. Cumulative Bonus Booster if opted, will be in place of Cumulative Bonus in the base policy.
Option A) 10% increase in Sum Insured, maximum up to 100%. This will not reduce in case of a claim under the policy. or
Option B) 25% increase in Sum Insured, maximum up to 100%. This will not reduce in case of a claim under the policy. or
Option C) 50% Increase in Sum Insured, maximum up to 100%. This will reduce by 50% in case of a claim under the policy, but shall the Sum Insured be reduced in no case. or
Option D) 10% increase in Sum Insured, maximum up to 200% irrespective of a claim under the policy.

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