ManipalCigna ProHealth Select Insurance Policy

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

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.