ManipalCigna ProHealth Accumulate Plan

What is the Plan all About?

This plan aims at securing your health today and grow your reserves for tomorrow to combat rising medical costs. Pro Health Accumulate Plan provides a higher insurance coverage upto 25 lacs offering a bundle benefits ranging from in-hospital to home care. This plan also caters to your smaller expenses towards consultation, diagnostic tests, pharmacy charges and other outpatient expenses through Health Maintenance Benefit.

Key Features

Avail a “Personal Health Wallet” that grows every year,even if you claim
up to 10% discount on renewal for staying healthy
of benefits with Protectiv Healing and Proactiv Living
Covers non allopathic treatment as well

Policy Benefits

The plan will offer thecoverage for ambulance expenses up to Rs 2000 in case of hospitalization.
Health check-up once every 3 years for all insureds above 18 years.
No Claim Bonus offered, which increase the sum insured by 5% for each claim free year upto a maximum of 100%.
This plan offers reward points equal to 1% of premium paid each year. In addition, you can accumulate points by opting for our online wellness programs maximum upto 10% of premium paid in the policy.
Critical Illness benefit and cumulative bonus booster can be opted as an add on to the policy.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Value Added Benefits

The plan will offer thecoverage for ambulance expenses up to Rs 2000 in case of hospitalization.
Health check-up once every 3 years for all insureds above 18 years.
No Claim Bonus offered, which increase the sum insured by 5% for each claim free year upto a maximum of 100%.
This plan offers reward points equal to 1% of premium paid each year. In addition, you can accumulate points by opting for our online wellness programs maximum upto 10% of premium paid in the policy.
Critical Illness benefit and cumulative bonus booster can be opted as an add on to the policy.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

The hospital room sublimit is limited to a single private room under this plan.
Mandatory 10% or 20% Co Payunder this plan ,if theinsured is 65 years and above.

Waiting Period Clause

Initial Waiting Period: 30 days waiting period is applicable from the policy inception date apart from claims due to accidental hospitalization.
Specific Waiting Period: Two Years Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 4 years from the issuance of the first policy.
Critical Illness Add on Waiting Period: A waiting period of 90 days starting from inception anda 30 day survival period will also apply to get a claim under this add on.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult - 18 Years, Child - 91 Days	No Limit
Sum Assured	5.5 Lacs	25 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Years	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness	-