ManipalCigna ProHealth Plus Plan

What is the Plan all About?

Pro Health Insurance Plus allows you to defense your health with financial support for the money associated with the medical hospitalization which includes room rent, treatment expenses, diagnostic tests cost, medicines,etc. ProHealth plan gives you a financial support in those tough times and offer variety of benefits under its umbrella.

Key Features

Get discounts to save premium upto 30%
Additional non-reducing Cumulative Bonus
Live worry free with Protective Healing & ProActive Living
Healthy Rewards to reduce renewal premium upto 10%
Additional coverage with Smart Restoration and Maternity Expenses

Policy Benefits

Inpatient hospitalization expenses as mentioned in the policy are covered upto the sum insured.
Pre hospitalization expenses are covered upto 60 days before you are hospitalized and Post hospitalization expenses are covered upto 180 days after you are discharged.
Day care procedures which needs the insured to be hospitalized for less than 24 hours and are listed in the policy contract are covered up to the sum insured.
Domiciliary treatment expenses are covered under this plan upto the sum insured.
The medical expenses for organ transplant, incurred for the inpatient hospitalization of the donor are also covered up to the sum insured.
This plan covers your medical expenses abroad up to the full sum insured on a reimbursement basis.
The plan will restore 100% of Sum Insured once in a policy year to meet future claims for all unrelated diseases/injury.
Avail reimbursement upto Rs.2,000/- annually to combat expenses such as doctor’s fees, pharmacy expenses, diagnostic tests, non allopathic treatments like (AYUSH), etc.
This plan provides a coverage upto Rs. 15,000 for normal delivery and Rs. 25,000 for a C-section to cover maternity related expenses.

Value Added Benefits

Covers the hospitalization expenses of the newbornup to the sum insured under the maternity coverage.
Covers first year vaccinations expenses of the new born as per the National Immunization program.
Annual Health check-up for all major insured persons.
No Claim Bonus offered, which increase the sum insured by 10% 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 program’s maximum upto 10% of premium paid in the policy.
Critical Illness benefit can be opted as an add on to the policy.
Get the Expert opinion for the specified critical illnesses.
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 20% Co Payunder this plan,if theinsured is 65 years and above.

Waiting Period Clause

Initial Waiting Period: 30 days from the policy inception date for any kind of claims apart from claims arising out of accidental injuries.
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 3 years from the issuance of the first policy.
Maternity Benefits: Maternity benefits can be availed after 48 months of your enrollment with the company.
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	4.5 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness	-