ManipalCigna ProHealth Preferred Plan

What is the Plan all About?

Pro Health Insurance Preferred is an exceptional plan has been framed to take care of all your hospitalization related worries with robust benefits. The Sum Insured opted can range upto Rs. 50 lacs which offers a comprehensive health coverage. Avail worldwide emergency cover up to the sum insured under this plan.This plan is an ideal take away for you and your family to combat rising medical costs.

Key Benefits

Unmatched benefits with Smart Restoration
Maternity expenses covered upto the prescribed limit
Avail cumulative no claim bonus of 10% every claim free year
OPD cover with Health Maintenance Benefit
Excellence care with Protectiv Healing and ProActiv Living,
Avail discount on renewal premium upto 10% by using Healthy Rewards

Policy Benefits

In patient hospitalization expenses as mentioned in the policy are covered upto the sum insured.
Pre hospitalization expenses covered upto 60 days before you are hospitalized and Post hospitalization expenses 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 or treatment at home expenses are covered under this plan upto the sum insured.
The medical expenses for organ transplant, incurred for the in-patient hospitalization of the donor are also covered up to the sum insured.
This plan covers emergency medical assistance when you are abroad. Medical expenses abroad are covered on a reimbursement basis upto the sum insured.
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.15,000/- 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. 50,000 for normal delivery and Rs. 1,00,000 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 insureds above 18 years of age.
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 paid as lumpsum amount equal to sum insured if opted, as an add on to the policy.
Expert Second Opinion benefit on Critical Illness.
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 any Room Category (Except Suite) under this plan.
Mandatory 20% Co Payunder this plan,if theinsured is 65 years and above.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalization claims except in case of accidents
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 2 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	15 Lacs	50 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness	-