ManipalCigna ProHealth Premier Plan

What is the Plan all About?

Pro Health Premier Plan is a unique plan which has been framed to take care of all your hospitalization related worries with multiple benefits. The Sum Insured opted can be 100 lacs. A comprehensive plan to suit your and your family needs against health odds.

Key Features

protection with world-wide coverage
Get Health Maintenance Benefit under this plan
renewal premium discount upto 10% via Healthy Rewards
Peace of mind with Protectiv Healing and ProActiv Living
Covers expenses for Maternity and New-born

Policy Benefits

In patient hospitalization expenses like doctor’s fees, OT charges, ICU charges and others 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 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 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.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.
This plan covers the ambulance charges up to the actual expenses incurred every time you get hospitalized.

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 at renewal 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.
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: 30 days from the policy start date for all hospitalization claims except for accidental claims.
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.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult - 18 Years, Child - 91 Days	No Limit
Sum Assured	100 Lacs	100 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-