ManipalCigna ProHealth Protect Plan

What is the Plan all About?

This plan helps you to shield your health with monetary support for expenses pertaining to hospitalization. This plan has been designed to offer a comprehensive health coverage for treating the ailments during hospitalization covered under the plan.

Key Features

Get upto 30% of premium through various discounts
Wider coverage, including OPD benefits
100% Restoration of Sum Insured
Additional non-reducing Cumulative Bonus
Reduction of renewal premium upto 10% with Healthy Rewards
Total protection through Protective Healing and ProActive Living

Policy Benefits

In patient 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 covered upto 90 days after you are discharged.
Day care procedures which need 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.
The medical expenses of the organ donor are also covered under this plan.
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 of Rs.500/- annually to combat expenses such as doctor’s fees, pharmacy expenses ,diagnostic tests, non allopathic treatments like (AYUSH), etc.

Value Added Benefits

The plan will offer thecoverage for ambulance expenses up to Rs 2000 in case of hospitalization.
Health check-up for all major insured persons once every 3 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.
This plan provides an option to select a deductible of Rs 1 Lacs, Rs. 2 Lacs and Rs. 3 lacs.
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 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 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 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	2.5 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	-