Manipal Cigna ProHealth Premium plan Product Benefits

Manipal Cigna – ProHealth Premium plan – Product Benefits


Policy Name Manipal Cigna ProHealth Premium plan
1. Hospitalisation Expenses More than 24hrs of Hospitalisation Expenses
Room Rent Covered up to single private room
ICU as actuals
2. Pre Hospitalisation 60 days
3. Post Hospitalisation 180 days
4. Road Ambulance As actual
5. Air Ambulance Not Covered
6. Day Care Procedures 171 Day Care Procedures
7. Out Patient Expenses 1% of SI max Rs 15K per year
8. Organ Donor Expenses: Up to Sum Insured
9. Recovery benefit: Not Covered
10. Physiotherapy Expenses: Not Covered
11. Sum Insured Reinstatement Benefit: Not covered
12. Ayurvedic & Homeopathic treatment Hospitalisation Expenses Not Covered
13. Maternity Expenses Normal 50 k, Caesarean 1L(waiting period 4yrs, waiver upto 2 yrs available)
14. New Born Baby Cover upto sum insured under maternity cover
15. Preventive Health Check Up Every renewal of policy,
Only for age > 18yrs
Add on Covers
Ancillary Expenses Benefit NA
Personal Accident Benefit NA
Critical Illness Benefit As add on, 11 Critical Illnesses, 30 days survival period applicable
UW Guidelines
SI 100 Lakhs
Age group 91 days, 18yrs for Proposer
Dependent Children covered upto Not mentioned
Cumulative Bonus Not available
Waiting periods
Initial waiting Period 30 Days for Hospitalisation, 90 Days for Critical Illness
For Listed illness 24 months
Pre Existing Diseases 24 months
Family Discount 10%, for covering more than 2 members
Add on Cover Discount NA
Claim Free Renewal Discount NA
Other Discounts if any 7.5% for 2yrs policy, 7.5% for 10% co pay and 15% for 20% copay