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 |
| Discounts | |
| 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 |