Manipal Cigna ProHealth Protect plan Product Benefits

Manipal Cigna – ProHealth Protect plan – Product Benefits

Policy Name Manipal Cigna ProHealth Protect plan
1. Hospitalisation Expenses More than 24hrs of Hospitalisation Expenses
Room Rent Covered up to shared room
ICU as actuals
2. Pre Hospitalisation 60 days
3. Post Hospitalisation 90 days
4. Road Ambulance Upto 2000/- per hospitalisation
5. Air Ambulance Not Covered
6. Day Care Procedures 171 Day Care Procedures
7. Out Patient Expenses upto Rs 500 each year
8. Organ Donor Expenses: Up to Sum Insured
9. Recovery benefit: Not Covered
10. Physiotherapy Expenses: Not Covered
11. Sum Insured Reinstatement Benefit: Upto 100% SI each year
12. Ayurvedic & Homeopathic treatment Hospitalisation Expenses Not Covered
13. Maternity Expenses No
14. New Born Baby Cover Not covered
15. Preventive Health Check Up Every 3rd year 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 Rs. 2.5 lakhs, Rs. 3.5 lakhs and Rs. 4.5 lakhs
Age group 91 days, 18yrs for Proposer
Dependent Children covered upto Not mentioned
Cumulative Bonus 5% each claim free yr, max 50%
Waiting periods
Initial waiting Period 30 Days for Hospitalisation, 90 Days for Critical Illness
For Listed illness 24 months
Pre Existing Diseases 48 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