ManipalCigna ProHealth Accumulate Plan
Product Overview
ManipalCigna ProHealth Insurance Plan is an inpatient hospitalization policy which provides coverage for expenses related to hospitalization such as room rent, doctor expenses, medical bills, day care treatments, etc.
Apart from age, lifestyle, sum insured, gender & medical condition, the geographical location also determines the premium.
Unique Features - ManipalCigna ProHealth Accumulate Plan
- Cumulative Bonus - There will be no reduction in incremental Sum Assured, accumulated by the way of NCB, in the event of a claim. Only product in the market.
- This Plan offers Healthy Rewards Program that encourages to stay healthy & Expert opinion on Critical illiness.
- Worldwide Emergency Cover when you are aborad and might face some emergency situations & Health Maintenance Benefit Cover of Rs. 15,000 each year to cover out-patient expenses.
- Restoration of the Sum Insured is available for unrelated illness once in a policy year.
- Pre & Post hospitalisation expenses are covered upto 60 & 90 days.
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OneInsure App Benefits
Critical Features - ManipalCigna ProHealth Accumulate Plan
- Room Rent:
Limits imposed towards Room & ICU Rent Expenses
Single Private Room.
*Please note associated expenses will be deducted if treatment is availed in higher room category. - Co-Pay:
Specific % of the Admissible Claim Amount to be borne by the Insured
- Compulsory 20% Co-Pay for Insured Aged 65 yrs or Above.
- Has the option of choosing a Voluntary Co-payment of 10% or 20% on the admissible claimable expenses
- No Claim Bonus:
Cumulative Bonus offered for every claim free renewal.
5% of the Basic Sum Insured upto a max. of 100% for each unclaimed year in the event the insured opts. (The cumulative bonus will not be reduced in event of any claim.) - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
4 years waiting period for pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- 91 days
- Maximum age of Entry:- No Limit
- Renewal Age:- Life Long Renewal
- Sum Insured:- 5.5 Lakhs, 7.5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs
- Policy Tenure:- 1 & 2 years
- Family Definition:-
Individual Plan - Self, Spouse, Children, Parent, Siblings, Parent-in-laws, Grandparents & Grandchildren
Family Floater - Self, Spouse, Dependant Children & Dependant Parents - Premium Calculated on Basis of:- Age, Lifestyle, Gender, Zone (i.e. Location & sum Insured Chosen)
Additional Discounts
- Family Discount - The insured will get 10% Family Discount for covering more than 2 family members under the same policy under the individual policy option.
- Long Term Policy Discount - The insured will get 7.5% discount for selecting a 2 year policy.
- Co-pay Discount - A discount of 7.5% for opting 10% Co-pay and a discount of 15% for opting a 20% Co-pay on the Policy
Exclusions
- Genetic Disorder
- Dental treatment, dentures or surgery
- Circumcision
- Birth control procedures, contraceptive supplies and services
- Routine medical check-up and diagnostic tests
- AIDS and all diseases/illnesses caused by or related to HIV
- All sexually transmitted diseases
- Mental illnesses
- Ailments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents.
- Any form of non-allopathic treatment
- Any robotic or remote surgery
- Any amount which falls under the deductible or co-pay
- Non-medical expenses listed as per IRDA
Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for a detailed list of exclusions.
Tax Benefits
The premium paid towards Health Insurance for Individual (Self, Spouse, Children & Parents) & Parents (Senior Citizens) qualifies for deduction under Section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below.
