Manipal Cigna Prohealth Insurance Plan: Guaranteed Bonus Upto 200%

Why Choose Manipal Cigna Pro Health Plan

As a joint venture between the Manipal Group (formerly known as CignaTTK Health Insurance Company Limited) and Cigna Corporation (formerly known as CignaTTK Health Insurance Company Limited), Manipal Cigna is a global health services company with a presence in 30+ countries. It serves 160 million customers worldwide. Manipal Cigna Health Insurance focuses heavily on health and wellness, offering a wide range of health insurance coverage options to individuals, employer-employee groups, and non-employer-employee groups. These insurance solutions include health, personal accident, major illness, travel, and global care. As a joint venture between the Manipal Group (formerly known as CignaTTK Health Insurance Company Limited) and Cigna Corporation (formerly known as CignaTTK Health Insurance Company Limited), ManipalCigna is a global health services company with a presence in 30+ countries. It serves 160 million customers worldwide.

ManipalCigna Health Insurance focuses heavily on health and wellness, offering a wide range of health insurance coverage options to individuals, employer-employee groups, and non-employer-employee groups. These insurance solutions include health, personal accident, major illness, travel, and global care.

Features of Manipal Cigna ProHealth Plan

Provides coverage for international treatments - All international treatments will be covered by this policy, but only in case of an emergency. You may want to consider this plan if you frequently travel outside your country.
There is probably no need to split the bill - When you make a claim on this policy after you turn 65, you will have to pay 20% of the bill each time. Otherwise, you should be fine. Until the insured amount is reached, all costs will be covered by the insurer.
Unless it's a suite, any room will do - It's fine to share a room. Having a private room for one person is fine. Unless you're staying in a suite room, most rooms are okay. Splitting the bill will then be necessary.
No matter what disease you have, you're covered- It's business as usual here. The sum insured can be claimed irrespective of whether your insurer has explicitly stated they won't cover a particular illness. There are no disease-specific sub-limits in this policy.
Hospitalization expenses are covered before and after hospitalization - You don't have to worry if the doctor ran numerous diagnostic tests before or after you were hospitalized. You are covered by your insurer. For a fairly reasonable time period - 60 days before hospitalization and 180 days after discharge - they will cover this amount in full. By the way, this includes medication costs as well.
Benefits of restoration - If you are hospitalized for different complications, you can still claim the full coverage any number of times after claiming part of it once.
Treatments covered by Day Care - A minor procedure that requires less than 24 hours of hospitalization will also be covered by the insurer if it requires less than 24 hours to complete. You might think of dialysis, chemotherapy, or minor surgery.
Annual health checkups are free - The insurer will cover the costs of a full body checkup every year in order to ensure you're in good health.
You are covered even if you have to be hospitalized at home - A condition or a lack of beds in the hospital will not prevent the insurer from covering the costs. The policy is called a domiciliary policy in insurance jargon.

Inclusions Under Manipal Cigna ProHealth Plan

ManipalCigna ProHealth Insurance Policy is available in five variants: ProHealth Protect, ProHealth Plus, Accumulate Large Coverage, Preferred Coverage, and Premier Coverage.
With this comprehensive policy, you can choose between a sum insured of Rs 2.5 lakh and Rs 1 crore.
Over 6500 hospitals accept the policyholder's cashless payment.
Up to 200% of the insured amount is guaranteed as a cumulative bonus under this plan.
In accordance with the Income Tax Act, tax benefits are available.
Providing worldwide emergency coverage, reimbursement is available in case of need.

Exclusions Under Manipal Cigna ProHealth Plan

The act of self-inflicting injury or suicide.
Participation in adventure sports such as rock climbing, parasailing, and skydiving.
Sexual interaction causes HIV/AIDS to be transmitted.
Those injured in war, as a result of radioactivity, nuclear bombing, or as a result of terrorism.
An injury caused by a criminal act or a breach of the law.
Symptoms of alcoholism, drug addiction, narcotic withdrawal, sedative withdrawal, or poison consumption.

FAQ

Is there a waiting period for ProHealth?

Yes, of course. Waiting periods are imposed by ProHealth in four different ways:

? A 30-day waiting period applies to hospitalizations until the policy is activated unless it's an accident.

? In order to make a claim, you must wait two years for a list of specific illnesses.

? If you have a pre-existing disease when you purchase this policy, you will have to wait three years before being covered.

? Pregnancy and childbirth claims are not eligible until after a four-year waiting period.

Are there any restrictions on the rent of rooms at ProHealth?

Not at all. Unless you want to share expenses with the insurer, ProHealth lets you stay in any hospital room.

Are there any restoration benefits offered by ProHealth?

As long as you are hospitalised repeatedly for different complications within the policy year, ProHealth allows you to claim the full coverage each time.

Is AYUSH covered by ProHealth?

That's right. There is coverage for AYUSH treatments under ProHealth.

Are there any bonuses offered by ProHealth?

Definitely. No-claim bonuses are offered by ProHealth. Your sum insured grows by 10% every year if you do not make a claim up to a maximum of 200%.

What maternity benefits does ProHealth offer?

Certainly. A maternity benefit up to Rs.15,000 is available through ProHealth for normal deliveries and $25,000 for C-sections.

Are ProHealth's services available internationally?

It's true. Coverage is available internationally with ProHealth. In the event of emergency hospitalization, however, it can provide protection.

Is dental protection offered by ProHealth?

Unfortunately, no. Dental coverage is not offered by ProHealth.

Are outpatient consultations covered by ProHealth?

It's true. There is a limitation of Rs.2,000 per year on the number of outpatient consultations that ProHealth covers.

What is the formula for calculating ProHealth premiums?

As a result of taking into account your age, your location (zonal), your medical condition (any pre-existing diseases), and your lifestyle habits (drinking, smoking, etc.), your premium is calculated in accordance with these factors.

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