Manipal Cigna ProHealth Select Plan: Customizable Plan

Why Choose Manipal Cigna ProHealth Select Plan

A comprehensive medical insurance plan offered by ManipalCigna is ProHealth Select. Expenses associated with health problems are covered by the policy. Suitable for families and individuals, this policy offers sums insured up to Rs. 25 lakh. With this additional cover, you'll be able to get a Cumulative Bonus Boost of up to 200% regardless of whether you make a claim. Additionally, if an accident causes Permanent Total Disability or Critical Illness, there is an additional benefit that automatically extends the policy for two years.

Additionally, ProHealth Select provides wellness programs, reward points, and AYUSH insurance up to the full sum assured. As a member of this plan, you are covered for pre- and post-hospitalization expenses, hospitalization costs, daycare expenses, donor expenses, as well as in-home treatment expenses.

Benefits of Manipal Cigna ProHealth Select Plan

In addition to the above basic benefits, the plan has a number of unique features that have made it attractive to a wide range of customers. Below is a list of mentions.

There is only one opportunity for the restoration of the sum insured per policy year. In addition to the Sum Insured, the ailments or illnesses must be unrelated.
In addition, you can earn cumulative bonuses up to a maximum of 100% on a non-reducing basis each year at a rate of 5%.
Rewards for Healthy Living - There are multiple ways to earn rewards for healthy living. 1% of your annual premium can be redeemed for reward points.
The company offers a wide variety of wellness programs that can be completed to earn additional points. There will be a value of 1 rupee per reward point earned. The insurer's network providers can also be redeemed for discounts on premiums or services.
An optional cover is deductible. In all combinations provided, you can choose from Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, or Rs. 5 lakhs as deductible. In any case, you must be careful not to exceed the Sum Insured opted for in the deductible.
It is also possible to add a Cumulative Bonus Booster as an optional cover. Out of the four options below, you can choose only one.
1. On a non-reducing basis, the Sum Insured can be increased by 10%, up to 100%.
2. On a non-reducing basis, a 25% increase in Sum Insured is possible.
3. Sum insured increased by 50%, maxi 100%. Upon a claim, this will be reduced by 50%, but the Sum Insured will never be lowered.
In case of a claim under the policy, the Sum Insured may be increased by 10% up to 200%.
Optional cover for removing room rent limits up to the limit of a single private room is available.
An automatic extension of the policy for two years will be done on behalf of the health insurance company if the insured person gets diagnosed with Critical Illness or Permanent Total Disability following an accident.

Inclusions of Manipal Cigna ProHealth Select Plan

Insurance coverage provided by ManipalCigna ProHealth Select:

There is an option for inpatient hospitalization that includes a hospital room for up to Rs 3000 or an intensive care unit for up to Rs 7000 as part of the policy.
The plan covers expenses incurred prior to and after hospitalization (60 days) and recovery (90 days).
A total of 171 procedures are covered under the ProHealth Select health plan for daycare services.
In addition to the full sum insured, the costs of domiciliary treatment are covered.
An ambulance cover of Rs 2,000 per event is offered with the ManipalCigna ProHealth Select policy.
The Sum Insured covers donor expenses up to that amount.
Insurers cover AYUSH treatment expenses up to the Sum Insured, including Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy.

Exclusions of Manipal Cigna ProHealth Select Plan

Treatment for dental problems.
Getting circumcised.
Evaluation & Investigation.
Except for ectopic pregnancy, any treatment can be traced to pregnancy.
Diagnostic tests and routine medical checks.
Sports that are hazardous or adventurous.
Addiction-related illnesses.
Except for burns and accidents, cosmetic surgery does not include reconstructive surgery.
AYUSH inpatient treatment is the only alternative type of treatment.
A violation of the law.
Amounts that fall under the deductible or copay.
The following expenses are listed according to the IRDA

FAQ

In ProHealth Select, can the Sum insured be increased/decreased or the plan changed?

A change to the policy, such as an increase or decrease in Sum Insured, is only permitted at renewal. It is important to note, however, that any such change request will be subject to underwriting decisions and medical tests based on the circumstances of each case.

How do you define entry age?

An insured's entry age is the age at which he or she becomes eligible to take out a policy. Inception date is the date at which the participant reaches the age of completion

ProHealth Select offers what types of coverage for in-patient hospitalization?

Under the ManipalCigna ProHealth Select Policy, the following medical expenses are covered:

A maximum of Rs.1000 per night for accommodation charges in a hospital room. A daily rate of Rs.3000/-
A maximum of three nights' stay in the Intensive Care Unit will be charged. The daily rate is Rs. 7000/-
Charges for operation theatres,
Fees charged by medical practitioners,
A physician who specializes in anesthesia,
Nurses with appropriate qualifications,
Specialized professionals,
Diagnostic test costs,
In addition to medicines,
A Medical Practitioner recommends surgical appliances, drugs, consumables, blood, oxygen, and prosthetic devices for use intraoperatively.

Does ManipalCigna ProHealth select have sub-limits?

In terms of room rent and other expenses, sub-limits are applicable:

Charges for hospital rooms are covered up to 2% of the Sum Insured, with a maximum amount of Rs.3000,
Charges for ICU up to 4% of the Sum Insured, capped at Rs.7000.

Cumulative Bonus Booster - what does it mean?

This feature allows you to increase your Sum Insured by a fixed percentage as stated below. In the base policy, Cumulative Bonus Booster will take the place of the Cumulative Bonus.
In option A, the Sum Insured is increased by 10%, up to 100%. A claim under the policy will not reduce this amount.
The Sum Insured may be increased by 25% and may be increased by 100%, in Option B. A claim under the policy will not reduce this amount. or
As option C, you can increase the sum insured by 50%, with a maximum increase of 100%. A claim under the policy will reduce this by 50%, but the Sum Insured will not be reduced. or
In option D, the Sum Insured can be increased by 10%, up to 200%, regardless of whether a claim has been filed.

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