Manipal Cigna
ProHealth Preferred
Prohealth Preferred offers a whole host of benefits. It covers most bases. It doesn't include outrageous conditions. It even offers coverage for maternity. And it has low waiting period for pre-existing diseases. All in all, a solid pick, albeit very expensive.
What's good here?
Covers international treatments
This policy will cover you for all sorts of international treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
This policy will cover you for all sorts of international treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
You most likely don't have to split the bill
If you bought this policy, you have to pay 20% of the bill every time you make a claim after you turn 65. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹1,00,000 and make you wait 4 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
You can pick any room so long as it’s not a Suite
Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit. In this case, it’s ₹15,000 annually.
What's okay here?
Special Bonus for being healthy
Your sum insured increases by 10% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 200%. But hey, it's still a bonus.
Your sum insured increases by 10% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 200%. But hey, it's still a bonus.
Add-ons
ManipalCigna Health 360 Shield
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc. max upto 1L.
ManipalCigna Health 360 Advance
With this rider, you get extended coverage with no room restriction, unlimited restoration of sum insured even for same illness along with air ambulance coverage.
Hospital Cash
With this add-on, the insurer will hand out cash every day you stay at the hospital subject to certain limits. The cash is expected to replace your income during the course of your hospitalization
Waiver of Mandatory Co-payment
With this add-on, you get the mandatory co-payment waived off if your age is 65 years or above.
ManipalCigna Health 360 OPD cover
With this add on, you can get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.
Cumulative Bonus Booster
With this add-on, you get gauranteed bonus of 25% upto 200% of the base sum insured instead of 10% upto 200% of the base cover.
Maternity Waiting Period Reduction
With this add-on, the insurance company will reduce the maternity waiting period from 4 years to 2 years.
Frequently Asked Questions
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