Manipal Cigna
ProHealth Prime Protect
ManipalCigna ProHealth Prime Protect is the most affordable plan within Manipal Cigna’s stable. And its features are not half bad. Sure, there are restrictions on the kind of room you can pick and the limited bonus. But you can do away with these restrictions by buying specific add-ons. And when you do that, you’ll see that the plan is reasonably comprehensive. The only problem is - Manipal Cigna’s claim settlement ratio isn’t all that great.
What's good here?
Coverage for infertility treatments
Coverage for infertility treatments like IUI or IVF with a paid add-on (Enhance Plus) up to ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
Coverage for infertility treatments like IUI or IVF with a paid add-on (Enhance Plus) up to ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
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.
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.
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.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Special Bonus for being healthy
Your sum insured increases by 25% 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.
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.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Reasonable 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 you wait for 3 years.
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Add-ons
Consumables Cover
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Enhance Plus
With this add-on, you get added coverage for maternity expenses i.e. childbirth and newborn expenses. However the coverage is limited to 10% of the cover, max up to ₹1L. Along with this, the room category is upgraded to no limit. Plus, you get Health Maintenance Benefit worth 3k on top of it.
Freedom Package
With this Add-on, you get coverage for both in-patient and out-patient emergency hospitalizations outside India on reimburement basis only with room category upgraded to no limit. But remember, this add-on is available only for Indian Residents.
Infertility Treatment
With this add-on along with Enhance Plus add-on, you get coverage for infertility treatments like IUI or IVF upto ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
Cumulative Bonus Booster
With this add-on, you get gauranteed bonus of 50% upto 200% of the base sum insured instead of 25% upto 200% of the base cover.
Critical Illness
With this add-on you get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy document.
Personal Accident cover
With add-on, the insurance company will payout a lumpsum of 2x your sum insured, in case the insured person under the policy passes away in an accident or gets permanently disabled. The payout will be made subject to a cap of 50L in total
Assure
With this add-on, one can reduce the Single Private room category to 1% of the cover amount per day and ICU limit to 2% of the cover amount per day. It further imposes disease-wise sub-limits on various conditions and caps the modern & Advanced treatments upto 10% of the base cover. Do note that this add-on is only available till 5L base cover in Zone 2 & zone 3 areas only.
Frequently Asked Questions
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