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Manipal Cigna

Manipal Cigna

ProHealth Protect

ProHealth Protect is a good policy. It covers most bases. It doesn't have outrageous conditions. It pays for emergency treatments when you're abroad. However, a few caveats to note is that the policy has a subpar no-claim bonus of 25% per annum (up to 200%), and the insurer mandates a 20% copayment if you're over 60.

What's good here?

special mention
🎉Special Mention

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.

coPay

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.

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prePost

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 90 days after discharge. This includes the cost of medication by the way.

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dayCare

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.

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ayush

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.

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diseaseSublimit

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.

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restoration

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.

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domiciliary

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.

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What's okay here?

roomRent

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.

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ped

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.

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healthCheckup

No free Health Checkups unless you wait 3 years

If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 3 years. However, just so you know, most insurance policies offer free yearly health checkups.

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ncb

Underwhelming bonus feature

Your sum insured increases by 5% 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%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.

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opd

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 ₹500 annually.

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Add-ons

Cumulative Bonus Booster

With this add-on, you get gauranteed bonus of 25% upto 200% of the base sum insured instead of 5% upto 200% of the base cover.

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.

Room Rent Modifier

With this add-on, the insurance company modifies the room rent restriction from Single Private or any room to Twin Shared room.

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.

Co-payment

This benefit helps to opt for co-payment between 10% to 20%.

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.

Supreme Bonus

With this add-on, every time you renew your policy, the insurance provider will grant you additional bonus cover totalling 100% of your sum insured. And they will continue doing this until the total cover adds up to 800% of the base sum insured.

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.

Aggregate Deductible

If you ever have to make a claim, then you’ll be expected to pay a sum before insurance company settles the claim. This amount is called the deductible. So if you want to buy a policy at a better price, you can opt to pay a higher deductible i.e. you can pay lower premiums by offering to pay a sum (a deductible) when a claim comes up.

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.

Frequently Asked Questions

Yes. ProHealth Protect imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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