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Manipal Cigna

Manipal Cigna

ProHealth Select

ProHealth Select is an economical option. However you do have to make sure you pick a room whose rent doesn't exceed ₹3,000. Because if you don't, you might end up footing a good part of the bill even with insurance. So do read more below.

What's good here?

coPay

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.

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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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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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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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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 bad here?

special mention
warning
Be aware of

Restrictions on the rooms you can pick and much more

Your insurer won’t let you stay in a room whose rent exceeds ₹3,000. But in the event, you breach this limit, get ready to pay a lot more. - Read more here

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What's okay here?

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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restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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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 100%. 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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What's lacking here?

healthCheckup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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Add-ons

Re-Assurance

With this paid add-on, the insurance company extends the policy tenure for 2 years on diagnosis of a Critical Illness or Permanent Total Disability due to accident.

Cumulative Bonus Booster

With this paid add-on, you can replace the base gauranteed bonus from 5% to either 10%, 25% or 50% for every renewal upto 100% or 200% of the base sum insured based on the option chosen.

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.

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.

Room Rent Modifier

With this add-on, the insurance company modifies the room rent restriction from maximum upto ₹3000/day to a Single Private room.

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.

Frequently Asked Questions

Yes. ProHealth Select 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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