With growing medical inflation and increasing diseases, having robust health insurance coverage has become a necessity for every individual and their family. ManipalCigna ProHealth Group Insurance Policy provides comprehensive benefits and enables access to quality health care in case of unfortunate events of hospitalisation for illness/injury safeguarding your financial well-being.
If you are admitted to a hospital for more than 24 hours of illness or injury, the policy will cover your room charges, ICU expenses, nursing charges, doctor fees, surgeon fees, blood, oxygen, operation theatre charges and other medical expenses.
Also, there will be additional coverage towards modern treatment methods and medical expenses related to any admission (under in-patient hospitalisation, day care treatment or domiciliary hospitalisation) primarily for enteral feedings. The coverage will be provided for up to 15 days in a policy year.
Medical expenses incurred before the date of hospitalisation will be reimbursed.
The policy also covers you after hospitalisation, during your recovery stage. Medical expenses incurred after you are discharged will be covered under the policy.
Medical expenses for treatments that need less than 24 hours of hospitalisation are covered under the policy.
The policy covers expenses towards hospital transportation by registered ambulance services for treatment of illness or injury during an emergency. The coverage is provided up to the Rs. 2,000 per hospitalisation.
The plan covers prescribed home care expenses for at least three days, as the patient’s condition did not allow hospital transfer or in case of unavailability of hospital bed for the required treatment.
The plan provides in-patient medical expenses towards the donor, if the insured is required to go for a major organ transplant.
Restoration of the base sum insured once in a policy year for unrelated/related illnesses in addition to the sum insured opted.
The plan covers in-patient medical expenses for an insured for non- allopathic treatments such as Ayurveda, Unani, Sidha, Homeopathy, Yoga and Naturopathy arising from accident or illness.
Covers for specific disease category as per the amount specified for each insured or family (as applicable). Multiple claims can be made within the disease category limit.
10% to be borne by the insured, remaining payable amount will be borne by the insurer.
Deductible amount will be applied on every claim made by the insured person.
Note*: - The condition under disease category sublimit will be applicable on restored sum insured also. - Voluntary co-pay for inpatient hospitalization or per claim deductible, whichever is lower shall be applicable.
The health insurance plan offers tax exemptions under Section 80D of the Income Tax Act 1961.
|ManipalCigna Pro-health Group Insurance Plan|
|Policy Type||Individual/ Family Floater (Only for Customers of Bajaj Finance Ltd.)|
|Entry Age||Minimum Entry Age: 18 years
Maximum Entry Age: 65 years
Dependent child: 91 days - up to 25 years
|Sum Insured||Rs. 15 lakh and Rs. 30 lakh|
|Starting Premium||Rs. 6,606|
|Number of members covered||6 members (2 adults + 4 children)|
Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries for you and your loved ones. The plans are available starting from Rs.6606, with maximum coverage of Rs. 30 lakh.
To purchase the policy, follow these steps:
The following mandatory documents will be needed to purchase the policy:
Documents needed to process cashless claim:With ManipalCigna Pro-health Group Insurance Plan, you can avail the benefit of cashless treatment from 3500+ network hospitals by following the below process:
Documents needed to process reimbursement claim:
Toll free number – 08698010101/1800-209-0144 /1800-209-5858
E-mail – firstname.lastname@example.org
Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.
*For claim related issues please refer your policy document or certificate of insurance (COI).
Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company Manipal Cigna Health Insurance UIN: MCIHLGP21172V032021. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as the age of insured, lifestyle habits, health, etc. (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance, and any claims post-sale. This product provides insurance coverage. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to mandatorily purchase any third-party products