In today’s world of growing medical inflation, and the rising infectious diseases having a robust health insurance coverage has become a necessity for every individual and family to protect against the medical expenses of the future.
Manipal CIGNA ProHealth Group Insurance Policy is designed to provide comprehensive benefits and 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, we will take care of the room charges, ICU expenses, nursing charges, doctor fees, surgeon fees, blood, oxygen, operation theatre charges and other medical expenses.
Also, there will be additional protection with coverage towards Modern treatment methods & medical Expenses related to any admission (under In-patient Hospitalisation, Day Care Treatment or Domiciliary Hospitalisation) primarily for enteral feedings will be covered, up to 15 days in a Policy Year.
We will reimburse medical expenses incurred before the date of hospitalization.
We don’t just cover you when you are in the hospital but are also with you through the recovery process. Medical expenses incurred after you are discharged will also be covered.
We will pay for medical expenses if you undergo a treatment that needs less than 24 hours of hospitalization.
Provides for expenses towards hospital transfer by registered Ambulance services for treatment of illness or injury during an emergency, up to the Rs 2000 per Hospitalisation.
Covers prescribed home care expenses as the patient’s condition did not allow hospital transfer or hospital bed is not available provided treatment is required for at least 3 days.
Provides for 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.
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.
Pays for specific disease category, the amount as specified per 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 raised as a claim by the insurer.
Deductible amount will be applied on every claim made by an 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|
| ||With Co-pay||Without Co-pay|
|Policy Type||Individual/ Family Floater (Only for Customers of Bajaj Finance Ltd.)||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
|Minimum Entry Age: 18 years
Maximum Entry Age: 65 years
Dependent Child: 91 days - up to 25 years
|Tenure||One year||One year|
|Sum Insured||Rs. 5 lakh and Rs. 10 lakh||Rs. 5 lakh to Rs. 30 lakh|
|Renewal*||Lifetime renewability||Lifetime renewability|
|Starting Premium||Rs. 6,606||Rs. 7,134|
|Number of members covered||6 members (2 adults + 4 children)||6 members (2 adults + 4 children)|
To purchase the policy, follow these steps:
The following mandatory documents will be needed to purchase the policy:
Documents needed to process cashless claim:
Documents needed to process reimbursement claim:
Toll free number – 08698010101/1800-209-0144 /1800-209-5858
E-mail – email@example.com
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
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