ManipalCigna ProHealth Insurance plan offered by ManipalCigna Health Insurance Co. Limited is designed to cater to your health needs at every stage of life. The plan rewards you for staying healthy, covers you against illnesses, provides financial protection and helps you to bounce back to good health. There is no maximum age limit for policy enrolment and the sum insured ranges from Rs. 2.5 lakh to 50 lakh.
The scheme offers in-patient hospital expenses that includes medical expenses for hospitalisation of more than 24 hours for any room category.
This policy covers medical costs incurred due to any illness or injury suffered 60 days immediately before hospitalisation.
The plan covers medical costs incurred due to any illness or injury caused 90 days immediately after hospitalisation.
In case you are not hospitalised, then the medical expenses incurred during home treatment will be covered under this plan. While some individuals prefer to take their treatment at home, a few are advised to take treatment home by the doctors.
Medical expenses incurred for an organ donor’s treatment for the harvesting of the organ donated will be covered under the policy.
Medical treatment taken at home is also covered in case your condition isn’t suitable for hospital transfer or if there is no hospital bed available.
The plan also covers the charges incurred towards the ambulance that is used for transportation to the hospital for treatment.
Get coverage for in-patient medical expenses for emergency treatment outside the country. The full sum insured will be provided on reimbursement basis once in a policy year.
Get treatment under AYUSH cover i.e. Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy.
The plan covers expenses for the delivery/medically necessary termination of pregnancy (maximum up to 2 events) during the lifetime of an insured between 18 to 45 years after a waiting period of 48 months.
Get discount on premium when you choose to pay the first 10/20% of the claim and the balance would be covered by your plan (available with protect, plus and accumulate plans).
The policy covers unlimited times of restoration with 100% additional sum insured for an unrelated illness, injury.
Get an option to increase policy sum insured with 25% cumulative bonus every year irrespective of the claim. Maximum accumulation is up to 200% of sum insured. The benefit is available in place of cumulative bonus.
Get lump sum benefit up to your opted sum insured, in case of the first diagnosis of the covered critical illnesses.
|Manipal Cigna Pro-health Group Insurance Plan|
|Policy Type||Individual/ Family Floater|
|Entry Age||Minimum Entry Age Child: 90 days
Minimum Entry Age Adult: 18 years
Maximum Entry Age Adult: No Max Age Limit
|Tenure||One, two, and three years|
|Sum Insured||Rs. 2.5 lakh – Rs. 1 crore|
|Starting Premium||Rs. 4400|
|Number of members covered||6 members (2A+ 4C)|
|Zone 1||Delhi, NCR, Mumbai and Mumbai Suburban and Gujarat|
|Zone 2||Bangalore, Chennai, Kolkata, Hyderabad, Chandigarh, Ludhiana and Pune|
|Zone 2||Rest of India|
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:
BFL Helpline Number: – 08698010101
ManipalCigna Helpline Number: – 1800-102-4462
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).
Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, Tata AIG General Insurance Company Limited, Oriental Insurance Company Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.
Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under ManipalCigna ProHealth Insurance UIN: MCIHLIP21546V052021| ManipalCigna Critical Illness Add On Cover UIN: MCIHLIP21128V022021. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions, and exclusions please read the product sales brochure carefully before concluding a sale.
Tax benefits applicable if any will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.