The Pro-health insurance plan by Manipal Cigna safeguards you and your family from unanticipated medical contingencies. This plan is designed to suit your health needs at all stages of life and ensure physical, emotional, and financial well-being. This plan is your best health partner as it makes you choose its smart healthcare features with a simple claim handling process.
The key features covered under Manipal Cigna Pro-health Insurance Plan are as follows:
The insurer can enjoy the cashless facility in times of medical emergencies under all the network hospitals of Manipal Cigna TTK Pro-Health.
Manipal Cigna Pro-health Insurance Plan offers inpatient hospital expenses which include:
• Room Rent/Boarding and Nursing Expenses
• ICU Rent/ Boarding and Nursing Expenses
• Fees of Medical Practitioner, Surgeon, Anesthetist, Nurses, and Specialist Doctor
• Operation theatre charges, Anesthesia, surgical appliances, diagnostic tests, medicines, blood, oxygen, and cost of prosthetic and other devices or equipment if implanted internally like pacemaker during a surgical process.
The plan gives the insurer the choice of utilizing 50% of Health Maintenance Benefit (HMB) towards premium payment from the first payment of renewal.
This plan gives worldwide coverage to the insurer in case of a medical emergency outside India.
The plan covers critical illness charges and also covers the expenses incurred if an expert opinion is taken for the critical illness. Please refer to the policy document o the list of critical illnesses covered.
The policy covers unlimited times of restoration with 100% additional Sum Insured for an unrelated illness, injury.
The plan covers 500+ day-care procedures that need hospitalization, but not for more than 24-hours. All the costs incurred such treatments are also covered under the Manipal Cigna Pro-health Insurance.
The plan covers the immediate OPD (Out Patient Department) coverage with Health Maintenance Benefit up to Rs. 20000.
The plan includes new-age Treatments such as HIV/AIDS, artificial life maintenance, and listed modern treatments covered.
This policy covers medical costs incurred due to an illness or injury 30 days immediately before hospitalization.
The plan pays for the medical costs incurred due to an illness or injury 60 days immediately after hospitalization.
If in case, you are not hospitalized, and all your treatments are done at home then all those expenses are also covered in this plan. Some individuals prefer their treatment to be done at home rather than in a hospital. On the other hand, some doctors also advise staying at home for the treatment.
Medical Expenses incurred for an organ donor’s treatment for the harvesting of the organ donated will be covered under the policy.
Get a 15 days free look period from the date of receipt of the policy document to review the terms and conditions of this policy and decide if they need to buy the policy or go for another plan.
For both individual and family floater plans, the insured can avail of the benefit of annual free health check-ups which are based on the age and the sum insured opted for.
Policyholders who believe in AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment can also benefit from buying the plan as it covers the in-patient treatment charges for the same.
The health insurance plan offers tax exemptions under Section 80D of the Income Tax Act 1961.
|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|
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. 4400 with maximum coverage of Rs. 1 crore.
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 numbers: 08698010101/1800-209-0144 /1800-209-5858
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).