Manipal Cigna
ProHealth Prime Protect
The ManipalCigna ProHealth Prime Protect plan is designed to offer comprehensive health coverage with customizable options. Its key features include the option to modify room rent, a women's care package, a surplus benefit and other flexible add-ons.
What's good here?
Coverage for infertility treatments
Coverage for infertility treatments like IUI or IVF with a paid add-on (Enhance Plus) up to ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
Coverage for infertility treatments like IUI or IVF with a paid add-on (Enhance Plus) up to ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
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.
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 180 days after discharge. This includes the cost of medication by the way.
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.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
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.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Special Bonus for being healthy
Your sum insured increases by 25% 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 200%. But hey, it's still a bonus.
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.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Consumables aren't covered in this policy
Consumables aren't covered in this policy.
What's lacking here?
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Doctor consultations are not covered
Doctor consultations are not covered.
Add-ons
Enhance Plus
With this add-on, you get added coverage for maternity expenses i.e. childbirth and newborn expenses. However the coverage is limited to 10% of the cover, max up to ₹1L. Along with this, the room category is upgraded to no limit. Plus, you get Health Maintenance Benefit worth 3k on top of it.
Assure
With this add-on, one can reduce the Single Private room category to 1% of the cover amount per day and ICU limit to 2% of the cover amount per day. It further imposes disease-wise sub-limits on various conditions and caps the modern & Advanced treatments upto 10% of the base cover. Do note that this add-on is only available till 5L base cover in Zone 2 & zone 3 areas only.
Infertility Treatment
With this add-on along with Enhance Plus add-on, you get coverage for infertility treatments like IUI or IVF upto ₹2.5L over & above the maternity limit for cover amount of 7.5L and above.
Frequently Asked Questions
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