Manipal Cigna Health Insurance – Pro Health – Accumulate

ManipalCigna Pro Health Accumulate is a comprehensive health plan with wide coverage ranging from Rs 5 lakhs to Rs 50 lakhs. Unique inbuilt features include worldwide emergency cover, maternity cover, new born baby cover, restoration of Sum Assured, etc. The plan also covers expenses for outpatient consultations,pharmacy, diagnostic tests through its Health Maintenance Benefit. The plan also has various valued added benefits like cumulative bonus, expert second opinion in case of a critical illness, healthy rewards and free annual health check-ups.

  • Cover :₹ 30.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%

₹21,426.00

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Category:
Health insurance

Manipal Cigna Health Insurance – Pro Health – Accumulate


Premium Amount

₹21,426.00

ManipalCigna Pro Health Accumulate is a comprehensive health plan with wide coverage ranging from Rs 5 lakhs to Rs 50 lakhs. Unique inbuilt features include worldwide emergency cover, maternity cover, new born baby cover, restoration of Sum Assured, etc. The plan also covers expenses for outpatient consultations,pharmacy, diagnostic tests through its Health Maintenance Benefit. The plan also has various valued added benefits like cumulative bonus, expert second opinion in case of a critical illness, healthy rewards and free annual health check-ups.

  • Cover :₹ 30.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%
Category:
100% Cover restoration
It will not trigger on First claim, Worldwide Emergency Cover, Maternity, New Born Baby & First Year Vaccinations cover., Unlimited for unrelated illness/injury. And no need for entire Sum Insured to get exhausted for restore to trigger.
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Road ambulance : Covered upto 2,000 per hospitalization , Air ambulance : Cashless claim- Covered up to sum insured , Reimbursement claim- Covered up to 2.5 Lacs
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
Post hospitalisation
Expenses for 90 days covered
Ayush treatments
In-patient hospitalization covered up to Sum Insured
Maternity
NA
Outpatient Expense
Option of Rs 5000, Rs 10000, Rs 15000, Rs 20000
Organ donor expenses
Covered upto SI including harvesting. However, pre+post hospitalization cost, screening cost of the donor and acquisition cost of the organ is not covered.
New-born treatment
NA
Domiciliary Hospitalisation
Upto Sum Insured. Minimum hospitalization required is of 3 days. Pre & Post hospitalization will be restricted to 30 days
Recovery allowance
NA
Sum Insured
30 Lakh
E- Consultation
NA

Pros

NA
Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
In-patient hospitalization covered up to Sum Insured
Domiciliary Hospitalisation
Upto Sum Insured. Minimum hospitalization required is of 3 days. Pre & Post hospitalization will be restricted to 30 days

cons

Category:

USP of This Plan

ManipalCigna Pro Health Accumulate is a comprehensive health plan with wide coverage ranging from Rs 5 lakhs to Rs 50 lakhs. Unique inbuilt features include worldwide emergency cover, maternity cover, new born baby cover, restoration of Sum Assured, etc. The plan also covers expenses for outpatient consultations,pharmacy, diagnostic tests through its Health Maintenance Benefit. The plan also has various valued added benefits like cumulative bonus, expert second opinion in case of a critical illness, healthy rewards and free annual health check-ups.

  • Cover :₹ 30.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%

Our Take

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
Manipal Cigna Health Insurance – Pro Health – Accumulate
₹21,426.00

Manipal Cigna Health Insurance – Pro Health – Accumulate

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Specification: Manipal Cigna Health Insurance – Pro Health – Accumulate

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

,

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Manipal Cigna Health Insurance – Pro Health – Accumulate
Manipal Cigna Health Insurance – Pro Health – Accumulate

₹21,426.00

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