Manipal Cigna Health Insurance – Pro Health – Preferred

8.1
Expert ScoreRead review

ManipalCigna Pro Health Preferred is a comprehensive health plan with wide coverage ranging from Rs 15 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 :₹ 50.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%

₹37,581.00

Added to wishlistRemoved from wishlist 0
Add to compare
Category:
Health insurance

Manipal Cigna Health Insurance – Pro Health – Preferred

8.1
Expert ScoreRead review


Premium Amount

₹37,581.00

ManipalCigna Pro Health Preferred is a comprehensive health plan with wide coverage ranging from Rs 15 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 :₹ 50.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 10% 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
Unlimited cover restoration also known as Reassure+ benefit. Reassure+ benefit triggers after 1st claim is made and covers gets restored each time you make a claim
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Up to Rs. 5000000
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Covered up to Sum Insured
Maternity
First year vaccination for the baby as per National Immunization Program will also be paid apart from the Maternity Expenses.,, Rs. 50,000 normal / 1,00,000 c-section subject to maximum 2 deliveries or termination.
Outpatient Expense
Up to Rs 15000
Organ donor expenses
Coverage limit is upto the Basic Sum Insured. This additional SI can be utilised by the donor but not by the insured
New-born treatment
Until the baby is 90 days old, we will cover medical expenses incurred towards the treatment of the child within maternity expenses limit.
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
50 Lakh
E- Consultation
NA

Pros

NA
Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
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 Preferred is a comprehensive health plan with wide coverage ranging from Rs 15 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 :₹ 50.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%

Our Take

8.1Expert Score
ManipalCigna Pro Health Preferred is a comprehensive health plan with wide coverage ranging from Rs 15 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 :₹ 50.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%
Best values score
8.1

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 – Preferred
₹37,581.00

Manipal Cigna Health Insurance – Pro Health – Preferred

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
8.1Expert Score
ManipalCigna Pro Health Preferred is a comprehensive health plan with wide coverage ranging from Rs 15 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 :₹ 50.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 10% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
  • Copay :No copayment 
  • Claims Settled :99.9%
Best values score
8.1

Specification: Manipal Cigna Health Insurance – Pro Health – Preferred

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

User Reviews

0.0 out of 5
★★★★★
0
★★★★★
0
★★★★★
0
★★★★★
0
★★★★★
0
Write a review

There are no reviews yet.

Only logged in customers who have purchased this product may leave a review.

Manipal Cigna Health Insurance – Pro Health – Preferred
Manipal Cigna Health Insurance – Pro Health – Preferred

₹37,581.00

2023 Matyaj creatives india pvt Ltd. All rights reserved.
BestValuesGuide
Logo
Compare items
  • Total (0)
Compare
0