Manipal Cigna Health Insurance – Pro Health – Protect

8.2
Expert ScoreRead review

ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.

  • Cover :₹ 5.5 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 

₹9,045.00

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Category:
Health insurance

Manipal Cigna Health Insurance – Pro Health – Protect

8.2
Expert ScoreRead review


Premium Amount

₹9,045.00

ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.

  • Cover :₹ 5.5 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 
Category:
100% Cover restoration
100% of Cover amount + Accrued Bonus
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Up to Rs 3,000 per even
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
In-patient hospitalization covered up to Sum Insured
Maternity
Waiting period 48 months, Normal delivery: Rs. 15,000; Caesarean delivery: Rs. 25,000 upto 2 events
Outpatient Expense
Covered up to Rs. 20000
Organ donor expenses
Covered up to Cover Amount + Bonus Accrued
New-born treatment
Covered within the eligible maternity limit
Domiciliary Hospitalisation
Available only if the treatment continues for 3 consecutive days.
Recovery allowance
NA
Sum Insured
5 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
In-patient hospitalization covered up to Sum Insured
Domiciliary Hospitalisation
Available only if the treatment continues for 3 consecutive days.

cons

Category:

USP of This Plan

ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.

  • Cover :₹ 5.5 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 

Our Take

8.2Expert Score
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
  • Cover :₹ 5.5 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 
Best value score
8.2

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 – Protect
₹9,045.00

Manipal Cigna Health Insurance – Pro Health – Protect

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
8.2Expert Score
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
  • Cover :₹ 5.5 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 
Best value score
8.2

Specification: Manipal Cigna Health Insurance – Pro Health – Protect

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 – Protect
Manipal Cigna Health Insurance – Pro Health – Protect

₹9,045.00

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