Pro Health – Plus

8.4
Expert ScoreRead review

Manipal Cigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options.

  • Cover :₹ 4.5 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 
  • Claims Settled :99.9%

₹9,389.00

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Category:
Health insurance

Pro Health – Plus

8.4
Expert ScoreRead review


Premium Amount

₹9,389.00

Manipal Cigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options.

  • Cover :₹ 4.5 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 
  • Claims Settled :99.9%
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
First year vaccination for the baby as per National Immunization Program will also be paid apart from the Maternity Expenses., Waiting period 48 months, Normal delivery: Rs. 15,000; Caesarean delivery: Rs. 25,000 upto 2 events.
Outpatient Expense
Available only if the treatment continues for 3 consecutive days., It applies in case of non availability of bed in hospitals. Covers the cost of treatment along with 30 days of pre and post hospitalisation expenses.
Organ donor expenses
Covered up to Cover Amount + Bonus Accrued
New-born treatment
Covered within the eligible maternity limit
Domiciliary Hospitalisation
-
Recovery allowance
NA
Sum Insured
4 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
-

cons

Category:

USP of This Plan

Manipal Cigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options.

  • Cover :₹ 4.5 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 
  • Claims Settled :99.9%

Our Take

8.4Expert Score
Manipal Cigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options.
  • Cover :₹ 4.5 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 
  • Claims Settled :99.9%
Best value score
8.4

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.
Pro Health – Plus
₹9,389.00

Pro Health – Plus

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
8.4Expert Score
Manipal Cigna Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options.
  • Cover :₹ 4.5 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 
  • Claims Settled :99.9%
Best value score
8.4

Specification: Pro Health – Plus

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

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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Pro Health – Plus
Pro Health – Plus

₹9,389.00

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