Pro Health – Protect
8.3
Expert ScoreRead review
- Cover :₹ 2.5 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%
Available once every 3rd policy year for insured of age 18 years and above irrespective of claim status under the policy and will be arranged by at Cigna’s network- This plan provides a guaranteed 5% Increase in Sum Insured per policy year, maximum up to 200% of Sum Insured and 100% restoration benefits
₹7,281.00
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Category: Health Insurance
Pro Health – Protect
8.3
Expert ScoreRead review
Premium Amount
₹7,281.00
- Cover :₹ 2.5 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%
Available once every 3rd policy year for insured of age 18 years and above irrespective of claim status under the policy and will be arranged by at Cigna’s network- This plan provides a guaranteed 5% Increase in Sum Insured per policy year, maximum up to 200% of Sum Insured and 100% restoration benefits
Category: Health Insurance
100% Cover restoration
100% of Cover amount + Accrued Bonus
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Upto Rs 2000 per hospitalization event
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
Up to Rs 500
Organ donor expenses
Covered up to Cover Amount + Bonus Accrued
New-born treatment
NA
Domiciliary Hospitalisation
Available only if the treatment continues for 3 consecutive days., Covered upto sum insured. 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.
Recovery allowance
NA
Sum Insured
2 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
Available only if the treatment continues for 3 consecutive days., Covered upto sum insured. 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.
cons
Category: Health Insurance
USP of This Plan
- Cover :₹ 2.5 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%
Available once every 3rd policy year for insured of age 18 years and above irrespective of claim status under the policy and will be arranged by at Cigna’s network- This plan provides a guaranteed 5% Increase in Sum Insured per policy year, maximum up to 200% of Sum Insured and 100% restoration benefits
Our Take
8.3Expert Score
- Cover :₹ 2.5 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%
Available once every 3rd policy year for insured of age 18 years and above irrespective of claim status under the policy and will be arranged by at Cigna's network- This plan provides a guaranteed 5% Increase in Sum Insured per policy year, maximum up to 200% of Sum Insured and 100% restoration benefits
Best value score
8.3
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.
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8.3Expert Score
- Cover :₹ 2.5 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%
Available once every 3rd policy year for insured of age 18 years and above irrespective of claim status under the policy and will be arranged by at Cigna's network- This plan provides a guaranteed 5% Increase in Sum Insured per policy year, maximum up to 200% of Sum Insured and 100% restoration benefits
Best value score
8.3
Specification: Pro Health – Protect
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