ProHealth Prime Protect

8.9
Expert ScoreRead review
  • Cover :₹ 3.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
    • Modern Treatments: For SI < Rs 5 Lacs: 50% of SI For SI > = Rs 5 Lacs: Up to SI
    Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.

₹9,477.00

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Category:
Health insurance

ProHealth Prime Protect

8.9
Expert ScoreRead review


Premium Amount

₹9,477.00

  • Cover :₹ 3.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
    • Modern Treatments: For SI < Rs 5 Lacs: 50% of SI For SI > = Rs 5 Lacs: Up to SI
    Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.
Category:
100% Cover restoration
Unlimited Restoration upto 100% of Sum Insured for related / unrelated illnesses/injuries.
Free Health Check-up
-
Daily cash allowance
For Shared Accomodation: For SI up to Rs 10 Lacs: Rs 800 per day up to maximum of Rs 5,600. For SI > Rs 10 Lacs: Rs 1,000 per day up to maximum of Rs7,000
Ambulance charges
Annual Health Check-up irrespective of claims from 1st year onwards.
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Ayush benefit up to cover amount
Maternity
Covered as part of Enhance Plus add-on.
Outpatient Expense
NA
Organ donor expenses
Covered up to Cover Amount + Bonus Accrued
New-born treatment
NA
Domiciliary Hospitalisation
Covered upto sum insured. It applies in case of non availability of bed in hospitals., 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
3 lAKH
E- Consultation
NA

Pros

NA
Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
Ayush benefit up to cover amount
Domiciliary Hospitalisation
Covered upto sum insured. It applies in case of non availability of bed in hospitals., 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:

USP of This Plan

  • Cover :₹ 3.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
    • Modern Treatments: For SI < Rs 5 Lacs: 50% of SI For SI > = Rs 5 Lacs: Up to SI
    Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.

Our Take

8.9Expert Score
  • Cover :₹ 3.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
    • Modern Treatments: For SI < Rs 5 Lacs: 50% of SI For SI > = Rs 5 Lacs: Up to SI
    Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.
Best value score
8.9

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.
ProHealth Prime Protect
₹9,477.00

ProHealth Prime Protect

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
8.9Expert Score
  • Cover :₹ 3.0 Lakhs
  • Bonus / NCB :Guaranteed Cumulative Bonus of 25% each year up to maximum of 200% of Sum Insured.
  • Copay :0.0% 
  • Claims Settled :99.9%
    • Modern Treatments: For SI < Rs 5 Lacs: 50% of SI For SI > = Rs 5 Lacs: Up to SI
    Flagship health plan from Manipal Cigna, which is suitable for individual & families looking for a comprehensive health insurance which is customizable as per the changing needs.
Best value score
8.9

Specification: ProHealth Prime Protect

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

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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ProHealth Prime Protect
ProHealth Prime Protect

₹9,477.00

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