ManipalCigna ProHealth Plus Insurance Plan

Health risks are uncertain and are expensive in nature. To face the unexpected medical costs; it is important to buy health insurance in India. ManipalCigna helps us in getting financial back up in case of any unprecedented health issues by offering its various health insurance plans in the market. Amongst all the Pro-health plus Insurance plan is an eminent one with various features and services.

About ManipalCigna Company

Cigna Corporation is a pioneer health insurance company of US which has entered into a partnership with the TTK group with the motive of bringing various health insurance products to the Indian market. Thus, Cigna TTK was established. The company was founded in the year 2014 and is a stand-alone health insurance company with its headquarters at Mumbai and spread across 15 countries of the nation. In 2019, Manipal group purchased the stake of TTK to convert CignaTTK into ManipalCigna.

The major goal of the ManipalCigna Health Insurance Company is to provide medical coverage to individuals and the families; helping them to improve their health and lowering the medical expenses thus, providing a sense of security. The ManipalCigna Health Insurance Company has got several health insurance plans and programs. It assists the clients with medical and life style factors associated with several chronic health disorders. The company has extensively designed its services in such a way so as to provide its customers with a hassle-free experience.

ManipalCigna has introduced a group health insurance product which is unique in providing global coverage to Indian employees travelling across the globe. This group health product is a first of its kind in providing health insurance services.

ManipalCigna Health Insurance Company has won the “Economic Times Best Promising Brands 2015” and is a partner of the Airtel Delhi Health Marathon and Standard Chartered Mumbai Marathon.

The ManipalCigna Pro Health plus Insurance Plan is a comprehensive health insurance plan for providing health coverage for the entire family. This plan comes with flexible terms and conditions, attractive features and affordable premium as well. The Pro Health plus plan helps in meeting up the expenses involved in hospitalization, treatment, diagnosis, medicines, room charges etc.

Usually, the health coverage under this plan lies within the range of Rs.4.5 lakhs to Rs. 50 lakhs. The Pro health plus plan also has extensive features like maternity benefits, bonus and coverage throughout the world at the time of emergency.

• There is no age bar on the age of purchasing the plan. Buying the ManipalCigna Pro Health plus Insurance plan is allowed for individuals of all age groups.

• There are certain add-ons available with the Pro Health Plus plan.

  • There will be reduction in waiting period of Maternity expenses from 48 months to 24 months from the date of inception of the policy.

  • Mandatory co-pay applicable on persons aged 65 years and above can be removed by paying additional premium.

  • A cumulative bonus booster feature is available which states that if no claim was filed in the expiring policy, then at the time of renewal 25% can be added to the total sum insured. This would lead to a maximum accumulation of 100%.

• There are 9 options for the sum insured i.e. Rs.4.5 lakhs, Rs. 5.5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs and Rs. 50 lakhs.

• All the pre-existing diseases are covered after 36 months of policy coverage.

• A waiting period of 30 days is there for all illnesses from the date of start of the policy except for cases dealing with accidental hospitalization.

• After each renewal of the policy for individuals of age 18 and above; there is a free health check-up.

• The available voluntary deductible options of 10% or 20%

• for each and every claim as opted. Depending on the option that is chosen, the premiums are reduced.

• A free look period of 15 days is available for the policy holders to check over the terms and conditions of the policy.

• A grace period of 30 days is available for renewal of the policy from the expiry date.

• As per Section 80D of the Income Tax Act, 1961 the premium amount paid is eligible for tax exemption.

ManipalCigna Pro Health Protection plan

Individual Coverage:

• Complete health coverage is provided in the range of Rs. 2.5 lakhs and Rs. 50 lakhs for children above 3 months and for adults above the age of 18 years.

• This plan offers coverage for the day care procedures, post-hospitalization expenses, no-claim bonus, restore benefits etc.

• Certain features like Co-pay (10%, 20%), critical illness cover, deductible (Rs. 1 lakh, Rs.2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs) etc.

Coverage For Family:

• This is a floater plan for family which covers health expenses of the entire family within the range of Rs. 4.5 lakhs and Rs. 50 lakhs.

• Total members from the family who can be covered are:-

  • Maximum of 2 adults above the age of 18 years and

  • 2 children whose age lies within the range of 3 months to 18 years.

  • Certain features like Co-pay (10%, 20%), critical illness cover, deductible (Rs. 1 lakh, Rs.2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs) etc.

• This plan offers coverage for day care procedures, post-hospitalization expenses, no-claim bonus, restore benefits etc.

• Certain features like Co-pay (10%, 20%), critical illness cover, deductible (Rs. 1 lakh, Rs.2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs) etc.

ManipalCigna Pro Health Preferred Insurance Plan

Coverage For Individuals:

• There is complete health coverage for children above 3 months and for adults above 18 years.

• The range of the above mentioned health coverage lies between Rs. 15 lakhs and Rs. 50 lakhs.

• Features included in this plan are pre and post hospitalization expenses, health check- ups, no claim bonus, coverage for day-care procedures and benefit restoration.

• The ManipalCigna Pro Health Preferred plan has higher maternity coverage and health maintenance benefit coverage.

• The coverage like critical illness coverage and reduction in maternity waiting period tend to be optional.

Coverage For Family:

• Health costs for the entire family is covered under this plan and the range lies between Rs. 15 lakhs and Rs. 50 lakhs.

• Coverage can be provided for maximum 2 adults above the age of 18 years and 2 children between 3 months and 18 years of age

• Features provided in this plan are pre and post hospitalization expenses, day- care procedures coverage, health check-ups, no claim bonus etc. are included in this plan.

• The Health Preferred plan provides higher maternity and higher health maintenance benefits as compared to the Health Protection plan.

• Optional coverage here is the critical illness cover and reduction in maternity waiting period.

ManipalCigna Pro health Premier Insurance Plan

Individual Coverage:

• Coverage of Rs. 1 crore for children above 3 months and for adults above 18 years is the main feature in this plan.

• Other benefits included in the plan are pre and post hospitalization expenses, day-care procedure coverage and health check-ups.

• The Health Premier plan has higher maternity coverage and health maintenance benefit coverage as compared to the Pro Health Preferred plan.

Family Coverage:

• A basic family Insurance plan which provides coverage to the health expenses of the entire family up to a range of Rs. 1 crore.

• Health coverage is provided for maximum 2 adults above the age of 18 years and 2 children between 3 months and 18 years of age.

• The Premier plan has higher maternity and health maintenance benefits as compared to the Pro Health Preferred plan.

• Optional coverage includes reduction in the waiting period for maternity.

The below mentioned table gives us an idea about the waiting period associated with the ManipalCigna Pro Health plus Insurance Plan.

Tax Benefits ManipalCigna Pro Health Plus Insurance Plan

• The premium amount that is paid towards the ManipalCigna Pro Health plus Insurance Plan is eligible for tax deduction under the Section 80D of the Income Tax Act, 1961.
• This includes Individual coverage i.e. self, spouse and children and family coverage i.e. parents (senior citizens).

The features that are covered under the ManipalCigna Pro Health plus Insurance Plan are:

• Maternity expenses

• New born expense coverage

• First year vaccination expenses

• Organ donor expenses

• Ambulance coverage

• Health Maintenance Benefit

• World Emergency coverage

• In-patient hospitalization, Pre-hospitalization and Post hospitalization

• Annual Health check up

• Domiciliary hospitalization

• Day care treatments

• Restoration of total sum insured

The Exclusions Of The ManipalCigna Pro Health Plus Insurance Plan Are:

• Critical illness suffered during the first 90 days of the commencement of plan is not covered.

• Illness suffered during first 30 days of commencement is not covered under this plan.

• Illness or any accidents caused due to genetic disorder, alcohol or drugs intake, participation in any adventure sports or hazardous activities, criminal activities, attempt to suicide, war etc. are not be covered under the ManipalCigna Pro Health Plus Insurance Plan.

• Non-allopathic treatments, treatments due to AIDS/HIV or any sexually transmitted disease, cosmetic surgeries, weight loss treatments etc. are not be covered by the Pro Health plus Insurance plan.

• Pre-existing illness and maternity expenses are not covered for the first 4 years of the policy.

• There are specific illnesses which are not covered in the first 2 years of the policy.

There Are Two methods For Making A Claim For Your ManipalCigna Pro Health Plus Plan:

Cashless Service

• In this case, the treatment must be done only at a Network hospital of your Insurance Company.

• You need to complete the pre-authorization form available at the Hospital’s Insurance desk.

• You have to send the completed form by email or by fax to the Insurance Company.

• You will receive an approved letter from the Claim Management team of the Insurance Company. There can be an inquiry by the Claim Management team of the company regarding your claims.

• In case of rejection of the authorization, you can file for a reimbursement claim by starting your treatment.

Reimbursement Claim

• As per the conditions of the policy, you need to fill in the necessary form and submit it along with all required documents.

• The necessary documents are prescriptions, bills, discharge summary etc.

• The Claim management team will send you the approved letter and can also have certain queries to which you will be answerable.

• In case of rejection of the claim, the reasons will be intimated to you

• In case of emergencies, the ManipalCigna Company should be informed about it within 24 hours of admission.

• In case of planned emergencies, the company must be informed 48 hours prior to hospitalization.

• Duly filled in claim form available on the company website.

• Valid Identity proof with photograph.

• Hospitalization letter given by medical authorities.

• Test reports, Receipts of medications and consultations.

• Original bills, receipts and discharge summary.

• Pharmacy bills – Original

Documents Required For Buy ManipalCigna Pro Health Plus Insurance Plan

• Proposal form duly filled in and signed.

• Your passport sized photograph

• A copy of your PAN card

• A copy of your Aadhar card

• Age Proof

Some of the commonly accepted valid age proof/identity proof/address proof documents are:

Hence, with increasing health risks; it makes sense for each one of us to insure our health by purchasing ideal health insurance policies like the ManipalCigna Pro Health plus Insurance Plan. Due to its salient features and lucrative benefits; it provides security in case of any unexpected illness or health emergencies.

• “ManipalCigna services are very good and with the plethora of plans which they offer; the chance of not finding what you are looking for is meager. They seem to cover a lot of critical illnesses and come in very handy for chronic diseases.”- Vimal Gupta, reviewer.

• “My experience with them regarding claim settlement has been very good. They give excellent customer service as well.”- Raghu Rao, reviewer.

• “Very fast service related to claim settlement. I had a good overall experience and would suggest ManipalCigna Health Insurance to my friends as well.”- Anu Roy, reviewer.

• “Low premium and high benefits. Excellent customer service.”-Rupal Shah, reviewer.

• “Good customer service, easy claim settlement, low premium. You are really safe if you have ManipalCigna Health Insurance.”-Komal Verma, reviewer.