Health Insurance 1966 views May 22, 2020

ManipalCigna ProHealth Accumulate Large Cover

Sometimes, the financial position of an individual gets affected due to health issues. Everyone knows that nowadays health maintenance is too expensive and critical illness can lead to scarcity of savings. Therefore it is better to take a health insurance plan so that you can save yourself from the financial attack that might happen in the future due to the health problems. ManipalCigna ProHealth Accumulate Large Cover is one such plan that gives you the option for a minimum Sum Assured of Rs.5.5 Lacs and a maximum up to Rs.50 Lacs. There are 8 options for deciding the amount of the Sum Assured and it is decided at the time of the inception of the policy.

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Key Benefits of ProHealth Accumulate Insurance Plan of ManipalCigna

After knowing the amount of the Sum Assured, you must be eager to know all other features of this insurance plan. So, let’s start exploring the types of benefits of the Accumulate Plan.

Amount of Sum Assured

In this plan, the amount of the Sum Assured starts from Rs.5.5 Lacs to Rs.50 Lacs. But there are certain fixed amounts of the sum assured among which you will have to decide the Sum Assured. The options available for the Sum Assured are Rs.5.5 Lacs, Rs.7.5 Lacs, Rs.10 Lacs, Rs.15 Lacs, Rs.20 Lacs, Rs.25 Lacs, Rs.30 Lacs, and Rs.50 Lacs. The Premium of the policy is directly proportional to the amount of the Sum Assured. Your premium of the policy will increase if you chose a higher amount of the Sum Assured.

Hospitalization Cover

The company gives an Inpatient Hospitalisation benefit and they are divided into two parts depending upon the amount of Sum Assured you have chosen.

  1. Cover of up to only Single Private Room if you have chosen the Sum Assured of up to Rs.5.5 Lacs.
  2. Cover of any Room Category except rooms in higher category or suites you have chosen the amount of Sum Assured Rs.7.5 Lacs and above.

Pre-Hospitalization Cover

The company will cover all the medical expenses done prior to 60 days of hospitalization and this benefit is known as a pre-hospitalisation benefit.

Post-Hospitalisation Cover

The company will cover all the medical expenses done within 90 days once you are discharged from the hospital and it is known as Post-Hospitalisation benefit.

Day Care Treatment

If you are taking the Day Care Treatment then the company will cover up to the limit of the Sum Assured that you have chosen in the ProHealth Accumulate Insurance Plan.

Cover for the Treatment at Home

The company also gives an insurance cover on the expenses done for the treatment at home. The Maximum Amount covered is up to the limit of Sum Assured Opted.

Ambulance Cover

Individuals not having a car always call the Ambulance for taking the patient to the hospital. Therefore, in the ProHealth Accumulate insurance, you can compensate the Ambulance Expenses as well for up to Rupees 2000 and it is payable per hospitalization event.

Donor Expenses

If you are going for the organ transplant surgery then this insurance covers all the expenses done for buying the organ. The maximum compensation for the Donor Expenses will be up to the full sum assured.

Worldwide Emergency Cover

In case of an unfortunate illness outside, this policy covers all the expenses. In short, it means that you can make the claim for those medical expenses incurred outside India and it can be done only once a year. The maximum amount for the global emergency cover is the amount of the sum assured you have chosen while taking the plan.

Restoration of the Sum Assured

It is obvious, that too many claims in a year reduce the value of the Sum Assured. Therefore ManipalCigna gives you a Restoration of the Sum Assured Benefit in which the original value of the Sum Assured will be restored so that you can get a higher amount of compensation in the future.


If you are going through the Ayurvedic Treatment then also you can reimburse the expenses incurred. The maximum amount covered will be the Sum Assured you have taken and it will cover the expenses at AYUSH Hospitals as well.

Health Maintenance Benefits and Cumulative Bonus on Health Maintenance

You are entitled to a Health Maintenance Benefits for the following Amounts every policy year.

  1. Sum of 5000
  2. Sum of 10000
  3. Take 15000
  4. Take 20000
  5. Get 5% Cumulative Bonus in the Health Maintenance Benefit if you haven’t used the health maintenance benefit during the policy year

The health maintenance expenses occur for diagnostic tests, preventive tests, drugs, prosthetics, medical aids (spectacles and contact lenses, hearing aids, crutches, wheelchair, walker, walking stick, lumbosacral belt), prescribed by the specialist Medical Practitioner up to the limits specified in the Schedule, Dental Treatments and AYUSH Forms of Medicines wherever prescribed by a Medical Practitioner.

Value-Added Benefits

Now it is time to explore some of the additional benefits of the ManipalCigna ProHealth Accumulate Extra Cover Plan.

Health Check-Up

The company gives you a free health check-up in this insurance plan once you qualify for the age of 18 years. You are eligible for a free health check-up only once in every 3 policy years. The tests that are covered under this benefit are:-

  1. Vitals
  2. ECG
  3. Total Cholesterol
  4. FBS
  5. Sr. Creatinine
  6. CBC
  7. SGPT
  8. Lipid Profile

Consult a Specialist

You can take the expert opinion in case of a critical illness. You have the option to consult a specialist free of cost under this insurance plan. But you can enjoy this benefit only once a year. The critical illnesses that are covered in this insurance plan are:-

  1. Cancer of specific severity
  2. Myocardial Infarction (First Heart Attack of specified severity)
  3. Open Chest CABG
  4. Open Heart Replacement or Repair of Heart Valves
  5. Coma of specified severity
  6. Kidney Failure requiring regular dialysis
  7. Stroke resulting in permanent symptoms
  8. Major Organ/Bone Marrow Transplant
  9. Permanent Paralysis of Limbs
  10. Motor Neurone Disease with permanent symptoms
  11. Multiple Sclerosis with persisting symptoms

Cumulative Bonus

If you don’t make any claim in the policy year then the company will increase the amount of the Sum Assured by 5% every year until it reaches a maximum of 200% of the Sum Assured.

Eligibility Criteria of the ManipalCigna ProHealth Accumulate Large Cover

Minimum Age of Entry for Children91 Days
Minimum Age of Entry for Children18 Years
Minimum Sum Assured5.5 Lacs
Maximum Sum Assured50 Lacs

Earn Some Discounts in the ManipalCigna ProHealth Accumulate Large Cover

  1. Cover 2 or more family members in the same policy under an individual policy option and get a discount of 25%.
  2. Select two policy years at once and enjoy a Discount of 7.5%.
  3. Select three policy years at once and enjoy a Discount of 10%.

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