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Health Insurance 1966 views May 22, 2020
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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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.
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.
The company gives an Inpatient Hospitalisation benefit and they are divided into two parts depending upon the amount of Sum Assured you have chosen.
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.
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.
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.
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.
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.
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.
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.
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.
You are entitled to a Health Maintenance Benefits for the following Amounts every 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.
Now it is time to explore some of the additional benefits of the ManipalCigna ProHealth Accumulate Extra Cover Plan.
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:-
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:-
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.
Particulars | Details |
---|---|
Minimum Age of Entry for Children | 91 Days |
Minimum Age of Entry for Children | 18 Years |
Minimum Sum Assured | 5.5 Lacs |
Maximum Sum Assured | 50 Lacs |