Health Insurance 2157 views May 20, 2020

ManipalCigna ProHealth Plus Medium Cover

Health issues are very common these days and it includes a lot of expenses. Not only the health of the individual is affected but also it affects the financial position. Nowadays, medical facilities are so expensive that you must have a backup so that you can tackle the medical emergency. In such a scenario the only option left is to take a health insurance plan. You can take a look at the ManipalCigna ProHealth Plus Medium Cover Insurance plan that gives you a minimum Sum Assured of 4.5 Lacs. You can even increase the amount of the sum assured as per your needs at the time of inception of the policy. There are many benefits to this insurance plan so you must explore all of them.

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Benefits of ProHealth Plus Medium Cover Plan

You must have a look at the benefits of this policy and you might find all of them interesting. There are different amounts of the Sum Assured that you can take at the time of taking the plan.

Sum Assured

In this plan, the amount of the Sum Assured starts from 4.5 Lacs to 50 Lacs. But there are certain fixed amounts of the sum assured and you will only have to decide anyone amount among them. You can get a Sum Assured of 4.5 Lacs, 5.5 Lacs, 7.5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, and 50 Lacs. After choosing the amount of the Sum Assured, the company will decide the amount of your premium.

Inpatient Hospitalisation

The company will cover any room category except the Suites and or the rooms in a higher category during inpatient hospitalization. It simply means the rent of the room in which you are hospitalized will be covered under this insurance plan. The Room must not be a Suite or in a higher category.


In this benefit, the company will give a cover for the medical expenses done before 60 days from the day of the hospitalization.


In this benefit, the company will cover all the medical expenses done after 180 days once you got discharged from the hospital.

Day Care Treatment

The Day Care Treatment is covered up to the maximum limit of the Sum Assured that you have chosen at the beginning of the ManipalCigna ProHealth Plus Insurance Plan.

Treatment at Home

The Coverage for the treatment at home is covered up to a certain limit of the maximum Sum Assured that you have opted for while taking the health policy.

Ambulance Cover

The Ambulance expenses are also quite high and it is very necessary for the patients to bring them to the hospital. So, under this insurance, you will be paid up to 3000 per hospitalization event for the reimbursement of the Ambulance Expenses.

Donor Expenses

If you are going through any surgery related to the organ transplant then the ProHealth Plus insurance covers all the expenses done on the donor who is donating the organ. The maximum coverage will be up to the full sum assured that you have chosen at the time of inception of the plan.

Worldwide Emergency Cover

If by any chance you get hospitalized outside India and have done medical expenses then the company will reimburse all your expenses up to a maximum limit of the full sum assured. It means you can enjoy the benefits of this policy outside India as well.

Restoration of the Sum Assured

It is one of the best benefits of this policy because after making many claims in a year the amount of the Sum Assured Decreases. But due to this benefit the company restored the original value of the Sum assured and you can claim for the original amount of Sum Assured.


If you are going through an Ayurvedic Treatment for curing any kind of disease then the company will also cover those expenses done for the treatment at AYUSH Hospital. The amount of the full sum assured will be the maximum limit for the coverage.

Health Maintenance Benefits

You can take the Health Maintenance Benefits of up to 2000 per policy year. Expenses done for the treatments that can be done without hospitalization and can be carried out in an outpatient department are known as health maintenance benefits. The health maintenance expenses are done 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.

Maternity Benefits

There are two maternity benefits in the ManipalCigna ProHealth Plus Medium Cover insurance plan:-

  1. It gives a cover of up to 15000 in case of a normal delivery per event.
  2. It gives a cover of up to 25000 for C-Section per event.
  3. There is a waiting period of 48 Months for this benefit.

New Born Baby Expenses

This insurance plan also covers the expenses of a newborn baby up to a maximum of the cover allotted for the Maternity Expenses.

Value-Added Benefits

Now you must go through the value-added benefits of the ProHealth Plus Medium Cover Plan of ManipalCigna.

Health Check-Up

The company gives you a free health check-up each policy year except the first year. All the insured who are above 18 years of age can take this health check-up free of cost. The tests included in the health check-up 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 advice of the specialty doctor in case of a critical illness once in a year. The Critical Illnesses that are covered under this 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 Valve
  5. Coma of specified severity
  6. Kidney Failure requiring regular dialysis
  7. Stroke resulting in permanent symptoms
  8. Major Organ/Bone Marrow Transplantॉ
  9. Permanent Paralysis of Limbs
  10. Motor Neurone Disease with permanent symptoms
  11. Multiple Sclerosis with persisting symptoms

Cumulative Bonus

The company will increase the amount of the Sum Assured by 10% every year if you don’t make any claim in the policy year. The amount of the Sum Assured will increase every year until it reaches 200% of the Sum Assured.

Eligibility Criteria of the ProHealth Plus Insurance Plan

Minimum Age of Entry for Children91 Days
Minimum Age of Entry for Children18 Years
Minimum Sum Assured4.5 Lacs
Maximum Sum Assured50 Lacs

The basis on which the Premium is Decided

  1. Insurance Plan
  2. Term of the Policy
  3. Age of the Policy Taker
  4. Type of Policy
  5. Gender of the Applicant
  6. Zone of Cover
  7. Optional Covers
  8. Add-on Benefit Options

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