Insurance Plans 148 views March 1, 2020

Manipal Cigna ProHealth Protect

Health Insurance is always important for any family as it takes care of the sudden financial requirement which otherwise may become a huge burden on you and your family. Manipal Cigna Health Insurance Company understands the importance of this aspect and therefore has developed heath plans which help you to overcome the worries and tension of the health hazards.

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Manipal Cigna Health Insurance Company is a joint undertaking between Manipal Group and Cigna Corporation. While Manipal Group spearheads in the field of the healthcare industry, Cigna Corporation, an internally renowned health insurance company also serves millions of customers around the world. With their health expertise, Manipal Cigna has been able to bring a large range of health plans as per the need of the customers. And one such product is the Manipal Cigna ProHealth Protect plan.

Manipal Cigna ProHealth Protect is one of the categories which comes under the Manipal Cigna ProHealth Insurance plan, the other three being Manipal Cigna ProHealth Plus, Manipal Cigna ProHealth Preferred, Manipal Cigna ProHealth Premier and Manipal Cigna ProHealth Accumulate.
We will study more about the Manipal Cigna ProHealth Protect health plan below.

Features and Benefits of Manipal Cigna ProHealth Protect

  1. Wide Coverage: The plan provides a large Sum Insured to the tune of INR 50 lakhs as per your need
  2. Universal Protection: The plan guards you globally as well and not restricted only to India
  3. Choice of the plan: You can opt for individual or family protection plan
  4. No Restriction for entry age: Maximum age of entry is not there under this plan
  5. Pre-hospitalization expenses: Expenses like fees for doctors, diagnostics fees, etc. are covered until 60 days before hospitalization
  6. Post-hospitalization expenses: Expenses like fees for consultants, cost of pharmacy, etc. are covered until 90 days or 180 days after the release from the hospital
  7. In-patient hospitalization: For a minimum of 24 hours of hospitalization all expenses like room rent, surgeon fees, oxygen, blood, anaesthetist fees, Doctors fees, medicines. etc will be covered
  8. Day Care Coverage: Coverage of 546-day care treatments like eye surgery, chemotherapy, tearing of a ligament, etc.
    Restoration of Sum Assured: Limitless restoration with 100% extra Sum Assured
  9. Guaranteed Claim Bonus Facility: You will be entitled to receive a bonus to 200% of the Sum Assured. Guaranteed Claim Bonus will be there for you whether you claim or not and the sum assured will increase by 5% or 10% as applicable
  10. The facility of Health Maintenance Benefit or HMB: Various expenses like contact lenses, walker, medicines, diagnostic test, etc. will be covered as per the plan availed
  11. Alternate Treatment: Ayus, Sidha, Unani, Homeopathy and Naturopathy treatments will be covered under this plan
  12. Organ Donor Expenses: The benefit gives the coverage for expenses incurred for organ donation as well
  13. Rewards for being Healthy: By availing the wellness programs, you can earn reward points.
  14. Critical Illnesses Benefit: Coverage for Critical Illnesses will be after 48 months from the inception of the plan
  15. The benefit of Hospital Daily Cash: This benefit is available for each hospitalization
  16. Waiting of 2 years: For specific diseases, the waiting period would be 2 years
  17. Discount: You are entitled to get a discount if you opt for family coverage until 25% depending on the plan. You can also get a 7.5% discount if you go for 2 years plan and 10% if you avail 3 years plan
  18. The benefit of Tax: You can avail tax exemption under section 80D of the Income Tax Act

Eligibility under Manipal Cigna ProHealth Protect

Entry age Minimum: 91 days for children and 18 years for Adults
Critical Illness Coverage: Minimum is 18 years and Maximum is 65 years
Relationship Coverage Individual Plan- Self, spouse, children, siblings, parents, parent in-laws, grandparents, grandchildren, daughter-in-law, son-in-law, nephew, niece, uncle, and aunty,
Family Plan- Self, spouse, dependent children until 23 years, dependent parents. A maximum of 2 adults and 3 dependent children will be covered under one single policy.
Term of the Policy (in years)
RenewalLifelong
Type of PlanIndividual or Family Floater
Sum Insured (INR)2.5 lakhs, 3.5 lakhs,4.5 lakhs, 5.5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, 35 lakhs, and 50 lakhs
Premium Depends on the age, the sum assured and family size

Exclusions under Manipal Cigna ProHealth Protect

The plan will not compensate any expense under the below situations:

  1. Suicide or under the influence of drugs
  2. HIV or AIDs
  3. Any loss which is a result due to pregnancy or childbirth
  4. Treatment for dental
  5. Hospitalization due to war, strike, riots, and nuclear activities

Claims under Manipal Cigna ProHealth Protect

You can call at the toll-free number 1800 419 1159 for any assistance on the claim. Also, you can write to their email address which is cigna@mediassistindia.com with the below-mentioned details for intimating the claim. https://healthinsurance.manipalcigna.com/claims-process

  1. Your Policy Number
  2. Policyholder’s Name
  3. Name of the Insured Individual
  4. Illness or Injury nature
  5. Admission Date
  6. Details of the Hospital with the name and address of the visiting Doctor
  7. Other necessary details, if asked
    For a cashless claim and in case the hospitalization is planned, you need to inform a minimum of 3 days before the date of admission. And in case of emergency hospitalization, within 24 hours.

Essential Documents needed for Reimbursement Claims under Manipal

  1. Cigna ProHealth Protect
  2. Duly completed claim form with correct details
  3. Patient’s photo identity
  4. Summary of Hospital Discharge Operation Theatre details
  5. Main bill for hospital
  6. Break up of Hospital bills
  7. All necessary Investigation reports
  8. Investigation reports, MRI, X-Ray, CT films, ECG, HPE in Original
  9. Doctor’s prescription for the investigations
  10. Bills from medical shop
  11. MLC or FIR Report. Also Post Mortem Report if appropriate
  12. KYC documents -proof for photo identity, proof of address, current
  13. passport-sized photograph
  14. Cancelled cheque needed for NEFT transfer
  15. Payment receipts

With a comprehensive range of sum assured and connected benefits, you can pick and select the coverage that suits your needs the best. Many advantages like voluntary coverage for critical illness and global coverage do not restrict the plan’s offering. Hence, if you are searching for an all-inclusive coverage for yourself and your family, you can definitely go ahead and choose the Manipal Cigna ProHealth Protect health insurance plan.

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