Manipal Cigna
ProHealth Prime Active
The ManipalCigna ProHealth Prime Active plan offers coverage for inpatient hospitalization, pre- and post-hospitalization expenses, and AYUSH treatments. It also provides value-added benefits like unlimited teleconsultations, a premium waiver on critical illness or accidental death, and a cumulative bonus to increase the sum insured. A standout is its 100% restoration benefit but only for unrelated illnesses.
What's good here?
Reasonable waiting period for pre-existing diseases
If you are already dealing with Asthma, Diabetes, Hypertension, Dyslipidaemia & Obesity related conditions, then the insurer will cover you after 90 days. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 2 years before they start covering these complications.
If you are already dealing with Asthma, Diabetes, Hypertension, Dyslipidaemia & Obesity related conditions, then the insurer will cover you after 90 days. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 2 years before they start covering these complications.
Pre & Post hospitalization
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Good Restoration Benefit
You will have 100% of the cover restored any number of times, so that you can use this benefit in the event you have to endure multiple hospitalizations in a bid to treat a different complication In the same year, by the way.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 90% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 90% of the final bill. The rest is on you. They call this a co-payment.
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Hernia, Hysterectomy, benign Prostate Hypertrophy, stones, Cataract, Total Knee replacement, breakage of bones and some modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Maternity benefits not offered
TODO
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Doctor consultations are not covered
TODO
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
No free Health Checkups unless you wait 3 years
If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 3 years. However, just so you know, most insurance policies offer free yearly health checkups.
Frequently Asked Questions
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