Manipal Cigna
ProHealth Select
The Manipal Cigna ProHealth Select plan is an economical and customizable health insurance policy offering sum insured options from ₹0.5 lakh to ₹25 lakh. The plan features restoration of the sum insured [Available once in a policy year for unrelated illnesses in addition to the Sum Insured opted for]. Available for all Sum Insureds except ₹50,000 and ₹1,00,000], non-reducing cumulative bonuses [5% each year, maximum up to 100%], and optional add-ons like deductibles and health check-ups, making it suitable for budget-conscious individuals seeking flexible coverage.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
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.
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.
Pre & Post hospitalization
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's bad here?
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds ₹3,000. But in the event, you breach this limit, get ready to pay a lot more. - Read more here
Maternity benefits not offered
TODO
What's okay here?
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
What's lacking here?
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Underwhelming bonus feature
Your sum insured increases by 5% each year, even if you've claimed in the previous year. 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%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Add-on
Re-Assurance
With this paid add-on, the insurance company extends the policy tenure for 2 years on diagnosis of a Critical Illness or Permanent Total Disability due to accident.
Frequently Asked Questions
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