Irrespective of where we stay, the health and well being of our family is something we always look into at a stretch.Keeping in tune with the same, ManipalCigna’s ProHealth Select plan goes the extra mile to take comprehensive care of your health and happiness. You can now enjoy the extra coverage with cumulative booster up to 200% and avail an automatic extension of policy for 2 policy years if the insured person is diagnosed with any critical illness. Along with protecting your family against the present and future risks it also guides you on a path towards wellness with Healthy Rewards.
The plan provides financial protection for :
Inpatient hospitalization- The policy takes care of medical expenses for illness or injury that would require hospitalization for more than 24 hours. The plan covers hospital room charges up to2% of the Sum Insured, maximum of Rs.3,000 and up to 4% of Sum Insured with a maximum of Rs.7,000 in case of ICU hospitalization.
Pre hospitalization- Pre-hospitalization expenses like doctor’s fees, pharmacy related expenses, and diagnostic tests will be covered for up to 60 days before getting hospitalized.
Post hospitalization- Even after you are discharged, there are expenses like consultation fees, diagnostic tests, pharmacy related costs that need to be taken care among many other things. The plan will cover all such post hospitalization related expenses for up to 90 days after your discharge.
Day care treatment- Certain procedures like dialysis, radiation therapy, cataract surgery among other require hospitalization less than 24 hours. The plan covers the cost of such listed procedures up to the sum insured.
AYUSH benefit – The plan also covers up to Sum Insured in-hospital expenses towards non-allopathic treatments including Ayurveda, Yoga, Naturopathy, Unani, Sidha and Homeopathy.
Domiciliary treatment- If you are getting the treatment done at home prescribed by the doctor due to unavailability of hospital bed or your health condition did not allow hospital transfer the plan covers the medical expenses, up to the sum insured including pre-hospitalization expenses of 30 days.
Also includes special coverages like Restoration with 100% additional Sum Insured and Donor cover.
The ProHealth Select plan offers the insured and their families coverage of upto Rs 25 lakhs. The plan provides a first of its kind cover like Reassurance benefit with an automatic extension of policy for 2 years in case of Critical Illness or Permanent Total Disability due to accident.
You can also choose to go for a critical illness add-on cover for comprehensive protection.
In order to give you a brief overview of the plan, the following points explain some of the most asked questions pertaining to ProHealth Select.
Sum insured options: These are the major two:-
Select A – Rs. 0.5, 1, 2, 3, 4, 5, 7, 10, 15, 20, 25 lakhs.
Select B – Rs. 2, 3, 4, 5, 7, 10, 15, 20, 25 lakhs.
Entry age & renewal- The minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy. The plan provides lifetime renewal opportunity.
Is it compulsory to take a medical test before enrollment? It depends on the age as well as the insured amount opted by the individual.
What factors determine the premium? Apart from age, sum insured, gender and results of the medical test (if undertaken); plan variant, policy type, optional and add-on cover also determines the premium.
Policy period- Insurer can choose to go for either of the three- 1 year, 2 years and 3 years term.
Family discount: A 10% discount on premium will be offered if more than 2 members are enrolled under the single individual policy.
Long term discount- 7.5% for selecting a 2 year and 10% for selecting a 3-year single premium policy.