In the age of fast moving world and chaotic lifestyle, most of us tend of ignore our daily health requirement. Nobody knows when they could find themselves in a medical exigency situation. It is then, when the magnitude of a health insurance plans is comprehended.
ManipalCigna Health Insurance Company Limited gratifies the needs of copious customer who wants to safeguard their health related expenses through health insurance plans.
The various kinds of Health Insurance Products offered by ManipalCigna Health Insurance are
Incurred Claim Ratio
|ManipalCigna Health Insurance Plans||Sum Assured||Eligibility||Pre and post hospitalization||Ambulance Charges|
|ProHealth Protect Plan||It offers ten different options; Rs.3.5Lacs, Rs.4.5Lacs, Rs.5.5Lacs, Rs.7.5Lacs, Rs.10Lacs, Rs. 15Lacs, Rs. 20Lacs, Rs. 25Lacs, Rs. 30 Lacs or Rs. 50Lacs.||Minimum Entry Age is 91 days for children and 18 years for adults.Maximum Entry Age is None||Pre-hospitalization expenses are covered up to 60 days and Post-hospitalization expenses are covered up to 90 days||It also bears the ambulance charges up to Rs. 2,000 per hospitalization event|
|ProHealth Plus Plan||You can choose between nine different sum assured options;Rs.4.5 Lacs, Rs.5.5 Lacs, Rs.7.5 Lacs, Rs.10 Lacs, Rs. 15 Lacs, Rs. 20 Lacs, Rs. 25 Lacs, Rs. 30 Lacs or Rs. 50 Lacs.||Minimum entry age is 91 days for children and 18 years for adults.Maximum entry age is None.||Pre-hospitalization expenses are covered up to 60 days and Post-hospitalization expenses are covered up to 180 days.||Ambulance Charges are covered up to Rs.3000 per hospitalization event|
|ProHealth Preferred Plan||You can choose between three different sum assured options - Rs.15 Lacs or Rs.30 Lacs or Rs.50 Lacs.||Minimum entry age is 91 days for children and 18 years for adults.Maximum entry age is None.||Pre-hospitalization expenses are covered up to 60 days. Post-hospitalization expenses are covered up to 180 days.||It covers the actuals incurred expenses paid per hospitaisation event|
|ProHealth Premier Plan||Sum assured available under this health plan is –Rs.1 crore i.e.Rs.100Lacs.||Minimum entry age is 91 days for children and 18 years for adults..Maximum entry age is None.||Pre-hospitalization expenses are covered up to 60 days.Post-hospitalization expenses are covered up to 180 days.||It covers the actuals incurred expenses paid per hospitaisation event|
|Lifestyle Protection - Critical Care Plan||Policy is available for a Sum Insured from Rs 1 Lac to 3 Crores in multiple of 1000. (Higher Sum Insured available subject to underwriting)(Eligibility of Sum Insured will be maximum 10 times of annual income)||Minimum entry age is 18 Years Maximum entry age is 65 Years||NA||NA|
|Lifestyle Protection - Accident Care Plan Sum Insured||Sum Insured will range from Rs 50,000 to maximum of Rs 3 Crores.(Higher Sum Insured available subject to underwriting) (Eligibility of Sum Insured will be maximum 10 times of annual income)||Minimum entry age is 5 years for child and 18 years for adults.Maximum entry age is 25 years for child and 80 years for adults.||Na||NA|
All round health care solutions that give you complete protection and help you lead a healthy smooth life. The protection solutions are exclusively designed to provide financial support to you and your family in Illness and Wellness
Wide range of Sum Insured from Rs 3.5 Lacs to Rs 50 Lacs on Individual and Family floater basis.
Benefit of ManipalCigna ProHealth Protect Plan
In-patient hospitalization - If you are admitted to a hospital for more than 24 hrs of illness or injury, expenses of room charges, ICU, nursing charges, doctor fees , surgeon fees, blood, oxygen, operation theatre charges and other medical expenses while your stay in hospital will be taken care of up to full Sum Insured.
The ManipalCigna Lifestyle Protection - Critical Care is a customized insurance plan to reassure the financial assistance in the times of medical exigency for critical diseases .The key Features of this plan are
The basic plan covers below mentioned critical illnesses:Cancer of specific severity
Life can take an atrocious turn for those who are not well planned ahead for crisis situation especially when it comes for any unforeseen event such as accident or any loss of body part for self and loved ones in the family.
The ManipalCigna Lifestyle Protection - Accident Care assures financial support through the ups and down of life and provides a safety cushion for a better tomorrow.
The Plans is offered in three variants
The Plan includes
This plan includes any expense related to
This plan includes any expense related to
Apart from the above mentioned expenses, Customer may go for add on covers basis some additional premium. The additional coverage shall include
Any unforeseen medical exigency not only makes a hole in the pocket, but also comes with a cluster of out of pocket expenses. Such expenses are generally not covered in traditional health care plan. To diminish such situation, wherein one runs out of cash in such medical exigency situation, ProHealth Cash Plan comes handy. The key features of this plan are
The plan is offered by ManipalCigna Health Insurance in 3 different variant and the insured may choose according to their requirement.
Sickness Hospital Cash Allowance
This plan has been diversifies to cover a broad range of expenses for a time duration of 90 days. The allowances allowed under this plan includes:
Apart from the regular benefits in above two plans , customer may avail few more additional coverage for a time span of 180 days
International Health Insurance Plan by ManipalCigna Health Insurance offers special fortification to Indian locals and expatriates who are residing abroad for employment purpose. Being away from home country and working in different geographic conditions make them exposed to various kinds of risks and health hazard.
Out of Area 30 days cover - Emergency Treatment only Emergency Evacuation & Repatriation
Repatriation of Mortal remains
ManipalCigna Health Insurance Company Limited offers an high-end online platform for various services. This ensures hassle free enrollment and transparency in all terms & conditions for enrollment in any of the plans.
The claim procedure of ManipalCigna Health Insurance is different for Cashless Claims and Reimbursement Claims.
Cashless claims are offered only when the insured undertakes the desired treatment at a network hospital, provided the said treatment is covered by the policy.
Ans: You can either contact your ManipalCigna Health Advisor, or directly approach the company through the toll-free helpline number provided by them.
Ans: You have to contact the ManipalCigna Health Insurance Company as soon as an emergency occurs, or inform them in advance in case of a planned hospitalization.
Ans: The following documents are required at the time of intimation of the claim:
Ans: The following documents are required to make a reimbursement claim:
Ans: In case of cashless claims, the authorization will be directly sent to the hospital by the insurance provider. Email and SMS is sent to your registered mail id and mobile number.
In case of reimbursement claims, updates on the status of your claim will be sent to you via email and SMS; which is why it is important to always have your contact details updated in the company records.
Ans: While there is no limit on the number of claims that can be made in a year, the sum insured is limited.
Ans: The Health Maintenance Benefit is aimed at reimbursing the outpatient expenses (if any) incurred by the policyholder during the policy period.
This benefit also includes coverage for diagnostic tests, dental treatments, drugs, medical aids, prosthetics, and/or any other types of medicines taken.
Ans: The insurance company takes 5 working days to accept or reject a claim.
Following this, it takes not more than 30 days to settle the claim.
Ans: We will cover Medical Expenses of the Insured Person incurred outside India, up to limits specified in the Schedule, provided that:
Ans: A cashless claim is convenient since the payment is handled by the insurance company with the Network Hospital, with no involvement of the policyholder in the payment process.
However, any non-payable amounts will be deducted. Inadmissible expenses such as co-payments or deductions (if any) will have to be paid by the insured.