ManipalCigna Pro Health Protect Plan

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, the room rent is covered wherein any hospital room except Suite.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, ICU charges are covered.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, pre-hospitalization is covered for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan covers medical expenses incurred during post-hospitalization for 180 Days up to 2% of SI.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan does cover domiciliary hospitalizations up to SI.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan covers the expenses of 500 plus listed Day Care treatments covered up to the Sum Insured.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Manipal Cigna Pro Health Plus Plan?

OPD charges are covered under the Manipal Cigna Pro Health Plus Plan as an add-on cover.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan does not cover COVID-19.

A common eye condition in which your vision gets blurred.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan does not cover Cataract Treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan offers a no-claim bonus of 25% of the sum insured for each claim-free year subject to a maximum of 200% of the sum insured.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan offers multiple restorations in a policy year for unrelated illnesses, and injuries in addition to the Sum Insured opted for automatic restoration.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under Manipal Cigna Pro Health Plus Plan the organ donor expenses are covered up to SI.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, ambulance cover is available up to INR 3,000 per event.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, the air ambulance is covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, compassionate travel is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, global coverage is covered up to the full Sum Insured once in a Policy Year.

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Under the Manipal Cigna Pro Health Plus Plan, E-consultation is not covered.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Manipal Cigna Pro Health Plus Plan?

Manipal Cigna Pro Health Plus Plan covers the expenses for a second medical opinion once during the policy year.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Manipal Cigna Pro Health Plus Plan?

A 10%/20% voluntary co-pay is available under the Manipal Cigna Pro Health Plus Plan.