Manipalcigna Prohealth Select Plan
vs
Optima Restore Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Manipalcigna Prohealth Select Plan |
3937-1730269249.webp){kind=logo} Optima Restore Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
8500 | 12000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 91 days | 5 to 65 years |
| Plan Premium Entry Age and S/A | NA | 8852 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual & Family floater |
| Plan Sample Premium | NA | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1, 2 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 99.96 | 98.59 |
| Solvency Ratio | 1.5 | 1.7 |
ManipalCigna ProHealth Select - A health insurance plan that extends coverage in times of need.
Life's unpredictable emergencies require your financial attention, but it is difficult to predict the expenses you might have to pay. So, health insurance like ManipalCigna ProHealth Select can save you from exhausting everything you have. It covers your healthcare needs in times of distress and reassures you even when you are not around or capable of earning a livelihood. You also get to choose any sum insured option ranging from INR 50,000 to 25 Lakhs. However, the two plan variants that come with different sets of coverage benefits make it even more fascinating to buy this policy. Below are the two plan variants under the ManipalCigna ProHealth Select:
Additionally, this policy provides an automatic extension for 2 more years without paying any premiums (waiver of premium can be availed). Given that, you are diagnosed with any one of the specified critical illnesses or an accident that has caused a permanent total disability.
Furthermore, the best part of having this insurance is you can customize your coverage options with add-on riders, optional covers, value-added covers, etc. It simply feels like you can put any toppings of your choice to make your cake taste better. The combination of this plan can be altered as;
Want to know more about this plan? Read on to learn eligibility criteria, specifications and features, inclusions and exclusions, etc of the ProHealth Select policy.
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