A comprehensive hospitalization plan for you and your family
Sum Insured : ₹ 2.5 Lacs - ₹ 1 Crore
A comprehensive hospitalization plan for you and your family
Best suited for
Individual
Family
Multi Individual
Key Benefits
Launch Date: 22-05-2024
Various Plans
ManipalCigna ProHealth Insurance
has been designed keeping your needs in mind.Sum insured (SI)
2.5Lacs - ₹ 50Lacs
Base premium
16,920*/annum
Sum insured (SI)
4.5Lacs - ₹ 50Lacs
Base premium
23,178*/annum
Sum insured (SI)
15Lacs - ₹ 50Lacs
Base premium
54,403*/annum
Sum insured (SI)
₹ 1Crore
Base premium
87,139*/annum
Sum insured (SI)
5.5Lacs - ₹ 50Lacs
Base premium
28,399*/annum
ProHealth Protect
Suitable for singles and young couple, ProHealth Protect provides comprehensive cover to secure your present and future.
Ped Waiting Period
3 Years
Sum Insured
2.5Lacs - 50 Lacs
Sum Insured
₹ 5.5 Lacs
PREMIUM PER ANNUM
16,920* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Choice of Sum Insured if ₹ 2.5 Lacs to ₹ 50 Lacs
Unlimited Restoration for all Sum Insureds for unrelated illness, injury
Guaranteed inflation protection with cumulative bonus booster option up to 200%
Worldwide protection up to full sum insured in case of emergency
Dedicated preventive health benefits with medical check-up and wellness programs
Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment
Option of Hospital Daily Cash Benefit up to ₹ 1000 per day miscellaneous expenses
25% discount on covering 2 and more family members under the same policy under Individual policy option
Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection
Critical illness Add-on Cover for financial assistance towards medical expenses for life threating condition.(subject to survival period)
Refer Brochure for more details on benefits.
What’s covered
- Hospitalization cover from ₹ 2.5 Lacs – ₹ 50 Lacs
- 546 Day Care Treatment covered up to full Sum Insured
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 90 days)
- Hospital room covered up to single private room up to SI ₹ 5.5 Lacs; for SI ₹ 7.5 Lacs & above –any room except suite or higher
- Ambulance expenses up to ₹ 2000 per event
- Cumulative Bonus: Guaranteed 5%, Max - 200% of SI
- Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
- Outpatients expenses cover with Health maintenance benefit up to ₹ 500
- Worldwide emergency cover up to full SI
- Donor Expenses covered up to full Sum Insured
- AYUSH cover
- Treatment at home covered up to Sum Insured (Domiciliary cover)
- Expert opinion on critical illness
- Medical check-up available once every 3rd policy year
- Healthy rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Deductible
We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal. Voluntary co-pay and Deductible cannot be opted under the same plan
Hospital Daily Cash
Provides a fixed daily cash benefit of ₹ 1000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Voluntary Co-pay
This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan. Voluntary co-pay and Deductible cannot be opted under the same plan
Waiver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Cumulative Bonus Booster
You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
ProHealth Plus
Suitable for couples who have or are planning kids, ProHealth Plus provides a comprehensive cover when looking to start on the family path.
Ped Waiting Period
3 Years
Sum Insured
4.5Lacs - 50 Lacs
Sum Insured
₹ 7.5 Lacs
PREMIUM PER ANNUM
23,178* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Choice of Sum Insured of ₹ 4.5 Lacs to ₹ 50 Lacs
Choice of any hospital room category except Suite or higher
Unlimited Restoration for all Sum Insureds for unrelated illness, injury
Guaranteed inflation protection with cumulative bonus booster option up to 200%
Health Maintenance Benefit (HMB) to cover out-patient expenses up to ₹ 2000
Maternity, New-Born and Vaccination expenses coverage.
Worldwide protection up to full sum insured in case of emergency
Dedicated preventive health benefit with Medical Check-up and wellness programs
Healthy Rewards points up to 20% of premium to redeem as HMB/renewal discount
Option to avail Hospital Daily Cash benefit up to ₹ 2000 per day for miscellaneous expenses
25% discount on covering 2 and more family members under the same policy under Individual policy option
Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection
Critical Illness Add-on Cover for financial assistance towards medical expenses for life threating conditions (subject to survival period)
Refer Brochure for more details on benefits.
What’s covered
- Hospitalization cover from ₹ 4.5 Lacs – ₹ 50 Lacs
- 546 Day Care Treatment covered up to full SI
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 180 days)
- Maternity and new born expenses covered up to ₹ 15000 for normal and ₹ 25000 for C-section per event, max 2 events; 1st year vaccination expenses also covered (waiting period applies)
- Coverage available for any hospital room except suite or higher
- Ambulance expenses up to ₹ 3000 per event
- Cumulative Bonus: Guaranteed 10%, Max - 200% of SI
- Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
- Health maintenance benefit of up to ₹ 2000
- Worldwide emergency cover up to full SI
- Donor expenses covered up to full SI
- AYUSH cover
- Treatment at home covered up to SI
- Medical check-up available each policy year (excluding the first year)
- Expert opinion on critical illness
- Healthy rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Deductible
We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal.
Hospital Daily Cash
Provides a fixed daily cash benefit of ₹ 2000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Voluntary Co-pay
This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan.
Voluntary co-pay and Deductible cannot be opted under the same plan
Waiver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Reduction in Maternity Waiting Period
You have the option to reduce the maternity waiting period from 48 to 24 months with additional premium
Cumulative Bonus Booster
You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered:
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
ProHealth Preferred
Perfect for couples who have or are planning kids, ProHealth Preferred ensures you are well covered, especially when you need a little more of everything.
Ped Waiting Period
2 years
Sum Insured
15Lacs - 50 Lacs
Sum Insured
₹ 15 Lacs
PREMIUM PER ANNUM
54,403* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Choice of high sum insured of ₹ 15, ₹ 30 & ₹ 50 Lacs
Choice of any hospital room category except Suite or higher
Unlimited Restoration for all Sum Insureds for unrelated illness, injury
Health Maintenance Benefits (HMB) up to ₹ 15000 to cover out patient expenses
Guaranteed inflation protection with cumulative bonus (max accumulation up to 200% of SI)
Maternity and new born expenses (covered up to ₹ 50K for Normal delivery & ₹ 1 Lac for C-section per event, max 2 events) and Vaccination coverage (For female insured aged 18-45 years after a Waiting period 48 months)
Worldwide protection up to full sum insured in case of medical emergency
Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment
Dedicated preventive health benefits with Medical Check-up and Wellness Programs
Option to avail hospital daily cash up to ₹ 3000 per day to cover miscellaneous expenses
10% discount on covering 2 and more family members under the same policy under Individual policy option
Critical Illness Add-on Cover for financial assistance towards medical expenses for life threating conditions (subject to survival period)
Refer Brochure for more details on benefits.
What’s covered
- Hospitalization cover from ₹ 15 Lacs – ₹ 50 Lacs
- 546 Day Care Treatment covered up to full SI
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 180 days)
- Maternity and new born expenses covered up to ₹ 50000 for normal; ₹ 1 Lac for C-section per event, max 2 events; 1st year vaccination expenses also covered (waiting period applies)
- Covers any hospital room except suite or higher
- Ambulance expenses fully covered
- Cumulative Bonus: Guaranteed 10%, Max - 200% of SI
- Unlimited times of Restoration with 100% additional SI for unrelated illness, injury
- Health maintenance benefit covered up to ₹ 15000
- Worldwide emergency cover up to full SI
- Donor Expenses covered up to full Sum Insured
- AYUSH cover
- Treatment at home covered up to Sum Insured (Domiciliary cover)
- Medical check-up available each policy year (excluding the first year)
- Expert opinion on critical illness
- Healthy rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Reduction in Maternity Waiting Period
You have the option to reduce the maternity waiting period from 48 to 24 months.
Hospital Daily Cash
Provides a fixed daily cash benefit of ₹ 3000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Waiver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Cumulative Bonus Booster
You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
ProHealth Premier
Perfect for people who want the best healthcare for their families, ProHealth Premier is a high-end health care plans that provides complete cover for all your health needs.
Ped Waiting Period
2 yrs
Sum Insured
1 Crore
Sum Insured
₹ 1 Crore
PREMIUM PER ANNUM
87,139* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode - Single
Proposal may be subject to underwriting review
Comprehensive coverage with high sum insured of ₹ 1 Crore.
Choice of any hospital room category except Suite or higher.
Unlimited Restoration for all Sum Insureds for unrelated illness, injury.
Health Maintenance Benefits (HMB) up to ₹ 15000 to cover out patient expenses.
Guaranteed inflation protection with cumulative bonus booster option (max accumulation up to 200% of SI).
Maternity and new born expenses (covered up to ₹ 1 Lac for Normal delivery & ₹ 2 Lac for C-section per event, max 2 events) and Vaccination coverage. (For female insured aged 18-45 years after a Waiting period 48 months)
Worldwide protection up to full sum insured in case of medical emergency.
Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment.
Dedicated preventive health benefits with Medical Check-up and Wellness Programs.
Option to avail hospital daily cash up to ₹ 3000 per day to cover miscellaneous expenses.
Refer Brochure for more details on benefits.
10% discount on covering 2 and more family members under the same policy under Individual policy option.
What’s covered
- Hospitalization cover of ₹ 1 Crore.
- 546 Day Care Treatment covered up to full Sum Insured
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 180 days)
- Maternity and new born expenses covered up to ₹ 1 Lac for normal; ₹ 2 Lac for C-section (per event) max 2 events; 1st year vaccination expenses also covered (waiting period applies)
- Coverage available for any hospital room except suite or higher
- Ambulance expenses fully covered
- Cumulative Bonus: Guaranteed 10%, Max - 200%
- Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
- Health maintenance benefit option of up to ₹ 15000
- Worldwide emergency cover up to full SI
- Donor Expenses covered up to full Sum Insured
- AYUSH cover
- Treatment at home covered up to Sum Insured (Domiciliary cover)
- Medical check-up available each policy year (excluding the first year)
- Healthy Rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Reduction in Maternity Waiting
You have the option to reduce the maternity waiting period from 48 to 24 months
Hospital Daily Cash
Provides a fixed daily cash benefit of Rs 3000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Walver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
ProHealth Accumulate
Ensuring quality health care along with a financial solution for daily health needs, ProHealth Accumulate provides a comprehensive plan that focuses on costs incurred both in and out of hospital .
Ped Waiting Period
3 years
Sum Insured
5.5Lacs - 50 Lacs
Sum Insured
₹ 7.5 Lacs
PREMIUM PER ANNUM
28,399* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Choice of high sum insured of ₹ 5.5 Lacs to ₹ 50 Lacs
Unlimited Restoration for all Sum Insureds for unrelated illness, injury
Health Maintenance Benefits (HMB) can also be utilised up to 50% towards payment of premium from 1st renewal & onwards
Guaranteed inflation protection with cumulative bonus booster option (max accumulation up to 200% of SI)
Worldwide protection up to full sum insured in case of medical emergency
Dedicated preventive health benefits with Medical Check-up and Wellness Programs
Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment
Option to avail Hospital Daily cash benefit up to ₹ 1000 per day for miscellaneous expenses
Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection
10% discount on covering 2 and more family members under the same policy under Individual policy option
Critical Illness Add-on Cover towards medical expenses for life threating conditions (subject to survival period)
Refer Brochure for more details on benefits.
What’s covered
- Hospitalization cover from ₹ 5.5 Lacs – ₹ 50 Lacs
- 546 Day Care Treatment covered up to full Sum Insured
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 90 days)
- Ambulance expenses up to ₹ 2000 per event
- Room rent covered up to single private room up to SI ₹ 5.5 Lacs, SI ₹ 7.5 Lacs & above-any room except suite or higher.
- Cumulative Bonus: Guaranteed 5%, Max-200% of SI.
- Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
- Health maintenance benefit of ₹ 5000, ₹ 10000, ₹ 15000, ₹ 20000 (as opted) for out-patient expenses and more
- Worldwide emergency cover up to full SI
- Donor Expenses covered up to full Sum Insured
- AYUSH cover
- Expert opinion on critical illness
- Treatment at home covered up to Sum Insured (Domiciliary cover)
- Medical check-up available once every 3rd policy year
- Healthy Rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Deductible
We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal.Voluntary co-pay and Deductible cannot be opted under the same plan
Hospital Daily Cash
Provides a fixed daily cash benefit of Rs 1000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Voluntary Co-pay
This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan.
Voluntary co-pay and Deductible cannot be opted under the same plan
Waiver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Cumulative Bonus Booster
You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
ProHealth Accumulate
Ensuring quality health care along with a financial solution for daily health needs, ProHealth Accumulate provides a comprehensive plan that focuses on costs incurred both in and out of hospital .
Ped Waiting Period
3 years
Sum Insured
5.5 Lacs - 50 Lacs
Sum Insured
₹ 7.5 Lacs
Premium PER ANNUM
28,399* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Premium payment mode- Single.
Proposal may be subject to underwriting review
Benefits
Choice of high sum insured of ₹ 5.5 Lacs to ₹ 50 Lacs
Unlimited Restoration for all Sum Insureds for unrelated illness, injury
Health Maintenance Benefits (HMB) can also be utilised up to 50% towards payment of premium from 1st renewal & onwards
Guaranteed inflation protection with cumulative bonus booster option (max accumulation up to 200% of SI)
Worldwide protection up to full sum insured in case of medical emergency
Dedicated preventive health benefits with Medical Check-up and Wellness Programs
Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment
Option to avail Hospital Daily cash benefit up to ₹ 1000 per day for miscellaneous expenses
Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection
10% discount on covering 2 and more family members under the same policy under Individual policy option
Critical Illness Add-on Cover towards medical expenses for life threating conditions (subject to survival period)
Refer Brochure for more details on benefits.
What’s covered
- Hospitalization cover from ₹ 5.5 Lacs – ₹ 50 Lacs
- 546 Day Care Treatment covered up to full Sum Insured
- Pre-Hospitalisation cover (up to 60 days)
- Post-Hospitalisation cover (up to 90 days)
- Ambulance expenses up to ₹ 2000 per event
- Room rent covered up to single private room up to SI ₹ 5.5 Lacs, SI ₹ 7.5 Lacs & above-any room except suite or higher.
- Cumulative Bonus: Guaranteed 5%, Max-200% of SI.
- Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
- Health maintenance benefit of ₹ 5000, ₹ 10000, ₹ 15000, ₹ 20000 (as opted) for out-patient expenses and more
- Worldwide emergency cover up to full SI
- Donor Expenses covered up to full Sum Insured
- AYUSH cover
- Expert opinion on critical illness
- Treatment at home covered up to Sum Insured (Domiciliary cover)
- Medical check-up available once every 3rd policy year
- Healthy Rewards
What’s not covered
- Dental treatment
- Circumcision
- Sterility and Infertility
- Routine medical check-up and diagnostic tests
- Breach of law
- Expenses related to any unproven treatment
- Aliments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
- Any amount which falls under the deductible or co-pay
- Non-Medical Expenses Listed as per IRDAI
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus.
Rationale For ProHealth Premium Revision, please Click here.
Add Ons and Options
Deductible
We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal.Voluntary co-pay and Deductible cannot be opted under the same plan
Hospital Daily Cash
Provides a fixed daily cash benefit of Rs 1000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.
Voluntary Co-pay
This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan.
Voluntary co-pay and Deductible cannot be opted under the same plan
Waiver of Mandatory Co-pay
You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.
Cumulative Bonus Booster
You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Eligibility
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual and Family Floater
Max Entry Age
No Limit (Children up to the age of 23 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly.
Other plans under ProHealth Insurance
Sum insured
₹
Base premium
16,920*/annum
Sum insured
₹
Base premium
23,178*/annum
Sum insured
₹
Base premium
54,403*/annum
Sum insured
₹
Base premium
87,139*/annum
Plan Comparison
| PLAN NAME | ProHealth Protect |
ProHealth Plus |
ProHealth Preferred |
ProHealth Premier |
ProHealth Accumulate |
|---|---|---|---|---|---|
| Sum Insured | 2.5 Lacs - ₹ 50 Lacs | 4.5 Lacs - ₹ 50 Lacs | 15 Lacs - ₹ 50 Lacs | 1 Crore | 5.5 Lacs - ₹ 50 Lacs |
| Hospital Daily Cash Benefits [Optional Cover] |
1,000 | 2,000 | 3,000 | 3,000 | 1,000 |
| Cumulative Bonus Booster [Optional Cover] |
25% increase in sum insured per year | 25% increase in sum insured per year | 25% increase in sum insured per year | N.A. | 25% increase in sum insured per year |
| Reduction in Maternity Waiting [Optional Cover] |
N.A. | Reduced from 48 to 24 months | Reduced from 48 to 24 months | Reduced from 48 to 24 months | N.A. |
| Deductible [Optional Cover] |
1 - 10 Lacs | 1 - 10 Lacs | N.A. | N.A. | 0.5 - 10 Lacs |
| Voluntary Co-pay [Optional Cover] |
10% or 20% | 10% or 20% | N.A. | N.A. | 10% or 20% |
| Waiver of Mandatory Co-pay [Optional Cover] | 20% for people aged 65 years and above | 20% for people aged 65 years and above | 20% for people aged 65 years and above | 20% for people aged 65 years and above | 20% for people aged 65 years and above |
| Cumulative Bonus | Gauranteed 5% Max up to 200% | Gauranteed 10% Max up to 200% | Gauranteed 10% Max up to 200% | Gauranteed 10% Max up to 200% | Gauranteed 5% Max up to 200% |
| Health Checkup (for all insured aged 18 years & above) | Available once every 3rd policy year | Available each policy year (excluding the 1st year) | Available each policy year (excluding the 1st year) | Available each policy year (excluding the 1st year) | Available once every 3rd policy year |
| Meternity Expense | N.A. | 15,000 for normal 25,000 for C Section | 50,000 for normal 1 Lacs for C Section | 1 for normal 2 Lacs for C Section | N.A. |
| New Born Baby Expenses | N.A. | Covered with Maternity expense | Covered with Maternity expense | Covered with Maternity expense | N.A. |
| Ambulance Expense | Upto 2000 per event | Upto 3000 per event | Actual expenses per event | Actual expenses per event | Upto 2000 per event |
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
Other product with Hospitalisation Cover
Sum Insured upto ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for
Individual
Family
Multi Individual
Key Benefits
