ManipalCigna Health Insurance for Parents

Available on individual as well as family floater sum insured basis, ProHealth Insurance helps the parents ensure their financial security, get covered when they fall ill and reap rewards for staying healthy. Featuring a policy term of 1 year, 2 years or 3 years, ProHealth Insurance comes in ProHealth Protect, ProHealth Plus, ProHealth Preferred, and Prohealth Premier variants. It provides coverage for an inpatient hospitalisation, pre-hospitalisation, post - hospitalisation, and various other expenses, which otherwise become difficult for the elderly to manage.

Key Features

• Sum insured range from Rs. 2.5 Lakh to Rs. 100 Lakh
• 6,969+ network hospitals for cashless treatment
• Unlimited times of Restoration with 100% additional Sum Insured
• Healthy Rewards points up to 20% of the premium to redeem as HMB/renewal discount
• Guaranteed Bonus every renewal, max up to 200%
• Worldwide protection up to the full sum insured in case of emergency
• Superior deductible up to Rs.10 Lakh with packaged benefits to top-up health protection
• Dedicated preventive health benefits with Medical Check-up and Wellness Programs, etc.

Scope of Coverage

• Inpatient hositalisation expenses covered
• Pre & post-hospitalisation coverage
• 500+ day care treatments covered up to the full sum insured
• Ambulance cover
• Donor expenses
• Worldwide emergency cover
• AYUSH cover
• Value-added cover for expert opinion on critical illness, and others.

Eligibility

The minimum entry age for ProHealth Insurance plan is 91 days for children and 18 years for adults. The maximum entry age is lifelong.

Exclusions

• Dental treatment, dentures or surgery
• Genetic disorder and stem cell implantation/surgery
• Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
• Expenses for the treatment of HIV or AIDS and related ailments
• Insanity, mental disorders, congenital diseases, weight control treatments, and cosmetic surgery, etc.

Do you think ProHealth Insurance is the best health insurance for parents? To uncover more about the plan, kindly go through the Policy Wordings. In case of doubts, you can also call InsuranceDekho at 1800-1205-698.