ManipalCigna ProHealth Health Insurance Wordings

Covers are divided in four parts: Basic Covers: It includes in patient hospitalisation, pre-hospitalisation, post-hospitalisation, day care treatment, domiciliary treatment, ambulance cover, donor expenses, worldwide emergency cover, restoration of sum insured, health maintenance benefit, maternity expenses, newborn expenses, first year vaccinations. Value Added Covers: Health checkup, expert opinion on critical illness, cumulative bonus, and healthy rewards. Optional Covers: Deductible, reduction in maternity waiting and voluntary co-pay. Add On Cover: Critical illness

The entry age is maximum 91 days for children and 18 years for adults. Under a floater plan, it is 23 years for children and lifetime for adults.

The policy tenure is either 1 year or 2 years. You have the option to choose the tenure when buying the policy.

The pre-medical check-up is conducted at the network of diagnostic designated centers identified by CignaTTK.