🌟 Select • Accumulate • Plus

ManipalCigna ProHealth is a flexible health insurance solution that offers comprehensive medical protection for individuals and families. The plan is available in three popular variants—Select, Accumulate, and Plus—to suit different healthcare and budget needs. These plans provide hospitalization cover, restoration benefits, wellness rewards, and optional add-ons for enhanced protection.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🛡️ Plan Variants

🟢 1. ProHealth Select

A customizable health insurance plan where you choose the benefits you need and pay accordingly.

✨ Key Features

🏥 Customizable Coverage

💰 Flexible Sum Insured Options

♻️ 100% Restoration Benefit

📈 Guaranteed Cumulative Bonus

🌿 AYUSH Treatment Cover

🎁 Healthy Rewards Program

🩺 Optional Health Check-up

🛡️ Optional Critical Illness Rider

💻 Optional Health 360 OPD Rider

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🔵 2. ProHealth Accumulate

Ideal for customers looking for affordable health insurance with savings on healthcare expenses.

✨ Key Features

🏥 Comprehensive Hospitalization Cover

💊 Health Maintenance Benefit

💰 Accumulate Unused Health Maintenance Benefits

♻️ Restoration Benefit

📈 Guaranteed Cumulative Bonus

🎁 Healthy Rewards

🩺 Preventive Healthcare Benefits

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🟣 3. ProHealth Plus

A comprehensive family health insurance plan offering enhanced benefits and annual preventive care.

✨ Key Features

🏥 Comprehensive Hospitalization

🛏️ Better Room Rent Benefits

📈 Higher Guaranteed Cumulative Bonus

🩺 Annual Health Check-up

🤰 Maternity Cover (after waiting period)

👶 Newborn Baby Cover

♻️ Restoration Benefit

🌿 AYUSH Treatment

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💰 Sum Insured Options

ProHealth Select

✅ ₹50,000

✅ ₹1 Lakh

✅ ₹2 Lakhs

✅ ₹3 Lakhs

✅ ₹4 Lakhs

✅ ₹5 Lakhs

✅ ₹7 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

ProHealth Accumulate

✅ ₹5.5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

✅ ₹50 Lakhs

ProHealth Plus

✅ ₹4.5 Lakhs

✅ ₹5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

✅ ₹50 Lakhs

(Availability depends on the selected plan.)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

👨‍👩‍👧 Who Can Be Covered?

👤 Self

💑 Spouse

👶 Dependent Children

👴 Parents

👵 Parents-in-law

👨‍👩‍👧 Family Floater

👥 Multi-Individual Cover

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🏥 Hospitalization Coverage

Eligible medical expenses include:

🛏️ Room Rent

🏥 ICU Charges

👨‍⚕️ Doctor Consultation

💉 Surgery Expenses

🩺 Nursing Charges

💊 Medicines

🧪 Diagnostic Tests

🩸 Blood & Oxygen

🦴 Medical Implants

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🚑 Pre & Post Hospitalization

Before Hospitalization

📅 Up to 60 Days

🩺 Doctor Consultation

🧪 Diagnostic Tests

💊 Medicines

After Hospitalization

📅 Up to 90 Days (Select & Accumulate)

📅 Up to 180 Days (Plus)

🩺 Follow-up Consultation

💊 Medicines

🧪 Diagnostic Tests

🩹 Recovery Care

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💉 Day Care Procedures

Coverage for eligible daycare procedures, including:

👁️ Cataract Surgery

❤️ Angiography

🩸 Dialysis

🧬 Chemotherapy

☢️ Radiotherapy

🦴 Arthroscopy

👂 ENT Procedures

🏥 Minimally Invasive Surgeries

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🧬 Modern Treatments

Coverage includes eligible advanced treatments such as:

🤖 Robotic Surgery

💉 Immunotherapy

🧬 Stem Cell Therapy (Specified Conditions)

💊 Oral Chemotherapy

🧠 Deep Brain Stimulation

🌬️ Balloon Sinuplasty

Subject to policy terms.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

♻️ Restoration Benefit

Enjoy 100% Restoration of the Sum Insured once during the policy year for eligible unrelated illnesses.

✔️ Helps cover multiple hospitalizations.

✔️ Available under eligible plan variants and policy conditions.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📈 Guaranteed Cumulative Bonus

🎁 Earn a bonus for every claim-free year.

Select & Accumulate

📈 5% increase every year

🎯 Maximum up to 100% of the Sum Insured.

Plus

📈 10% increase every year

🎯 Maximum up to 200% of the Sum Insured.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🩺 Health Check-up

Select

🩺 Optional Health Check-up Benefit

Accumulate

🩺 Available periodically as per policy option

Plus

🩺 Annual Health Check-up (excluding the first policy year)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🌿 AYUSH Treatment

Coverage for inpatient treatment under:

🌱 Ayurveda

🧘 Yoga

🌿 Naturopathy

💊 Unani

🌼 Siddha

✨ Homeopathy

Covered up to the policy Sum Insured.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

❤️ Organ Donor Cover

Eligible expenses include:

❤️ Organ Donor Hospitalization

🧪 Donor Medical Expenses

🏥 Organ Transplant Expenses

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🚑 Ambulance Cover

🚑 Road Ambulance

💰 Up to policy limits depending on the selected variant.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🎁 Wellness & Healthy Rewards

🏃 Healthy Lifestyle Rewards

🎯 Reward Points

💰 Redeem reward points towards renewal premium (up to eligible limits)

🩺 Preventive Health Programs

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

➕ Optional Covers & Riders

🛡️ Critical Illness Rider

💻 Health 360 OPD Rider

🩺 Health Check-up Cover

🌍 Worldwide Emergency Cover

📈 Cumulative Bonus Booster

🏥 Removal of Room Rent Limit

💰 Deductible Option

🤝 Voluntary Co-payment

🛡️ Re-Assurance Benefit (automatic policy extension on specified critical illness or permanent total disability)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⏳ Waiting Period

📅 Initial Waiting Period – 30 Days (except accidents)

🩺 Specific Diseases – As specified in the policy

❤️ Pre-existing Diseases – 3 Years

Accidental hospitalization is covered from Day 1.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

❌ Major Exclusions

🚫 Cosmetic Surgery

🚫 Self-inflicted Injuries

🚫 Alcohol & Drug Abuse

🚫 Experimental Treatments (unless covered)

🚫 Routine Health Check-ups (unless included)

🚫 Non-medical Expenses as per policy terms

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⭐ Why Choose ManipalCigna ProHealth?

✅ Three Flexible Plan Options

✅ Coverage up to ₹50 Lakhs

✅ 100% Restoration Benefit

✅ Guaranteed Cumulative Bonus

✅ Healthy Rewards Program

✅ AYUSH Treatment Cover

✅ Day Care Procedures

✅ Organ Donor Cover

✅ Optional OPD & Critical Illness Riders

✅ Family Floater Available

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📄 Documents Required

🪪 Aadhaar Card

🆔 PAN Card (if applicable)

📍 Address Proof

📷 Passport-size Photograph

🏥 Previous Medical Records (if required)

💳 Bank Account Details

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📞 Need More Information?

💙 Secure Your Family with ManipalCigna ProHealth!

📞 Free Expert Consultation

💻 Get an Instant Premium Quote

📝 Quick & Hassle-Free Policy Issuance

🏥 Choose ProHealth Select, Accumulate, or Plus and enjoy flexible, comprehensive health insurance tailored to your needs.