ManipalCigna Sarvah - Uttam Health Insurance Company

Super Top-up Plan

This is a super top-up policy wherein claims exceeding the deductible are paid. Manipal Cigna’s Super Top-up policy is a comprehensive cover that has the following salient benefits –

• Coverage for non-medical expenses: Non-medical expenses, which are otherwise excluded from coverage, are covered under this policy. This ensures that you get comprehensive coverage and your out-of-pocket expenses are minimal.

• Guaranteed no-claim bonus: You get a no-claim bonus of 5% enhancement of the sum insured every year that you don’t make a claim. The maximum bonus allowed is 50% of the sum insured. 

• Critical illness rider: You get the option of adding a critical illness rider to enhance the scope of coverage. This rider pays an additional sum insured in case you suffer from a covered illness.

• Optional coverage benefits: There are different types of coverage benefits available under the policy. You can choose one or more of these coverage benefits to enhance the scope of your policy.

Super Top-up Plus Plan

Super Top-up Plus is the other variant of the Super Top-Up plan offered by Manipal Cigna Health Insurance. The plan offers guaranteed continuity benefits on deductibles from the 5th policy year on buying a separate base health policy. Other salient features of the plan are:

• AYUSH Cover: The plan covers medical expenses towards non-allopathic treatment such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy up to the plan sum insured. The cover is available only for hospitalization undertaken in a Government Recognised Institute or hospital or registered AYUSH Hospital. 

• Reduction in Pre-existing Waiting Period: The pre-existing waiting period of the plan is 48 months which can be reduced to 24 months through a pre-existing disease optional rider. The optional cover is available at the time of buying the policy. 

• Discounts and rebates: Super Top-up Plus variant offers various discounts to make the plan affordable for you. You can get a family discount of 10% of the sum insured for covering two or more family members in the plan. You can also get a long-term discount of 7.5% if you opt for a 2-year policy and a 10% discount on the sum insured if you opt for a 3-year policy term.

ProHealth Plus

One of the variants of the ProHealth policy, the Plus variant is a comprehensive health insurance policy that offers the needed coverage benefits. Some of the features of the policy are as follows –

• Worldwide emergency cover: If you suffer from a medical emergency, you can avail yourself of coverage both in India as well as abroad. This coverage is available up to the sum insured once every policy year.

• Sum insured restoration: If you use up the sum insured on a previous claim in the same policy year, the plan allows the benefit of sum insured restoration. Under this benefit, the sum insured is refilled back to its original amount so that subsequent claims can be met. Moreover, this restoration benefit is available multiple times in a single policy year.

• Maternity and newborn cover: The plan allows coverage for maternity-related expenses. So, if you are hospitalized for delivering a child, the cost of normal, as well as C-Section deliveries, would be covered. Moreover, the policy extends coverage for your newborn baby too if the baby is hospitalized after birth. 

• Range of optional coverage benefits: There are different types of coverage benefits that you can choose to enhance the scope of coverage of the policy. These coverage benefits include features like hospital cash allowance, reduction of the waiting period for maternity cover, cumulative bonus booster, etc. 

ProHealth Protect

Another variant of the ProHealth policy, this policy offers basic coverage benefits at affordable premium rates. Some of the features of the plan are as follows –

• Health maintenance benefit: This benefit rewards you if you maintain a healthy lifestyle. If you fulfill the fitness conditions specified, you get to earn an Activ Day. You can accumulate these days throughout the policy tenure. Thereafter, on renewal, based on the Activ Dayz accumulated, you get premium discounts and other monetary benefits. 

• Annual health check-ups: The policy allows you to avail of annual health check-ups. Every insured member aged 18 years and above can avail of free health check-ups on every renewal.

• A second opinion on critical illness: There is a feature for availing of an online second opinion in case you or any other insured member suffers from a critical illness covered by the policy. This second opinion is available free of cost from the insurer’s panel of experts. 

ProHealth Preferred

The third variant in the ProHealth plan, Preferred offers high sum insured levels and an optimal scope of coverage. The features of the plan are as follows –

• International coverage in emergencies: In the case of medical emergencies, the policy does not restrict your coverage based on geography. Even if you are traveling abroad, you can avail of claim settlement for the medical costs incurred. 

• Coverage for newborn's first-year vaccinations: Besides covering maternity and newborn hospitalizations, the Preferred also covers the cost of first-year vaccinations of the newborn. 

• Option of critical illness add-on: The plan allows the critical illness rider that you can add to your policy for protection from named critical illnesses. If you choose this rider and suffer from a covered illness, the policy would pay a lump sum benefit to help you meet the associated financial challenges that you might face.

ProHealth Premier

A premium policy, Premier offers a high sum insured and the following coverage benefits to ensure that you can enjoy all-round protection –

• Sum insured of Rs.1 crore: The policy is a high-sum insured policy wherein coverage of Rs.1 crore is provided. You can avail of the coverage and meet even the most expensive medical treatments without any hassles.

• Domiciliary treatments without limits: If you are hospitalized at your own home and your hospitalization is categorized as a domiciliary hospitalization, you can avail of coverage without sub-limits. The medical costs would be covered up to the sum insured so that your out-of-pocket expenses are minimal. 

• Multiple sum insured restoration: Sum insured restoration allows you to restore the coverage amount to the original amount if the base sum insured is used up in the previous claim. However, while many policies allow this restoration benefit only once during the policy tenure, ProHealth Premier allows multiple restorations, without limits.

• High no-claim bonus: If you don’t claim your policy, the plan increases your sum insured by 10% after every claim-free year. This increase keeps on accumulating up to a maximum of 200% of the sum insured.

ProHealth Accumulate

This is the last variant in the ProHealth policy. The salient features of the plan are as follows -

• Choice of Health Maintenance Benefit: There are three coverage options for the Health Maintenance Benefit feature. You can choose an option that best suits your needs. Moreover, the accumulated benefit can be used to pay for deductibles or for co-payments to reduce your out-of-pocket expenses at the time of claims

• Healthy Rewards: The policy allows different types of wellness programs. You can participate in these programs and earn reward points equalling 1% of the premium amount. You can use the accumulated reward points to claim a premium discount or convert them to health maintenance benefits.