Does this relaxation apply to HMB benefit under ProHealth Insurance?
Waiting Periods and Permanent Exclusions including Co-pay’s do not apply to Health Maintenance Benefit.
I am diagnosed with COVID, can I buy ProHealth/Super Top Up policy now?
Yes, you can apply for the insurance cover but issuance of this policy will be subject to underwriting.
Will there be any additional premium due to this relaxation of waiting period?
No, there is no impact on policy premium due to relaxation of “30 day waiting period”.
What is the reason behind this initiative?
As your preferred partner in illness and wellness, we wish to assure you that we are by your side and committed to provide you and your loved ones comprehensive health insurance services.
With the onset of COVID-19, we understand that the unexpected medical expenses can jeopardize your ﬁnancial security, therefore to ensure that there is no barrier in the healthcare you need, we have reduced the ‘30 days Waiting Period’ to 15 days (if applicable) for COVID-19 claims.
What is this relaxation of waiting period?
In this relaxation, we have reduced the ‘30 days Waiting Period’ to 15 days (if applicable) for COVID-19 claims.
What do you mean by Covid claims?
Medical expenses towards treatment of Covid, on positive diagnosis of Covid, will be considered as Covid claims.
For which plans this relaxation is applicable?
This relaxation is applicable for ManipalCigna ProHealth Insurance (UIN: MCIHLIP415V042021) and ManipalCigna Super Top Up (UIN: MCIHLIP21121V022021) policy.
Who is eligible for this relaxation?
Insured persons having Policy Start date between 12-10-2020 and 31-03-2021 (including both dates) are eligible for this relaxation.
My Policy Issuance date and policy start date are different. Which date will be considered for this relaxation?
Policy Start date will be considered for the purpose of this relaxation. Insured having Policy Start date between 12-10-2020 and 31-03-2021(including both dates) are eligible for this relaxation.
Please refer Policy Schedule for details of Policy Start date.
Are pre-hospitalization expenses covered for first 15 days of the policy for COVID claims?
No, Pre-hospitalization and hospitalization expenses will be covered after 15 days waiting period for Covid claims and after 30 days for Non-Covid claims. Claims arising due to accidents will be covered from day 1.
I am diagnosed with COVID and I have some other morbidity condition(s), does this relaxation apply to treatment of such condition(s)?
Yes, along with Covid treatment if there is some other morbidity condition(s) for which treatment is necessary to recover, then for such conditions this relaxation will be applicable.