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A comprehensive hospitalization plan for you and your family

Sum Insured: ₹ 2.5 Lacs - ₹ 1 Crore

A comprehensive hospitalization plan for you and your family

Best suited for

Individual

Family

Multi Individual

Key Benefits

Cashless treatment at 6500+ hospitals

Guaruanteed cumulative bouns up to 200% of SI

Tax saving benefits under Sec 80D, IT Act

SEND ME AN EXPERT  
UIN: CTTHLIP18045V031819
Launch Date: 16-10-2018

Various Plans

ManipalCigna ProHealth Insurance

has been designed keeping your needs in mind.

ProHealth Protect

Suitable for singles and young couple, ProHealth Protect provides comprehensive cover to secure your present and future.

Ped Waiting Period

4 Years

Sum Insured

2.5Lac - 50 Lac

Sum Insured

₹ 5.5 Lacs

2.5 Lac

50 Lac

PREMIUM PER ANNUM

10,033* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year

Proposal may be subject to underwriting review

Choice of Sum Insured if ₹ 2.5 Lacs to ₹ 50 Lacs

Unlimited Restoration for all Sum Insureds for unrelated illness, injury

Guaranteed inflation protection with cumulative bonus booster option up to 200%

Worldwide protection up to full sum insured in case of emergency

Dedicated preventive health benefits with medical check-up and wellness programs

Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment

Option of Hospital Daily Cash Benefit up to ₹ 1000 per day miscellaneous expenses

25% discount on covering 2 and more family members under the same policy under Individual policy option

Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection

Critical illness Add-on Cover for financial assistance towards medical expenses for life threating condition.(subject to survival period)

Refer Brochure for more details on benefits.

What’s covered

  • Hospitalization cover from ₹ 2.5 Lacs – ₹ 50 Lacs
  • 546 Day Care Treatment covered up to full Sum Insured
  • Pre-Hospitalisation cover (up to 60 days)
  • Post-Hospitalisation cover (up to 90 days)
  • Hospital room covered up to single private room up to SI ₹ 5.5 Lacs; for SI ₹ 7.5 Lacs & above –any room except suite or higher
  • Ambulance expenses up to ₹ 2000 per event
  • Cumulative Bonus: Guaranteed 5%, Max - 200% of SI
  • Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
  • Outpatients expenses cover with Health maintenance benefit up to ₹ 500
  • Worldwide emergency cover up to full SI
  • Donor Expenses covered up to full Sum Insured
  • In-patient Hospitalization for AYUSH cover
  • Treatment at home covered up to Sum Insured (Domiciliary cover)
  • Expert opinion on critical illness
  • Medical check-up available once every 3rd policy year
  • Healthy rewards

What’s not covered

  • Dental treatment
  • Circumcision
  • Birth control procedures, contraceptive supplies and services
  • Routine medical check-up and diagnostic tests
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Cosmetic surgery except reconstructive surgery for burns and accidents
  • Any form of non-allopathic treatment unless specifically covered under the policy
  • Any robotic or remote surgery
  • Any amount which falls under the deductible or co-pay
  • Non-Medical Expenses Listed as per IRDA



    Above List is only indicative and not exhaustive and does NOT apply to Health Maintenance Benefits
Deductible

We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal. Voluntary co-pay and Deductible cannot be opted under the same plan

Hospital Daily Cash

Provides a fixed daily cash benefit of ₹ 1000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.

Voluntary Co-pay

This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan. Voluntary co-pay and Deductible cannot be opted under the same plan

Waiver of Mandatory Co-pay

You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.

Cumulative Bonus Booster

You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.

Riders

Add-on Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

No Limit (Children up to the age of 23 years can be covered under the family floater plan)

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)

ProHealth Plus

Suitable for couples who have or are planning kids, ProHealth Plus provides a comprehensive cover when looking to start on the family path.

Ped Waiting Period

3 Years

Sum Insured

4.5Lacs - 50 Lacs

Sum Insured

₹ 7.5 Lacs

4.5 Lacs

50 Lacs

PREMIUM PER ANNUM

15,307* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year

Proposal may be subject to underwriting review

Choice of Sum Insured of ₹ 4.5 Lacs to ₹ 50 Lacs

Choice of any hospital room category except Suite or higher

Unlimited Restoration for all Sum Insureds for unrelated illness, injury

Guaranteed inflation protection with cumulative bonus booster option up to 200%

Health Maintenance Benefit (HMB) to cover out-patient expenses up to ₹ 2000

Maternity, New-Born expenses coverage (₹ 15,000 for normal delivery and ₹ 25,000 for C-Section per event, max 2 events ) and Vaccination coverage . (For female insured aged 18-45 years after a Waiting period 48 months)

Worldwide protection up to full sum insured in case of emergency

Dedicated preventive health benefit with Medical Check-up and wellness programs

Healthy Rewards points up to 20% of premium to redeem as HMB/renewal discount

Option to avail Hospital Daily Cash benefit up to ₹ 2000 per day for miscellaneous expenses

25% discount on covering 2 and more family members under the same policy under Individual policy option

Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection

Critical Illness Add-on Cover for financial assistance towards medical expenses for life threating conditions (subject to survival period)


Refer Brochure for more details on benefits.

What’s covered

  • Hospitalization cover from ₹ 4.5 Lacs – ₹ 50 Lacs
  • 546 Day Care Treatment covered up to full SI
  • Pre-Hospitalisation cover (up to 60 days)
  • Post-Hospitalisation cover (up to 180 days)
  • Maternity and new born expenses covered up to ₹ 15000 for normal and ₹ 25000 for C-section per event, max 2 events; 1st year vaccination expenses also covered (waiting period applies)
  • Coverage available for any hospital room except suite or higher
  • Ambulance expenses up to ₹ 3000 per event
  • Cumulative Bonus: Guaranteed 10%, Max - 200% of SI
  • Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
  • Health maintenance benefit of up to ₹ 2000
  • Worldwide emergency cover up to full SI
  • Donor expenses covered up to full SI
  • In-patient hospitalization for AYUSH cover
  • Treatment at home covered up to SI
  • Medical check-up available each policy year (excluding the first year)
  • Expert opinion on critical illness
  • Healthy rewards

What’s not covered

  • Dental treatment
  • Circumcision
  • Birth control procedures, contraceptive supplies and services
  • Routine medical check-up and diagnostic tests
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Cosmetic surgery except reconstructive surgery for burns and accidents
  • Any form of non-allopathic treatment unless specifically covered under the policy
  • Any robotic or remote surgery
  • Any amount which falls under the deductible or co-pay
  • Non-Medical Expenses Listed as per IRDA



    Above List is only indicative and not exhaustive and does NOT apply to Health Maintenance Benefits
Deductible

We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal.

Hospital Daily Cash

Provides a fixed daily cash benefit of ₹ 2000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.

Voluntary Co-pay

This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan.
Voluntary co-pay and Deductible cannot be opted under the same plan

Waiver of Mandatory Co-pay

You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.

Reduction in Maternity Waiting Period

You have the option to reduce the maternity waiting period from 48 to 24 months with additional premium

Cumulative Bonus Booster

You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.

Riders

Add-on Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

No Limit (Children up to the age of 23 can be covered under the family floater plan)

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered:

Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)

ProHealth Preferred

Perfect for couples who have or are planning kids, ProHealth Preferred ensures you are well covered, especially when you need a little more of everything.

Ped Waiting Period

2 years

Sum Insured

15Lacs - 50 Lacs

Sum Insured

15 Lacs

15 Lacs

50 Lacs

PREMIUM PER ANNUM

39,350* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year

Proposal may be subject to underwriting review

Choice of high sum insured of ₹ 15, ₹ 30 & ₹ 50 Lacs

Choice of any hospital room category except Suite or higher

Unlimited Restoration for all Sum Insureds for unrelated illness, injury

Health Maintenance Benefits (HMB) up to ₹ 15000 to cover out patient expenses

Guaranteed inflation protection with cumulative bonus (max accumulation up to 200% of SI)

Maternity and new born expenses (covered up to ₹ 50K for Normal delivery & ₹ 1 Lac for C-section per event, max 2 events) and Vaccination coverage (For female insured aged 18-45 years after a Waiting period 48 months)

Worldwide protection up to full sum insured in case of medical emergency

Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment

Dedicated preventive health benefits with Medical Check-up and Wellness Programs

Option to avail hospital daily cash up to ₹ 3000 per day to cover miscellaneous expenses

10% discount on covering 2 and more family members under the same policy under Individual policy option

Critical Illness Add-on Cover for financial assistance towards medical expenses for life threating conditions (subject to survival period)

Refer Brochure for more details on benefits.

What’s covered

  • Hospitalization cover from ₹ 15 Lacs – ₹ 50 Lacs
  • 546 Day Care Treatment covered up to full SI
  • Pre-Hospitalisation cover (up to 60 days)
  • Post-Hospitalisation cover (up to 180 days)
  • Maternity and new born expenses covered up to ₹ 50000 for normal; ₹ 1 Lac for C-section per event, max 2 events; 1st year vaccination expenses also covered (waiting period applies)
  • Covers any hospital room except suite or higher
  • Ambulance expenses fully covered
  • Cumulative Bonus: Guaranteed 10%, Max - 200% of SI
  • Unlimited times of Restoration with 100% additional SI for unrelated illness, injury
  • Health maintenance benefit covered up to ₹ 15000
  • Worldwide emergency cover up to full SI
  • Donor Expenses covered up to full Sum Insured
  • In-patient Hospitalization for AYUSH cover
  • Treatment at home covered up to Sum Insured (Domiciliary cover)
  • Medical check-up available each policy year (excluding the first year)
  • Expert opinion on critical illness
  • Healthy rewards

What’s not covered

  • Dental treatment
  • Circumcision
  • Birth control procedures, contraceptive supplies and services
  • Routine medical check-up and diagnostic tests
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Cosmetic surgery except reconstructive surgery for burns and accidents
  • Any form of non-allopathic treatment unless specifically covered under the policy
  • Any robotic or remote surgery
  • Any amount which falls under the deductible or co-pay
  • Non-Medical Expenses Listed as per IRDA



    Above List is only indicative and not exhaustive and does NOT apply to Health Maintenance Benefits
Reduction in Maternity Waiting Period

You have the option to reduce the maternity waiting period from 48 to 24 months.

Hospital Daily Cash

Provides a fixed daily cash benefit of ₹ 3000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.

Waiver of Mandatory Co-pay

You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.

Cumulative Bonus Booster

You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.

Riders

Add-on Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

No Limit (Children up to the age of 23 can be covered under the family floater plan)

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)

ProHealth Premier

Perfect for people who want the best healthcare for their families, ProHealth Premier is a high-end health care plans that provides complete cover for all your health needs.

Ped Waiting Period

2 yrs

Sum Insured

1 Crore

Sum Insured

₹ 1 Crore

PREMIUM PER ANNUM

63,029* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year

Proposal may be subject to underwriting review

Comprehensive coverage with high sum insured of ₹ 1 Crore.

Choice of any hospital room category except Suite or higher.

Unlimited Restoration for all Sum Insureds for unrelated illness, injury.

Health Maintenance Benefits (HMB) up to ₹ 15000 to cover out patient expenses.

Guaranteed inflation protection with cumulative bonus booster option (max accumulation up to 200% of SI).

Maternity and new born expenses (covered up to ₹ 1 Lac for Normal delivery & ₹ 2 Lac for C-section per event, max 2 events) and Vaccination coverage. (For female insured aged 18-45 years after a Waiting period 48 months)

Worldwide protection up to full sum insured in case of medical emergency.

Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment.

Dedicated preventive health benefits with Medical Check-up and Wellness Programs.

Option to avail hospital daily cash up to ₹ 3000 per day to cover miscellaneous expenses.


Refer Brochure for more details on benefits.

10% discount on covering 2 and more family members under the same policy under Individual policy option.

What’s covered

  • Hospitalization cover of ₹ 1 Crore.
  • 546 Day Care Treatment covered up to full Sum Insured
  • Pre-Hospitalisation cover (up to 60 days)
  • Post-Hospitalisation cover (up to 180 days)
  • Maternity and new born expenses covered up to ₹ 1 Lac for normal; ₹ 2 Lac for C-section (per event) max 2 events; 1st year vaccination expenses also covered (waiting period applies)
  • Coverage available for any hospital room except suite or higher
  • Ambulance expenses fully covered
  • Cumulative Bonus: Guaranteed 10%, Max - 200%
  • Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
  • Health maintenance benefit option of up to ₹ 15000
  • Worldwide emergency cover up to full SI
  • Donor Expenses covered up to full Sum Insured
  • In-patient hospitalization for AYUSH cover
  • Treatment at home covered up to Sum Insured (Domiciliary cover)
  • Medical check-up available each policy year (excluding the first year)
  • Healthy Rewards

What’s not covered

  • Dental treatment
  • Circumcision
  • Birth control procedures, contraceptive supplies and services
  • Routine medical check-up and diagnostic tests
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Cosmetic surgery except reconstructive surgery for burns and accidents
  • Any form of non-allopathic treatment unless specifically covered under the policy
  • Any robotic or remote surgery
  • Any amount which falls under the deductible or co-pay
  • Non-Medical Expenses Listed as per IRDA



    Above List is only indicative and not exhaustive and does NOT apply to Health Maintenance Benefits
Reduction in Maternity Waiting

You have the option to reduce the maternity waiting period from 48 to 24 months

Hospital Daily Cash

Provides a fixed daily cash benefit of Rs 3000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.

Walver of Mandatory Co-pay

You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

No Limit (Children up to the age of 23 years can be covered under the family floater plan)

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)

ProHealth Accumulate

Ensuring quality health care along with a financial solution for daily health needs, ProHealth Accumulate provides a comprehensive plan that focuses on costs incurred both in and out of hospital .

Ped Waiting Period

3 years

Sum Insured

5.5Lacs - 50 Lacs

Sum Insured

7.5 Lacs

5.5 Lacs

50 Lacs

PREMIUM PER ANNUM

18,278* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Zone – 1, Cover type – Family Floater ( 2 adults), Tenure- 1 year

Proposal may be subject to underwriting review

Choice of high sum insured of ₹ 5.5 Lacs to ₹ 50 Lacs

Unlimited Restoration for all Sum Insureds for unrelated illness, injury

Health Maintenance Benefits (HMB) can also be utilised up to 50% towards payment of premium from 1st renewal & onwards

Guaranteed inflation protection with cumulative bonus booster option (max accumulation up to 200% of SI)

Worldwide protection up to full sum insured in case of medical emergency

Dedicated preventive health benefits with Medical Check-up and Wellness Programs

Healthy Reward points up to 20% of premium to redeem as Health Maintenance Benefit (HMB)/utilize towards renewal premium payment

Option to avail Hospital Daily cash benefit up to ₹ 1000 per day for miscellaneous expenses

Option of reducing premium with deductible up to ₹ 10 Lacs with comprehensive benefits to top-up existing health protection

10% discount on covering 2 and more family members under the same policy under Individual policy option

Critical Illness Add-on Cover towards medical expenses for life threating conditions (subject to survival period)

Refer Brochure for more details on benefits.

What’s covered

  • Hospitalization cover from ₹ 5.5 Lacs – ₹ 50 Lacs
  • 546 Day Care Treatment covered up to full Sum Insured
  • Pre-Hospitalisation cover (up to 60 days)
  • Post-Hospitalisation cover (up to 90 days)
  • Ambulance expenses up to ₹ 2000 per event
  • Room rent covered up to single private room up to SI ₹ 5.5 Lacs, SI ₹ 7.5 Lacs & above-any room except suite or higher.
  • Cumulative Bonus: Guaranteed 5%, Max-200% of SI.
  • Unlimited times of Restoration with 100% additional Sum Insured for unrelated illness, injury
  • Health maintenance benefit of ₹ 5000, ₹ 10000, ₹ 15000, ₹ 20000 (as opted) for out-patient expenses and more
  • Worldwide emergency cover up to full SI
  • Donor Expenses covered up to full Sum Insured
  • In-patient Hospitaliztion of AYUSH cover
  • Expert opinion on critical illness
  • Treatment at home covered up to Sum Insured (Domiciliary cover)
  • Medical check-up available once every 3rd policy year
  • Healthy Rewards

What’s not covered

  • Dental treatment
  • Circumcision
  • Birth control procedures, contraceptive supplies and services
  • Routine medical check-up and diagnostic tests
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Cosmetic surgery except reconstructive surgery for burns and accidents
  • Any form of non-allopathic treatment unless specifically covered under the policy
  • Any robotic or remote surgery
  • Any amount which falls under the deductible or co-pay
  • Non-Medical Expenses Listed as per IRDA



    Above List is only indicative and not exhaustive and does NOT apply to Health Maintenance Benefits
Deductible

We provide an option to select a Deductible as per the plan. The deductible amount will apply on the sum of all admissible claims in that year. This means that from your claims (should any be arising), you choose to pay the deductible amount either out of your own pocket, or with the aid of an existing Health Insurance policy. You can also go for Waiver of Deductible within or after 48 months of continuous coverage by paying additional premium as applicable on renewal.Voluntary co-pay and Deductible cannot be opted under the same plan

Hospital Daily Cash

Provides a fixed daily cash benefit of Rs 1000 for every continuous and completed 24 hours of hospitalization that will help you take care of out of pocket expenses. The benefit will be available up to 30 days per Policy Year.

Voluntary Co-pay

This option (when exercised), would mean that you choose to pay the first 10/20% of the claim and the balance would be covered by your plan.
Voluntary co-pay and Deductible cannot be opted under the same plan

Waiver of Mandatory Co-pay

You have the option to remove the mandatory co-pay applicable for persons aged 65 years and above.

Cumulative Bonus Booster

You have an option to increase policy Sum insured with 25% Cumulative Bonus every year irrespective of the claim. Maximum accumulation is up to 200% of Sum insured. This benefit is available in place of Cumulative Bonus.

Riders

Add-on Cover: Covers listed 11 Critical Illnesses Available on payment of additional premium

Min Entry Age

Child - 91 days, Adult - 18 years

Cover Type

Individual and Family Floater

Max Entry Age

No Limit (Children up to the age of 23 years can be covered under the family floater plan)

Policy Period

1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered

Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more. (Please download product brochure for more details)

Plan Comparison

PLAN NAME ProHealth
Protect
ProHealth
Plus
ProHealth
Preferred
ProHealth
Premier
ProHealth
Accumulate
Premium 10,033/ annum 15,307/ annum 39,350/ annum 63,029/ annum 18,278/ annum
Sum Insured 2.5 - 50 Lacs 4.5 - 50 Lacs 15 - 50 Lacs 1 Crore 5.5 - 50 Lacs
Hospital Daily Cash Benefits
[Optional Cover]
1,000 2,000 3,000 3,000 1,000
Cumulative Bonus Booster
[Optional Cover]
25% increase in sum insured per year 25% increase in sum insured per year 25% increase in sum insured per year N.A. 25% increase in sum insured per year
Reduction in Maternity Waiting
[Optional Cover]
N.A. Reduced from 48 to 24 months Reduced from 48 to 24 months Reduced from 48 to 24 months N.A.
Deductible
[Optional Cover]
1 - 10 Lacs 1 - 10 Lacs N.A. N.A. 0.5 - 10 Lacs
Voluntary Co-pay
[Optional Cover]
10% or 20% 10% or 20% N.A. N.A. 10% or 20%
Waiver of Mandatory Co-pay [Optional Cover] 20% for people aged 65 years and above 20% for people aged 65 years and above 20% for people aged 65 years and above 20% for people aged 65 years and above 20% for people aged 65 years and above
Cumulative Bonus Gauranteed 5% Max up to 200% Gauranteed 10% Max up to 200% Gauranteed 10% Max up to 200% Gauranteed 10% Max up to 200% Gauranteed 5% Max up to 200%
Health Checkup (for all insured aged 18 years & above) Available once every 3rd policy year Available each policy year (excluding the 1st year) Available each policy year (excluding the 1st year) Available each policy year (excluding the 1st year) Available once every 3rd policy year
Meternity Expense N.A. 15,000 for normal 25,000 for C Section 50,000 for normal 1 Lacs for C Section 1 for normal 2 Lacs for C Section N.A.
New Born Baby Expenses N.A. Covered with Maternity expense Covered with Maternity expense Covered with Maternity expense N.A.
Ambulance Expense Upto 2000 per event Upto 3000 per event Actual expenses per event Actual expenses per event Upto 2000 per event
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Got Questions?

What are the details to be provided at the time of intimation of claim?

The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.

Super Top Up

Other product with Hospitalisation Cover

Super Top UP

Hospitalisation Cover

Sum Insured upto ₹ 3 Lacs - ₹ 30 Lacs

The added boost that keeps you covered above and beyond your health plan.

Best suited for

Individual

Individual

Family

Family

Multi Individual

Multi Individual

Key Benefits

PHI Key Benefits
Cashless treatment at 6500+ hospitals

Option to choose any room category
Option to choose any room category

All Day Care treatments covered
All Day Care treatments covered

Send me an Expert