Mr.

hasmukh patel 8128152287 Mumbai-400001 Self (36 Yrs) , Spouse (33 Yrs) , Son (3-6 Months Yrs) , Daughter (4 Yrs)

ManipalCigna ProHealth Protect Active Assure Diamond CARE-With NCB Super

Sum Insured ₹10,00,000 ₹10,00,000 ₹10,00,000

Premium ₹24,532 ₹24,735 ₹26,085

ADDON BENEFITS
Regular Medical Expenses ( OPD ) Maximum upto Rs.500 covered under "Health Maintenance Benefit" Not Available Covered (Optional)

Daily Hospitalization Allowance Rs.1000 per day max up to 30 Days (Optional) For SI up to 4 Lacs : Rs.500 per day up to max 5 days SI: 3 & 4 Lacs: Rs.500 per day upto max 5 days

for SI 2 - 4 lacs : 15,000 for SI 5 - 10 lacs : 20,000 for SI 15 - 40

lacs : 30,000 for SI 50 - 75 lacs : 40,000 for SI 1 Crore - 2 Crores :
Ayurveda/Homeopathy In-hospital treatment covered upto SI 50,000 Covered

Critical Illness Benefit Covered (Optional) Not Available Only on Hospitalization

Second E-Opinion On Critical Illness Available Available on 15 CI Available, Once a year on 15 CI

Bariatric Surgery Not Available Not Available Not Available

COVERAGE TERM
Pre-Existing Diseases After completion of 4 years of policy term After completion of 4 years of policy term After completion of 4 years of policy term

10% of SI every claim free years, subject to maximum 50% of SI

(Optional Cover - Super NCB is available on extra premium 60% of
SI for 1st and 2nd claim free year; 10% of SI for 3rd, 4th & 5th 60% of SI for 1st and 2nd claim free year; 10% of SI for 3rd, 4th &
Bonus On Claim-Free-Year 5% of SI irrespective of claim, subject to maximum 200% of SI claim free year, subject to maximum 150% of SI) 5th claim free year, subject to maximum 150% of SI

Multiple Times in a policy year for unrelated illness in addition to the Recharge Available - Once in a policy year for unrelated illness in
Reload of Sum Insured Sum Insured Upto 150% of SI, Max up to 50 Lacs addition to the Sum Insured

(Optional) Recharge Available - UNLIMITED in a policy year for

Unlimited Restoration Covered (Optional) on paying extra premium unrelated illness in addtion to the Sum Insured

Day Care Treatments 540+ Day Care Treatments 586 Day Care Treatments 540+ Day Care Treatments

Mandatory Co-payment 20% of claim by customer if age is above 65 years Mandatory 20% Co-Payment : For age of entry at 61 yrs and above 20% of claims by customer; if age is above 60 years at first policy

Waiver Of Mandatory Co-payment Covered (Optional) Not Available Not Available

SI: 3 & 4 Lacs: upto Rs.50,000; SI: 5 - 10 Lacs: upto Rs.1,00,000;

SI: 15 - 40 Lacs: upto Rs.2,00,000; SI: 50 - 75 Lacs: upto
Organ Donor Coverage Covered Covered up to SI Rs.3,00,000

EMERGENCY COVERAGE
SI: 3 & 4 Lacs: upto Rs.1,500; SI: 5 - 10 Lacs: upto Rs.2,000; SI: 15
for SI 2 - 4 lacs : 1,500 for SI 5 - 10 lacs : 2,000 for SI 15 - 40 lacs : - 40 Lacs: upto Rs.2,500; SI: 50 - 75 Lacs: upto Rs.3,000 per
Ambulance Charges Covered upto Rs.2,000 2,500 for SI 50 - 75 lacs : 3,000 for SI 1 Crore - 2 Crores : 5,000 hospitalisation

Only for 12 Critical Illness (as mentioned in policy wordings) SI: 50,
Worldwide Emergency Available, Once in a policy Year Available as Emergency Assistance Services only 60 & 75 Lacs

Air Ambulance Not Available Available as Emergency Assistance Services only Covered (Optional on Extra premium)

HEALTH MAINTENANCE PROGRAM

Health Checkup Available after 3 years Once every year; starting first year Once every year

HOSPITALISATION CARE
For SI up to 5.5 Lacs : Single Private Room; For SI 7.5 Lacs and for SI 2 - 4 lacs : 1% of SI per day; for SI 5 : Single Private A/C
Hospital Room Eligibility Above : Any Room Category except Suite or higher category Room; for SI 7 lacs and above : No Sublimit (Any Room) SI: 4 Lacs: 1% of SI per Day; SI: 5-75 Lacs: Single Private Room

Pre-Hospitalization Medical Expenses 60 days 30 days 30 days

Post-Hospitalization Medical Expenses 90 days 60 days 60 days

for SI 2 - 4 lacs : 2% of SI per day; for SI 5 lacs and above : Up to

ICU Charges No Sublimits SI SI:3 & 4 Lacs: 2% of SI; 5 Lacs & above: No Limit

Domiciliary(Home) Hospitalisation No Sublimits Up to 10% of SI 10% of SI covered for treatment exceeding 3 days

INFORMATION
Waiting Period 30 Days from Policy Issuance Date 30 Days from Policy Issuance Date 30 Days from Policy Issuance Date

Pre-Medical Checkup (Age) 55 years and above 50 years and above or 25 lacs & above SI 61 years and above or 50 lacs & above SI

MATERNITY COVERAGE
Maternity Expenses Not Available Not Available Covered for SI 50 Lacs and above

New Born Baby Expenses Not Available Not Available Not Available

Vaccination Expenses Not Available Not Available Not Available

Note : This feature comparison is indicative please refer to policy wording for proper understanding