New Delhi: ManipalCigna Health Insurance Company Limited has forayed into cashless OPDs with the launch of ManipalCigna ProHealth Prime, offering day-to-day health expenses like consultation charges, scheduled diagnostic tests and pharmacy expenses.
According to the company, in India, around 65% of health care expenses are out-of-pocket expenses, which are not covered by most of the health insurance policies in the market. To help reduce such expenses, ManipalCigna will offer ProHealth Prime policy holders 20,000, 30,000 or 50,000 per policy year, to cover outpatient expenses including dentistry, vision, physical therapist consultation charges, prescribed medicines etc.
“Cashless OPD cover is especially beneficial for those who have out-of-pocket expenses or parents whose children or young children suffer from ailments that require over-the-counter medicines or get tested frequently . These expenses add up a lot, but go unnoticed on most health insurance plans. Thus people who require regular OPD consultations can greatly benefit from a health insurance plan that helps cover their OPD expenses on a cashless basis and lets you stay fit with simplified wellness offerings, Prasoon Sikdar, Managing Director and CEO, ManipalCigna Health Insurance said.
ManipalCigna ProHealth Prime offers the following OPD benefits:
Annual health checkup from first year
Doctor Consultation – Physical with 6000+ doctors, 16+ major consulting specialties, both hospital and clinic based network
Determined clinical expenses in 20+ chains and individual centers for all major laboratory tests
1.60 lakh+ fixed pharmacy expenses for pharmaceutical items in 27,105 lakh pin-codes in 2890 cities, and store pick-up in 570+ cities
Unlimited Tele Consultation
Reward points up to 20% on renewal premium to get daily step count
Second opinion for the 36 listed critical illnesses
situation management program
Discounts on prescribed drugs, lab tests and health supplements
To avail these OPD benefits, policyholders need to book cashless services for themselves and their dependents on ManipalCigna App.
One cover for a comprehensive health insurance hospitalization cover under ManipalCigna ProHealth Prime with 5 lakh 20,000 for OPD coverage on cashless basis for consultation, diagnosis and pharmacy expenses for 35 year old male will be available for payment of premium 9,783, inclusive of GST across cities as per the insurer.