Choosing the right health insurance plan is no longer just about hospitalization coverage—it’s about flexibility, affordability, and added features that benefit the entire family. Among the many options available, the Manipal CIGNA ProHealth Accumulate Plan stands out for its discounts, family-focused features, and long-term financial benefits.
At Quickinsure, we believe in helping you not just pick a policy, but understand it inside out. This article walks you through the family benefits, discount opportunities, and special features that make the ProHealth Accumulate Plan a smart choice.
Why Families Prefer ProHealth Accumulate
Health insurance today needs to cover not only medical emergencies but also routine health expenses. The ProHealth Accumulate Plan does this by offering:
Wide sum insured options ranging from ₹5.5 lakh to ₹50 lakh.
Outpatient (OPD) coverage through Health Maintenance Benefits.
Worldwide emergency coverage for peace of mind during travel.
Lifetime renewability, ensuring you’re protected at every age.
For families, this plan offers the flexibility of family floater coverage, where a single sum insured is shared among all insured members. This reduces costs compared to buying individual policies for each family member.
Family-Friendly Features of ProHealth Accumulate
1. Family Floater Option
Instead of buying multiple policies, families can opt for one policy that covers:
Self
Spouse
Dependent children up to 23 years
Parents (if opted)
👉 This means lower premiums while ensuring everyone in the family gets the same level of protection.
2. No Maximum Entry Age
Unlike some health insurance policies that restrict entry after a certain age, ProHealth Accumulate allows anyone to be covered, regardless of age. This makes it suitable for joint families, where children, parents, and even grandparents can all be included.
3. Worldwide Emergency Cover
Medical emergencies can strike even when traveling abroad. This plan provides coverage for emergencies outside India, giving families a sense of global security.
4. Health Maintenance Benefits (HMB)
Families often spend money on OPD visits, consultations, and routine medicines. With HMB:
Coverage between ₹5,000 – ₹20,000 annually (as per the option chosen).
Can be used for diagnostic tests, pharmacy bills, and outpatient treatments.
Unused HMB can accumulate and be used for renewal premiums.
This makes the plan especially practical for families with children or elderly parents who frequently require OPD care.
5. Unlimited Restoration Benefit
Families benefit from the automatic restoration of the sum insured up to 100% if it gets exhausted. Even if one family member uses the coverage, the benefit restores for others—ensuring everyone stays protected throughout the policy year.
6. Cumulative Bonus
Families who don’t make a claim can enjoy a 5% annual increase in their sum insured.
This continues until the sum insured doubles (up to 200%).
👉 In simple terms, families who stay healthy and don’t claim can get double coverage at no extra cost over time.
7. AYUSH & Alternative Treatment Cover
Families who prefer Ayurveda, Yoga, Unani, Siddha, or Homeopathy treatments can claim expenses under this policy. This widens healthcare options for different family preferences.
Discount Benefits with ProHealth Accumulate
Manipal CIGNA ensures that families and policyholders enjoy cost savings through various discount structures. Let’s look at the major ones:
1. Family Discount
If you insure more than one family member under the same policy, you can get up to a 10% discount on premiums.
Bigger families opting for a floater plan stand to save more compared to individual policies.
2. Long-Term Policy Discount
Families opting for 2-year or 3-year policy terms instead of a 1-year plan enjoy long-term discounts.
This not only saves money but also protects against premium hikes during the policy period.
3. Healthy Rewards Program
Policyholders earn reward points for maintaining good health through regular check-ups, fitness activities, or preventive care.
These points (up to 20% of the premium) can be used:
To pay renewal premiums
Or to avail Health Maintenance Benefits
👉 Families that focus on wellness can practically lower their insurance costs year after year.
4. Tax Benefits under Section 80D
Premiums paid for self, spouse, children, and parents are eligible for tax deduction under Section 80D of the Income Tax Act.
Families covering senior citizens can claim higher deductions, reducing the overall tax burden.
Why Quickinsure Recommends This Plan
At Quickinsure, we regularly compare health insurance plans across insurers. The ProHealth Accumulate Plan stands out for families due to:
Affordable premiums + discounts that help save costs.
Family floater coverage with no entry age limit.
Practical benefits like OPD, cumulative bonus, and restoration.
Flexibility in coverage (₹5.5 lakh – ₹50 lakh), making it suitable for both small and large families.
Unlike many standard health insurance products, this plan does not just cover hospitalization but also ensures that everyday health expenses are taken care of—making it family-friendly in the truest sense.
FAQs on ProHealth Accumulate – Discounts & Family Features
Q1. Can I cover my parents and children in the same policy?
Yes, ProHealth Accumulate allows coverage for spouse, children up to 23 years, and even parents, under one floater plan.
Q2. What is the maximum discount I can get?
By combining family discount, long-term discount, and healthy rewards, you can save significantly—sometimes up to 20–25% of the effective premium.
Q3. If I don’t use Health Maintenance Benefits, do I lose them?
No, unused HMB can be carried forward and even used for paying renewal premiums in the future.
Q4. How does the restoration benefit help families?
If one family member exhausts the sum insured, it automatically gets restored for use by another member, ensuring no one is left without coverage.
Q5. Does the plan cover maternity or newborn expenses?
The ProHealth Accumulate variant does not cover maternity, but other ProHealth variants (like ProHealth Plus or Preferred) do.
Final Thoughts
The ManipalCigna ProHealth Accumulate Plan, available via Quickinsure, is more than just a health insurance policy—it’s a family health shield that ensures affordability, flexibility, and practical everyday healthcare support.
With family floater benefits, multiple discounts, healthy rewards, and OPD coverage, this plan is particularly useful for families with children, working parents, and elderly members.
At Quickinsure, we advise families to consider this plan if they’re looking for comprehensive yet budget-friendly health insurance that adapts to every life stage.
