quickinsureindia

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Quickinsure – Fully Customizable United India Two Wheeler Insurance

Quickinsure ensures your United India two wheeler insurance adapts to your needs with customizable add-ons like Return to Invoice and Engine & Gearbox Protection ([Quick Insure][1]). These options aren’t one-size-fits-all—they’re tailored. Two wheeler insurance should reflect your bike and circumstances. Quickinsure helps you build the right policy, every time.

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https://quickinsure.co.in/products/two-wheeler-insurance/the-new-india-assurance-two-wheeler-insurance

Quickinsure highlights that New India Assurance two wheeler insurance includes personal accident cover for the owner-driver and even covers pillion riders if you add the accessory. Compensation is provided in case of disability or death. Quickinsure makes sure your protection goes beyond your bike. This two wheeler insurance ensures rider security—as explained clearly by Quickinsure.

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Quickinsure – Bajaj Allianz Health Insurance with Maternity Cover

Quickinsure highlights Bajaj Allianz health insurance that includes maternity and newborn benefits. It also covers organ donor expenses and advanced medical care. Quickinsure guides you to select the best plan for family needs. Health insurance for every stage of life is made simple. Protect your family’s future with Quickinsure.

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Quickinsure – National Bike Insurance Renewal with Add-On Protection

Quickinsure helps you upgrade coverage during National bike insurance renewal with useful add-ons. You can choose zero depreciation, engine protection, or roadside assistance for better protection. Two wheeler insurance becomes more valuable when customized to your needs. Quickinsure guides you through every step for smarter coverage. Renew today and enjoy total peace of mind on the road.

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HDFC ERGO Health Insurance – Quickinsure Highlights Family Coverage

With Quickinsure, you can secure your loved ones under one HDFC ERGO health insurance policy. Family floater options make coverage affordable and simple. The plan protects against rising medical expenses and provides cashless hospitalization. Quickinsure helps you compare benefits and premiums before buying. Health insurance for the whole family is convenient with Quickinsure.

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Aarogyasri Telangana – Quickinsure Simplifies Health Insurance Benefits

The Aarogyasri Telangana health insurance program ensures free treatment for serious diseases like kidney failure, heart surgery, and neurological disorders. Quickinsure breaks down how it works, making it easy for families to understand. All beneficiaries get access to a wide network of hospitals without paying premiums. The scheme also includes post-hospitalization follow-up care. Quickinsure ensures you know all about this essential health insurance.

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United India Top-Up & Super Top-Up – More Health Insurance Protection

United India Insurance offers Top-Up and Super Top-Up health insurance plans to increase your coverage beyond your base policy. These policies activate only after your primary insurer’s limit is reached, adding an extra financial safety net. They’re great options if you anticipate high medical costs or want extra peace of mind. With Top-Up options under United India Health Insurance, you stay protected even when costs spike.

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QuickInsure Two-Wheeler Insurance – Affordable Coverage for Every Rider

With QuickInsure Two-Wheeler Insurance, you get affordable protection for your bike. The policy safeguards you from theft, accidents, and natural damages. Just like health insurance , it reduces your financial burden in emergencies. QuickInsure lets you compare multiple insurers before purchase. Get maximum coverage at the best price with ease.

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The Oriental Insurance Super Health Top-Up – Enhanced Health Insurance Layer

The Super Health Top-Up policy by The Oriental Insurance acts as a strategic health insurance add-on that activates when your base policy's sum insured is exceeded. With coverage from ₹3 lakh to ₹30 lakh, it includes maternity, newborn, mental health, and advanced treatments like robotic surgeries. Lifelong renewable and extendable beyond age 70, it provides extra protection without redundant overlap. Ideal for high-cost scenarios, this health insurance plan ensures you’re covered beyond basic limits.

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New India Assurance Health Insurance – Pre-Existing Disease Cover with Health Check-Ups

New India Assurance Health Insurance offers thoughtful long-term benefits, including coverage for pre-existing ailments after four years and free health check-ups after three claim-free years. This health insurance approach rewards healthy behavior and ensures you receive ongoing preventive care. Backed by CRISIL’s AAA/Stable rating and a robust national presence with 3,000+ offices, heatlh insurance from New India Assurance delivers both security and convenience. Combined with a massive network of cashless hospitals and claim assistance, it ensures care is within reach when you need it most. It’s health insurance that looks after you today—and tomorrow.

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Star Health Young Star Insurance – Gold Plan Health Insurance with Maternity Benefits

Upgrade to the Gold Plan of Star Health Young Star Insurance by Star Health to unlock exclusive maternity health insurance benefits. Star Health Young Star Insurance Gold covers delivery expenses (including caesarean) up to ₹30,000 and offers hospital cash benefit of ₹1,000 per day for up to 7 days per hospitalization. Alongside standard hospitalization benefits, the Gold Plan enriches your health insurance with extra financial support. Also included are restoration, bonuses, and wellness discounts for continuous coverage. Ideal for growing families, Star Health Young Star Insurance Gold balances health, convenience, and care.

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Quickinsure Reveals: Save More on Premiums with HDFC ERGO Own-Damage Add-ons & No-Claim Bonus

When it comes to safeguarding your bike,  HDFC ERGO Standalone Own-Damage Bike Insurance is one of the most trusted choices in India. Unlike third-party insurance, which is mandatory by law but limited in coverage, the own-damage policy protects your vehicle from risks like accidents, theft, fire, and natural calamities.

However, many riders often wonder: “How can I reduce my premium without compromising on coverage?”  The answer lies in smart planning with add-on covers and the No-Claim Bonus (NCB) . At Quickinsure, we help bike owners explore these money-saving options while still enjoying robust protection.

This article dives deep into how  HDFC ERGO Own-Damage Add-on and  No-Claim Bonus benefits work together to maximize savings on your two-wheeler insurance premiums.

   Why HDFC ERGO Standalone Own-Damage Policy Matters

Before we explore savings, let’s understand the policy’s role:

   Coverage beyond mandatory third-party insurance – It protects your bike against damage.

   Wide protection scope  – Fire, theft, natural calamities (flood, earthquake, cyclone), and man-made incidents (vandalism, riots).

   Financial cushion  – Helps avoid high out-of-pocket expenses in case of accidents.

   Customization with add-on  – Flexibility to enhance your coverage.

�� In short, this policy ensures that you don’t just follow the law but also protect your financial stability.

   What are the Add-On Covers in HDFC ERGO Own-Damage Bike Insurance?

Add-on are optional covers you can purchase at a small additional cost. They enhance the scope of your insurance by protecting against specific risks not covered under the standard own-damage plan.

Popular Add-Ons You Should Consider

Zero Depreciation Cover (Nil Depreciation)

Ensures full claim settlement without factoring in depreciation of bike parts.

Best for new bikes or high-end models.

Return-to-Invoice (RTI) Cover

If your bike is stolen or total loss occurs, you get the original invoice value, not just the depreciated value.

Helpful for expensive or recently purchased bikes.

Engine Protect Cover

Covers engine damage caused by water aggression or oil leakage (not usually covered in standard insurance).

Essential for areas prone to floods.

Consumables Cover

Covers the cost of nuts, bolts, engine oil, and other small items not usually covered.

Prevents minor repair costs from digging into your pocket.

Roadside Assistance Cover

24x7 help for flat tires, towing, battery jump-start, and emergency fuel supply.

Perfect for long-distance riders and daily commuters.

No-Claim Bonus Protection

Allows you to retain your NCB discount even after making a small claim.

Best for those who want to keep long-term premium savings intact.

Key Protect Cover

Covers expenses related to lost or damaged bike keys.

How Add-Ons Help You Save on Premiums

While add-on do increase your premium slightly, they save you big money during claims. For example:

A Zero Depreciation add-on could cost a few hundred rupees, but it saves thousands during repairs since no depreciation is deducted.

Engine Protect prevents costly engine replacement bills that could run into tens of thousands.

NCB Protection secures long-term savings by ensuring your No-Claim Bonus continues.

�� Think of add-on as small investments for big savings.

What Is No-Claim Bonus (NCB) in HDFC ERGO Bike Insurance?

No-Claim Bonus is a reward you get from the insurer for not making any claims during your policy term. It reduces your premium at renewal time.

How NCB Works

After 1 claim-free year → 20% discount on premium.

After 2 claim-free years → 25% discount.

After 3 claim-free years → 35% discount.

After 4 claim-free years → 45% discount.

After 5 claim-free years → 50% discount (maximum limit).

�� Example: If your annual own-damage premium is ₹4,000, after 5 claim-free years, it could drop to just ₹2,000 with NCB.

Smart Ways to Save More on Premiums with Quickinsure

Here’s how you can combine HDFC ERGO add-on and NCB benefits to reduce costs:

1. Use NCB Protection Add-On

Keep your NCB intact even if you make a small claim.

This ensures long-term discounts are not lost.

2. Opt for Multi-Year Policy

HDFC ERGO offers multi-year bike insurance.

Lock in lower premiums and avoid annual hikes.

3. Choose Add-On Wisely

Pick only those add-on that suit your riding style.

Example: If you live in a flood-prone city → Get Engine Protect.

If you use a new premium bike → Go for Zero Depreciation + RTI.

4. Install Safety Devices

Anti-theft devices approved by ARAI can lower your premium.

5. Avoid Small Claims

Pay for minor damages out-of-pocket.

Helps you keep your NCB intact for bigger savings later.

6. Use Quickinsure Online Renewal

Quickinsure compares plans instantly and applies all available discounts.

Hassle-free renewals at the best possible rates.

Quickinsure Advantages for HDFC ERGO Bike Insurance

When you buy or renew your HDFC ERGO Standalone Own-Damage Policy via Quickinsure, you get:

Instant comparison of multiple insurers.

Transparent premium breakdown with NCB discounts highlighted.

Add-on customization – Choose what you need, skip what you don’t.

Fast digital policy issuance – No paperwork, policy delivered instantly.

Expert claims support – Guidance during claim settlement to ensure maximum benefit.

Example Case Study: How Add-Ons + NCB Save Money

Let’s take an example of Rahul, a bike owner in Mumbai.

Base own-damage premium: ₹5,000

Selected Add-on: Zero Depreciation (₹800), Engine Protect (₹500), NCB Protection (₹400) → Total Add-on = ₹1,700

Total premium with add-on: ₹6,700

Now, Rahul avoids claims for 3 years. His NCB = 35% → Discount of ₹2,345 on premium.

So, his renewal premium reduces significantly, and during floods, his Engine Protect add-on saved him ₹18,000 in repair costs.

�� Net result: Huge savings in both premiums and claim expenses.

FAQs on HDFC ERGO Own-Damage Add-Ons & NCB

Q1: Can I buy add-on later after purchasing the policy?

Most add-on can only be added during policy purchase or renewal.

Q2: What happens to NCB if I switch insurer?

NCB is transferable across insurers, including when you move via Quickinsure.

Q3: Is NCB applicable on third-party policy?

No, it is only applicable on own-damage or comprehensive policies.

Q4: Can I retain NCB if I sell my bike?

Yes, NCB belongs to the policyholder, not the vehicle. You can transfer it to your new bike policy.

Q5: Which add-on are most popular for HDFC ERGO bike insurance?

Zero Depreciation, NCB Protection, and Roadside Assistance are the top choices.

Final Thoughts

HDFC ERGO Standalone Own-Damage Bike Insurance offers robust protection, but the real savings come when you strategically use add-on and NCB benefits.

With Quickinsure, you not only get guidance on choosing the right mix but also ensure that your premiums stay low while coverage remains high.

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Quickinsure Insights: Religare Care Freedom Diabetic Insurance – A Lifeline for Lifestyle Conditions

For individuals managing lifestyle conditions like diabetes, high blood pressure, or high BMI, finding reliable and affordable health coverage can be a challenge. The Care Freedom Diabetic Insurance plan—offered by Care Health Insurance (formerly Religare Health Insurance) via Quickinsure —aims to change that narrative. Designed with pre-existing conditions in mind, it addresses common healthcare hurdles by combining flexibility, value, and thoughtful coverage enhancements.

 1. Coverage for Pre-Existing Conditions with Minimal Waiting

One of the greatest strengths of the Care Freedom plan is its reduced waiting period of just 24 months for pre-existing conditions like diabetes and hypertension. This shorter waiting time makes crucial treatments accessible earlier than many other plans would allow. Additionally, no pre-policy medical check-ups are required, which simplifies the application process for individuals already under regular medical care.

2. Flexible Plan Design and Lifelong Renewability

Care Freedom is available in individual and family floater formats, offering coverage flexibility. Two plan variants— Plan 1 and Plan 2 —cater to different age groups and needs, with Plan 2 including older adults (entry age starting at 46). Policy tenures of 1, 2, or 3 years provide cost-saving options through multi-year discounts. The policy also includes lifelong renewability, a grace period of 30 days, and a 15-day free-look period —giving policyholders added peace of mind.

 3. Robust Coverage & Sum-Insured Options

Care Freedom offers sum insured options starting at ₹3 lakh and rising to ₹10 lakh.  The plan covers:

*  In-patient hospitalization, including room charges, ICU, surgery, OT charges, etc., up to the chosen sum insured.

*  Daycare treatments, such as dialysis, chemotherapy, and other minor procedures, are fully supported up to SI.

*  Pre-hospitalization (up to 30 days) and post-hospitalization (up to 60 days) expenses.

 4. Value-Added Perks That Make a Difference

Unique benefits of the plan include:

*  Sum Insured Recharge: Automatically refills the entire sum insured once in a policy year for unrelated illnesses.

*  Consumable Allowance: Covers non-medical items like masks, glycaemic strips, etc., at ₹750–1,000 per day after initial 3 days, for up to 7 days per hospitalization.

*  Companion Benefit: A lump sum (₹10,000–15,000 depending on sum insured) paid if hospitalization exceeds 10 days.

*  Domiciliary Hospitalization: Home-based hospitalization covered up to 10% of the sum insured after 3 days, valuable when hospital access is limited.

*  Dialysis Cover: ₹1,000 per sitting covered, making regular treatment more manageable.

 5. Optional Enhancements via Add-Ons

Care Freedom also offers valuable add-ons to enhance preventive and outpatient care:

*  Health Check+: Upgrades your annual health check-up to a diabetes-specific or cardiac panel.

*  Good Health+: Includes OPD doctor consultations, pharmacy discounts, and wellness offerings—ideal for long-term condition monitoring.

*  Home Care: Supports post-hospital recovery at home with nursing care up to 7 days per illness or 45 days annually.

 6. Premium-Saving Features & Costs

*  Aggregate Deductible: Opting for a deductible between ₹25,000–₹3 lakh can lower premiums by up to 60%.

*  Multi-year & Family Discounts: Enjoy up to 10% off for longer policy terms or including family members.

*  Co-payment Structure: Standard co-pay of 20% (up to age 70) and 30% (70+), lowering premiums while retaining coverage.

*  Tax Relief: Premiums are eligible for deductions under Section 80D of the Income Tax Act.

 7. Important Considerations & Exclusions

While comprehensive, the Care Freedom plan includes notable limitations:

*  Sub-limits on Treatments: Procedures like cataract surgery, knee replacements, and others may have capped payouts.

*  Standard Waiting Periods: 30-day waiting period for general conditions, and 24-month wait for pre-existing or specific disease coverage.

*  Typical Exclusions: OPD treatments, maternity, infertility, cosmetic surgeries, Ayurvedic therapies, rehabilitation, and self-inflicted injuries are excluded.

 8. Who Stands to Benefit the Most?

*  Individuals managing lifestyle conditions: The plan is purpose-built for those with ongoing diagnoses like diabetes or hypertension.

*  Families seeking tailored coverage: Floater options with add-ons make it financially accessible and convenient.

*  Cost-conscious buyers: Deductible options, multi-year & family discounts, and tax benefits enhance affordability.

*  Preventive health advocates: Health Check+ and recharge features help promote proactive health management.

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  Final Thoughts

The Care Freedom Diabetic Insurance plan via Quickinsure is a thoughtful, purpose-driven policy that strikes a balance between critical lifestyle disease coverage, affordability, and care-driven design. Its streamlined entry process, meaningful add-ons, and sum insured flexibility make it well-suited to the needs of those navigating chronic health conditions.

If navigating health insurance feels overwhelming, I can help you with a comparative breakdown, policy FAQs, or guidance on the best combination of add-ons for your needs. Just say the word!

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Quickinsure Insights: Extensive Add-On Covers in ICICI Lombard i Health

When it comes to health insurance, having a good base plan is important—but sometimes it’s the add-on covers that truly make your policy complete. The ICICI Lombard i Health Insurance Plan, available on Quickinsure, offers a wide range of add-on benefits that can be tailored to match the lifestyle, medical needs, and financial goals of different families and individuals.

At Quickinsure, we often advise customers to look beyond just the sum insured. Why? Because add-ons provide extra protection and financial support in areas that standard hospitalization coverage might not cover. In this article, we’ll explore the extensive add-on covers of ICICI Lombard i Health, how they work, and why they matter for smart policyholders.

   Why Add-On Covers Matter

Before diving into specifics, let’s understand the role of an add-on:

   Extra Protection: They safeguard against medical expenses not included in the base policy.

   Customization: Policyholders can tailor coverage to fit their lifestyle or family health needs.

   Value for Money: Often, the add-on cost is far less than buying a separate plan for those same benefits.

   Peace of Mind: Knowing you are covered for situations like critical illness, donor expenses, or recovery periods provides financial and emotional relief.

The i Health Plan by ICICI Lombard has built its reputation on offering comprehensive add-ons that extend far beyond hospitalization, ensuring policyholders get maximum benefit.

   Extensive Add-On Covers in ICICI Lombard i Health

    1.  Hospital Daily Cash Allowance

  This benefit provides a fixed daily allowance for each day of hospitalization (beyond 3 days).

  It helps cover incidental expenses like food, transport, or extra caregiving costs that are not covered under standard hospital bills.

  For families, this small daily amount adds up and reduces the financial burden during long stays.

👉 Example: If you’re hospitalized for 10 days, you receive cash for 7 days (after the waiting period), which can ease out-of-pocket expenses.

    2.  Convalescence Benefit (Recovery Benefit)

  Provides a lump sum payout if hospitalization exceeds 10 consecutive days.

  This is especially useful for patients who lose income during recovery or need extra care at home after discharge.

👉 For working professionals or breadwinners, this benefit acts like a safety net, ensuring the family’s daily expenses aren’t disrupted.

    3.  Critical Illness Cover (Optional)  

  Covers treatment costs for serious conditions like cancer, heart attack, kidney failure, or stroke.

  Offers lump sum compensation upon diagnosis of listed illnesses, irrespective of actual hospital bills.

  Helps families manage the high costs of advanced treatments, medicines, or lifestyle adjustments post-diagnosis.

👉 This is one of the most crucial add-ons, as critical illness treatment can otherwise drain savings.

    4.  Donor Expenses Cover

  Covers medical and surgical costs of an organ donor when the insured undergoes organ transplantation.

  Many base policies don’t include donor costs, leaving the insured to bear those expenses separately.

👉 With i Health, families get relief from this additional financial stress.

    5.  Maternity and Newborn Baby Cover (Available in Extended Plans)

  For families planning children, this add-on is highly valuable.

  Covers delivery expenses, cesarean costs, and sometimes newborn baby hospitalization for the first few days.

  Ensures maternity-related healthcare doesn’t put pressure on savings.

👉 Although not part of the basic i Health variant, it can be included in  i Health Plus  and other variants.

    6.  Outpatient & Wellness Services

  Many illnesses don’t require hospitalization but still involve regular medical costs.

  Add-on in i Health provides annual health check-ups, online consultations, diet plans, and preventive care.

  Encourages policyholders to maintain good health and detect issues early.

👉 Families with elderly parents or children benefit greatly from routine check-ups covered under this option.

    7.  Reset Benefit

  Automatically restores the sum insured up to 100% if it gets exhausted during the policy year.

  Available for unrelated illnesses or accidents.

  Especially useful for family floaters, where multiple members might need coverage in the same year.

👉 Example: If one family member uses the entire ₹5 lakh sum insured, the reset feature reinstates it so others are still covered.

    8.  Alternative Treatments (AYUSH Cover)

  Covers treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

  Expands healthcare options for families who prefer traditional medicine.

👉 For holistic health seekers, this add-on widens the scope of medical care under insurance.

   Why Quickinsure Recommends I Health Add-On Covers

At Quickinsure, we carefully compare plans across insurers. The ICICI Lombard i Health Add-Ons stand out because:

   Comprehensive Range: From hospitalization extras to wellness and critical illness coverage, they cover all scenarios.

   Flexibility: Customers can choose add-ons based on family size, lifestyle, and health history.

   Affordability: Add-ons cost less than separate specialized policies, making them cost-effective.

   Convenience: Everything is bundled into one policy, simplifying claim management.

For example, instead of buying a separate critical illness policy, policyholders can simply add this benefit to I Health at a much lower premium.

   Who Should Opt for Add-On Covers?

   Young Families: Add maternity, newborn, and wellness covers to secure family health.

   Working Professionals: Add convalescence and daily cash benefit for income protection during long hospitalizations.

   Elderly Members: Add critical illness, AYUSH, and reset benefits for complete protection.

   Frequent Travelers: Add-ons like emergency support and worldwide coverage make the plan suitable for global security.

   FAQs on I Health Add-On Covers

 Q1. Can I buy add-ons later, after the base policy purchase?

Yes, add-ons can usually be added during policy renewal or sometimes mid-term, depending on ICICI Lombard’s rules.

 Q2. Do add-ons increase my premium significantly?

Add-ons come at an additional cost, but compared to separate plans, they are more economical.

 Q3. Is critical illness covered in the base i Health plan?

No, it’s available as an optional add-on that provides lump sum coverage upon diagnosis.

 Q4. Are add-ons available under both individual and floater policies?

Yes, most add-ons are available for both, but specific terms may vary.

 Q5. Do maternity benefits have a waiting period?

Yes, maternity covers generally come with a  2–4 year waiting period, so early purchase is advisable.

   Final Thoughts

The  ICICI Lombard i Health Insurance Plan, with its wide range of add-on covers, offers flexibility that goes beyond hospitalization. Whether it’s critical illness protection, maternity coverage, donor expenses, or wellness services, these add-ons empower you to build a policy that truly fits your family’s needs.

At  Quickinsure, we strongly recommend exploring these add-ons before finalizing your health insurance plan. With the right combination, you not only save money but also secure your family against unexpected financial shocks.

👉 If you’re looking for a policy that grows with your needs and offers comprehensive add-on flexibility, the ICICI Lombard i Health Plan via Quickinsure is one of the best options in the market today.

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Quickinsure Advice: Discounts & Family Features of ProHealth Accumulate

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.

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