Does ProHealth Prime Active cover pre-existing conditions like diabetes and hypertension?

Yes. The plan is specifically designed for individuals with diabetes, hypertension, asthma, dyslipidaemia, and obesity. These conditions have a waiting period of 90 days instead of the standard longer waiting period applicable to other pre-existing conditions.

What is the restoration benefit under this plan

The plan restores 100% of the Sum Insured an unlimited number of times for unrelated illnesses during a policy year. The restoration benefit becomes available from the second claim onwards.

Are tele-consultations included?

Yes. The policy provides unlimited tele-consultation services through the insurer's network of consultants, allowing policyholders to seek medical advice remotely.

What happens if I am diagnosed with a listed critical illness?

The Premium Waiver Benefit waives one full renewal premium if the insured is diagnosed with any listed critical illness or in case of accidental death, subject to policy conditions.

OneAssure

Health Insurance

ManipalCigna

ProHealth Prime Active

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 35000 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Get a Quote

88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

ProHealth Prime Active is a specialized health insurance plan focused on customers with lifestyle-related pre-existing conditions. Its key strengths include reduced waiting periods for select diseases, unlimited restoration benefits, and wellness-driven rewards.

About

About ManipalCigna Health Insurance

ManipalCigna ProHealth Prime Active is a specialized health insurance plan created for individuals living with common lifestyle-related medical conditions such as diabetes, hypertension, asthma, dyslipidaemia, and obesity. The plan provides hospitalization coverage, daycare treatments, AYUSH care, domiciliary treatment, donor expenses, and unlimited tele-consultation support. It includes unlimited restoration of the sum insured for unrelated illnesses, premium waiver benefits, wellness rewards, and coverage for mental illness, HIV/AIDS, and STD treatments. The plan aims to provide health insurance access to individuals who may find coverage difficult due to pre-existing health conditions.

ManipalCigna ProHealth Prime Active is a specialized health insurance plan created for individuals living with common lifestyle-related medical conditions such as diabetes, hypertension, asthma, dyslipidaemia, and obesity. The plan provides hospitalization coverage, daycare treatments, AYUSH care, domiciliary treatment, donor expenses, and unlimited tele-consultation support. It includes unlimited restoration of the sum insured for unrelated illnesses, premium waiver benefits, wellness rewards, and coverage for mental illness, HIV/AIDS, and STD treatments. The plan aims to provide health...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: For Sum Insured ₹3 Lakh & ₹5 Lakh: 1% of Sum Insured per day; For Sum Insured ≥ ₹7.5 Lakh: Single Private AC Room
ICU: Up to Sum Insured

Advanced Treatments

Modern & Advanced Treatments covered

Co-payment

10% co-payment per claim

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 90 days for Diabetes, Hypertension, Asthma, Dyslipidaemia and Obesity; 24 months for all other pre-existing conditions
Specific Disease/Procedure Waiting Period: 24 months

Cashless Healthcare Providers

Not mentioned — verify from policy wordings

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: For Sum Insured ₹3 Lakh & ₹5 Lakh: 1% of Sum Insured per day; For Sum Insured ≥ ₹7.5 Lakh: Single Private AC Room
ICU: Up to Sum Insured

Advanced Treatments

Modern & Advanced Treatments covered

Co-payment

10% co-payment per claim

Pageof 3

Exclusions

Not available

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

About the company

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited...

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness,...