Does ProHealth Prime cover pre-existing diseases?

Yes, but coverage starts after the applicable waiting period. The pre-existing disease waiting period is 36 months for sum insured up to ₹5 lakhs and 24 months for ₹7.5 lakhs and above.

What is the unlimited restoration feature in this plan?

The plan restores 100% of the sum insured multiple times during the policy year for related and unrelated illnesses. This benefit becomes applicable from the second claim onwards.

Are cashless services available under this plan?

Yes. Cashless hospitalization is available at network hospitals. The insurer also offers network-based discounts on pharmacy, diagnostics, and health supplements.

Does the plan offer maternity or newborn coverage?

Yes. Maternity, newborn, and first-year vaccination expenses are available through optional packages like Enhance and Enhance Plus, subject to policy terms and waiting periods.

OneAssure

Health Insurance

ManipalCigna

ProHealth Prime Advantage

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

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88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

ManipalCigna ProHealth Prime Advantage is suited for buyers looking for broad healthcare coverage with wellness rewards, unlimited restoration, and optional maternity or global emergency features. The plan offers strong customization flexibility through multiple optional packages.

About

About ManipalCigna Health Insurance

ManipalCigna ProHealth Prime Advantage is a comprehensive health insurance plan designed to combine hospitalization coverage with wellness, OPD, restoration, and preventive healthcare features. The plan covers in-patient hospitalization, AYUSH treatment, modern treatments, domiciliary care, bariatric surgery, and air ambulance expenses. It also includes unlimited restoration of sum insured for related and unrelated illnesses from the second claim onwards. Buyers can further customize the policy using optional packages like maternity cover, worldwide emergency hospitalization, room upgrade benefits, and infertility treatment coverage.

ManipalCigna ProHealth Prime Advantage is a comprehensive health insurance plan designed to combine hospitalization coverage with wellness, OPD, restoration, and preventive healthcare features. The plan covers in-patient hospitalization, AYUSH treatment, modern treatments, domiciliary care, bariatric surgery, and air ambulance expenses. It also includes unlimited restoration of sum insured for related and unrelated illnesses from the second claim onwards. Buyers can further customize the policy using optional packages like maternity cover, worldwide emergency hospitalization, room upgrade...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Sum Insured

Co-payment

Not mentioned

Cashless Healthcare Providers

Cashless hospitalization available at network hospitals

Advanced Treatments

Modern and advanced treatments covered up to Sum Insured

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period:36 months for Sum Insured up to ₹5 lakhs24 months for Sum Insured ₹7.5 lakhs and aboveSpecific Disease/Procedure Waiting Period: 24 Months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Sum Insured

Co-payment

Not mentioned

Cashless Healthcare Providers

Cashless hospitalization available at network hospitals

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Exclusions

Not available

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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,...