What is the restoration benefit under ProHealth Prime Protect?

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

How does the cumulative bonus work?

The plan provides a guaranteed cumulative bonus of 25% of the base Sum Insured every policy year, irrespective of claims. The cumulative bonus can reach up to 200% of the base Sum Insured

Does the plan provide annual health check-ups?

Yes. Annual health check-ups are available from the first policy year onwards for insured adults, subject to plan conditions and selected sum insured.

Are maternity benefits included in the base plan?

No. Maternity, newborn expenses, and first-year vaccination coverage are available through optional packages such as Enhance Plus and are subject to waiting periods and policy conditions.

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Health Insurance

ManipalCigna

ProHealth Prime Protect

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

ProHealth Prime Protect is a feature-rich health insurance plan focused on comprehensive hospitalization protection, unlimited restoration, and wellness-driven rewards. It may suit customers seeking long-term coverage with multiple customization options.

About

About ManipalCigna Health Insurance

ManipalCigna ProHealth Prime Protect is a comprehensive health insurance plan designed to provide hospitalization coverage along with several wellness and value-added benefits. The plan covers inpatient hospitalization, modern treatments, AYUSH care, domiciliary treatment, organ donor expenses, bariatric surgery, and air ambulance services. It offers unlimited restoration of the sum insured from the second claim onwards, annual health check-ups, wellness rewards, and cumulative bonus benefits that can increase coverage significantly over time. Optional packages allow policyholders to add maternity benefits, room upgrades, critical illness protection, and worldwide emergency hospitalization coverage.

ManipalCigna ProHealth Prime Protect is a comprehensive health insurance plan designed to provide hospitalization coverage along with several wellness and value-added benefits. The plan covers inpatient hospitalization, modern treatments, AYUSH care, domiciliary treatment, organ donor expenses, bariatric surgery, and air ambulance services. It offers unlimited restoration of the sum insured from the second claim onwards, annual health check-ups, wellness rewards, and cumulative bonus benefits that can increase coverage significantly over time. Optional packages allow policyholders...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

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

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 lakh; 24 months for ₹7.5 lakh and above
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

Co-payment

No mandatory co-payment mentioned

Room Rent

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

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 lakh; 24 months for ₹7.5 lakh and above
Specific Disease/Procedure Waiting Period: 24 months

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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,...