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.

OneAssure

Health Insurance

ManipalCigna

ProHealth Prime Protect

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 8500 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

8500

Network Hospitals

0

Customer Rating

Get a Quote

88

Claim Settlement Ratio

8500

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...

Prime Protect Ratings

Prime Protect

Insurer Rating

4.81

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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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

Cashless Healthcare Providers

Not mentioned — verify from policy wordings

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

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

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...

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,...