What is the waiting period for pre-existing diseases?

The waiting period depends on the selected sum insured. It is 36 months for sum insured up to ₹5 lakh and 24 months for sum insured of ₹7.5 lakh and above.

How does the Unlimited Restoration Benefit work?

The policy restores 100% of the sum insured for related and unrelated illnesses an unlimited number of times during a policy year. The benefit becomes available from the second claim onwards.

Does ProHealth Prime cover outpatient expenses?

Yes. Under the Advantage Plan, outpatient consultations, prescribed diagnostics, and pharmacy expenses are covered on a cashless basis up to the selected OPD limit.

Is maternity coverage available under the policy?

Yes. Maternity, newborn expenses, and first-year vaccination coverage are available through optional packages such as Enhance and Enhance Plus, subject to waiting periods and policy limits.

OneAssure

Health Insurance

ManipalCigna

ProHealth Plus

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 stands out through its unlimited restoration benefit, OPD coverage, wellness rewards, annual health check-ups, and extensive customization through optional packages.

About

About ManipalCigna Health Insurance

ManipalCigna ProHealth Prime is a comprehensive healthcare insurance plan designed to provide protection beyond hospitalization. The plan covers inpatient treatment, advanced treatments, mental illness, AYUSH care, domiciliary treatment, OPD expenses, wellness programs, annual health check-ups, and unlimited restoration benefits. It also offers several optional packages including maternity coverage, worldwide emergency hospitalization, infertility treatment, and premium waiver benefits. The plan is suitable for individuals and families seeking broad healthcare coverage along with preventive and wellness-focused benefits.

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Single Private AC Room
ICU: Up to Sum Insured

Advanced Treatments

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured
Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Not mentioned

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period:Sum Insured up to ₹5 Lakh: 36 MonthsSum Insured ₹7.5 Lakh and above: 24 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

Not mentioned

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private AC Room
ICU: Up to Sum Insured

Advanced Treatments

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured
Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Not mentioned

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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,...