Does ProHealth Preferred cover maternity expenses?

Yes. The plan covers maternity expenses, lawful termination of pregnancy, newborn baby expenses, and first-year vaccinations after the applicable waiting period. The standard maternity waiting period is 48 months, which can be reduced to 24 months through an optional cover.

What is the Restoration Benefit in ProHealth Preferred?

If the Sum Insured is exhausted due to admissible claims, the policy restores 100% of the Sum Insured any number of times during the policy year for future unrelated illnesses or injuries.

Does the plan provide coverage outside India?

Yes. The policy includes Worldwide Emergency Cover for medically necessary emergency treatment taken outside India that cannot be postponed until the insured returns to India.

Are annual health check-ups included?

Yes. Under the Preferred Plan, health check-ups are available every policy year after the first policy year, irrespective of claims history.

OneAssure

Health Insurance

ManipalCigna

ProHealth Preferred

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 Preferred is a feature-rich health insurance plan offering maternity benefits, worldwide emergency coverage, unlimited restoration benefits, and strong wellness features, making it suitable for families looking for comprehensive long-term protection.

About

About ManipalCigna Health Insurance

ManipalCigna ProHealth Preferred is a comprehensive health insurance plan designed for customers seeking extensive hospitalization and wellness benefits. The plan covers inpatient hospitalization, pre and post-hospitalization expenses, day care treatment, domiciliary treatment, organ donor expenses, worldwide emergency hospitalization, AYUSH treatment, maternity-related expenses, newborn baby cover, and first-year vaccinations. It also includes annual health check-ups, healthy rewards, cumulative bonus benefits, and unlimited restoration of Sum Insured for future unrelated claims during the same policy year.

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Any Room Category (excluding Suite and higher category)
ICU: Covered up to Sum Insured

Advanced Treatments

Robotic Surgery
Cyber Knife Treatment
Worldwide Emergency Treatment
Organ Transplant Related Hospitalization

Co-payment

No mandatory co-pay below age 65
20% mandatory co-pay for insured persons aged 65 years and above
Additional zone-based co-pay may apply for treatment outside selected zone

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months

Cashless Healthcare Providers

Available through ManipalCigna network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Any Room Category (excluding Suite and higher category)
ICU: Covered up to Sum Insured

Advanced Treatments

Robotic Surgery
Cyber Knife Treatment
Worldwide Emergency Treatment
Organ Transplant Related Hospitalization

Co-payment

No mandatory co-pay below age 65
20% mandatory co-pay for insured persons aged 65 years and above
Additional zone-based co-pay may apply for treatment outside selected zone

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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,...