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 8500 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

8500

Network Hospitals

0

Customer Rating

Policy Prospectus

Get a Quote

88

Claim Settlement Ratio

8500

Network Hospitals

0

Customer Rating

Policy Prospectus

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.

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

swipe

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

Cashless Healthcare Providers

Available through ManipalCigna network hospitals

Waiting Period

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

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

Exclusions

Not available

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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,...