Manipal Cigna ProHealth

For individuals aged 65 years and above, a mandatory 20% copayment applies to each claim. Additionally, if treatment is taken outside the policy’s specified network or under certain conditions, a copayment clause may be applicable.

Normal: The Manipal Cigna ProHealth Insurance policy does not have a specific room rent capping, allowing policyholders to choose any hospital room as per their preference. However, if the insured opts for a higher-category room, proportionate deductions may apply to other medical expenses

ICU: no limit

Coverage includes robotic surgeries, stem cell therapy for specific conditions, and organ transplant expenses. It also extends to modern cancer treatments like immunotherapy and targeted therapy, along with advanced cardiac procedures, ensuring access to cutting-edge medical care.

Pre-existing diseases: A waiting period of 3 years applies before coverage for pre-existing conditions begins.

Maternity and newborn coverage: A waiting period of 36 months for maternity-related expenses and 90 days for newborn baby expenses.

Specific treatments: Certain treatments, like critical illnesses or specified conditions, may have their own waiting period, generally up to 2 years.

8500+ network hospitals.

The Manipal Cigna ProHealth Insurance policy covers daycare treatments, which are medical procedures that do not require 24-hour hospitalization.

Policy provides coverage for Ayush treatments, which include Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These treatments are covered under the policy's Alternative Treatment section, subject to certain terms and conditions.