How does the waiting period affect my coverage?

The Pro Health Preferred Policy has a 30-day initial waiting period, 24 months for specified diseases, and 48 months for pre-existing conditions

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made, the Pro Health Preferred Policy offers a No Claim Bonus, increasing the sum insured by 10% per claim-free year, up to a maximum of 100%.

Will my health insurance cover treatment abroad?

The Pro Health Preferred Policy does not cover overseas treatment; all claims must be for treatments received in India.

OneAssure

Health Insurance

ManipalCigna

ProHealth Preferred

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

6.8

Customer Rating

Get a Quote

88

Claim Settlement Ratio

35000

Network Hospitals

6.8

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

The ManipalCigna ProHealth Preferred Plan offers comprehensive coverage, including maternity benefits and family discounts. Ideal for families and individuals seeking extensive health insurance with added flexibility and reduced waiting periods.

About

About ManipalCigna Health Insurance

The ManipalCigna ProHealth Preferred Plan is a comprehensive health insurance policy designed to offer extensive coverage for individuals and families. It provides a wide range of benefits, including coverage for hospitalization expenses, pre- and post-hospitalization costs, and all day care treatments. A notable feature of this plan is its maternity and newborn coverage, offering up to ₹50,000 for normal deliveries and ₹1 lakh for cesarean sections. Additionally, the plan offers a family discount of 10% when covering two or more family members under the same individual policy. Policyholders also have the flexibility to choose any room category during hospitalization. These features make the ProHealth Preferred Plan a suitable choice for those seeking comprehensive health coverage with added maternity benefits.

The ManipalCigna ProHealth Preferred Plan is a comprehensive health insurance policy designed to offer extensive coverage for individuals and families. It provides a wide range of benefits, including coverage for hospitalization expenses, pre- and post-hospitalization costs, and all day care treatments. A notable feature of this plan is its maternity and newborn coverage, offering up to ₹50,000 for normal deliveries and ₹1 lakh for cesarean sections. Additionally, the plan offers a family discount of 10%...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Cashless Healthcare Providers

7,500+ Healthcare Providers

Daycare Treatment

Covers treatment or surgery that requires less than 24 hours hospitalization.

Co-payment

Mandatory co-payment of 20% will be applicable on all claims irrespective of the age of entry into the Policy.

Room Rent

Normal: Up to Sum InsuredICU: No Limit

AYUSH Treatment

Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)Balloon Sinuplasty Deep Brain stimulationOral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeriesBronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

First 30 days waiting period is applicable for all illnesses other than accidents. 24 months waiting period is applicable on specified diseases/procedures. Pre-existing diseases will not be covered for 48 months (option available to reduce to 24 months by paying one time additional premium).

Cashless Healthcare Providers

7,500+ Healthcare Providers

Daycare Treatment

Covers treatment or surgery that requires less than 24 hours hospitalization.

Co-payment

Mandatory co-payment of 20% will be applicable on all claims irrespective of the age of entry into the Policy.

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Exclusions

Pre-existing diseases not covered for 48 months (unless reduced by optional benefit).
Treatment for self-inflicted injuries, suicide attempts, or substance abuse-related conditions.
Cosmetic or aesthetic treatments, unless medically necessary.
Injuries or illnesses due to participation in hazardous sports or activities.
Treatment received outside India.
Expenses related to fertility treatments, pregnancy, and childbirth, except when explicitly covered.
Non-prescribed vitamins, supplements, and experimental treatments.
Any treatment related to war, terrorism, nuclear hazards, or biological attacks.

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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,...