OneAssure

Health Insurance

ManipalCigna

ProHealth Preferred

ManipalCigna ProHealth Preferred

Stay in any hospital room except a suite, cover maternity up to ₹50,000 for a normal delivery or ₹1 lakh for a C-section after 48 months, and add a guaranteed 10% cumulative bonus each year up to 200%.

88%

Claim Settlement Ratio

8,500+

Network Hospitals

6.5/10

Plan Rating

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Our Verdict

Expert Review: ManipalCigna ProHealth Preferred

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

What Is ProHealth Preferred?

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.

Preferred Ratings

Preferred

Insurer Rating

6.21

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

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

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Inclusions and Exclusions

ManipalCigna ProHealth Preferred Inclusions and Exclusions

Co-payment

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

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).

Daycare Treatment

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

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.

Cashless Healthcare Providers

7,500+ Healthcare Providers

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.

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About the company

About ManipalCigna

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 restoration, cumulative bonuses, and even coverage for pre-existing health conditions, but only after a waiting period. Besides that, ManipalCigna caters to fitness needs of people, provides health checks, and offers maternity cover in some of their policies.
The company has more than 14500 hospitals in its network all over the country, thus it is easy for the customers to avail cashless treatment. Although its percentage of average claim settlement is 88.59%, which is just a little bit below the industry standard. However, ManipalCigna is credited with its path-breaking ideas and customer-focused strategy, among the Indian health insurance companies, which keeps it ahead of the pack.