How does the waiting period affect my coverage?

Pro Health Protect has a 30-day initial waiting period, 24 months for specific diseases, and 36 months for pre-existing conditions before coverage begins.

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

The policy offers a No-Claim Bonus, increasing the sum insured for every claim-free year, maximizing future coverage benefits.

Will my health insurance cover treatment abroad?

Pro Health Protect does not cover treatments outside India. Only medical expenses incurred within the country are eligible for claims.

OneAssure

Health Insurance

ManipalCigna

ProHealth Protect

ManipalCigna ProHealth Protect

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

7.8

Customer Rating

Brochure

Policy Wording

Get a Quote

88%

Claim Settlement Ratio

35000+

Network Hospitals

7.8

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: ManipalCigna Health Insurance

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Final Verdict

The ManipalCigna ProHealth Protect Plan offers customizable coverage with lifetime renewability. Ideal for individuals and families seeking flexible health insurance with global coverage, no-claim bonuses, and critical illness benefits.

About

About ManipalCigna Health Insurance

The ManipalCigna ProHealth Protect Insurance Plan offers flexible coverage for hospitalization, pre- and post-hospitalization, and daycare treatments. Policyholders can choose any room category and access cashless treatment at 7,500+ network hospitals. Optional add-ons include hospital daily cash and deductible options for customization. With lifetime renewability and tax benefits under Section 80D, this plan ensures financial security against medical expenses, making it a comprehensive health insurance choice for individuals and families.

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Single Private AC RoomICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical ThermoplastyVaporisation 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.

Co-payment

Co-payment of 20% on all claims for insured individuals aged 65 years and above.

Waiting Period

Initial Waiting Period- 30 Days Specified Diseases - 24 Months Pre-Existing Diseases - 36 Months

Cashless Healthcare Providers

7500+ Network Hospitals

Daycare Treatment

Covered up to Sum Insured.

AYUSH Treatment

Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured.

Room Rent

Normal: Single Private AC RoomICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical ThermoplastyVaporisation 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.

Co-payment

Co-payment of 20% on all claims for insured individuals aged 65 years and above.

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Exclusions

Pre-existing diseases covered after the waiting period.
Treatment for self-inflicted injuries or suicide attempts.
Cosmetic or aesthetic procedures unless medically necessary.
Treatment for alcohol or drug abuse.
Injuries due to hazardous activities or adventure sports.
Non-allopathic treatments unless covered under AYUSH benefits.
Expenses related to infertility or in-vitro fertilization.
War, riot, or nuclear radiation-related injuries.

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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,...