OneAssure

Health Insurance

ManipalCigna

ProHealth Protect

Tata AIG Protect Plan

Add a guaranteed 5% cumulative bonus each year up to 200%, restore cover any number of times for unrelated illnesses, and get a single private room up to ₹5.5 lakh or any room except a suite from ₹7.5 lakh.

88%

Claim Settlement Ratio

8,500+

Network Hospitals

6.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: ManipalCigna ProHealth Protect

Final Verdict

The Tata AIG Group EMI Protect Policy offers critical illness and accident coverage, ensuring EMIs are paid during medical emergencies. Ideal for employees seeking financial security against health-related disruptions in work.

About

What Is ProHealth Protect?

The Tata AIG Group EMI Protect Policy safeguards individuals by covering EMIs if they are unable to work due to accidents or critical illnesses. It includes worldwide in-patient hospitalization, accidental hospitalization benefits, and critical illness coverage. This plan is typically offered through employers, with premiums deducted from salaries. Additionally, the Loan Protect Plan (Comprehensive) ensures EMIs are paid during medical emergencies. For exact coverage, exclusions, and claims, refer to Tata AIG’s official policy documents or consult their representatives.

Protect Ratings

Protect

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 Protect Inclusions and Exclusions

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Cashless Healthcare Providers

10,000 cashless healthcare providers across India.

Waiting Period

Pre-existing diseases (PEDs): Any illness that existed before buying the policy is covered only after a waiting period of 36 months.
Specific diseases & treatments: Certain medical conditions like hernia, cataracts, gallstones, or knee replacement surgery have a 24-month waiting period.
Initial waiting period: A 30-day waiting period applies for non-accident-related hospitalizations.

Daycare Treatment

Daycare treatments that require less than 24 hours of hospitalization are covered.

AYUSH Treatment

The policy covers alternative treatments under AYUSH.

Exclusions

Pre-existing diseases are not covered until after a 36-month waiting period.
Injuries resulting from suicide attempts or self-inflicted harm are excluded.
Claims arising due to war, civil war, invasion, or acts of terrorism are not covered.
Any medical condition caused by drug or alcohol consumption is excluded.
Hazardous sports activities like skydiving, scuba diving, motor racing, or mountaineering are not covered.

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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.