How does the waiting period affect my coverage?

The ManipalCigna ProHealth Plan has a 30-day initial waiting period, 24-month specific disease waiting period, and 48-month pre-existing condition waiting period.

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

A No Claim Bonus increases your sum insured by a percentage each claim-free year, enhancing coverage without additional premium costs.

Does the ManipalCigna ProHealth Plan cover treatment abroad?

The plan primarily covers treatments within India, but optional add-ons may offer limited international coverage for medical emergencies.

OneAssure

Health Insurance

ManipalCigna

ProHealth

Manipal Cigna ProHealth

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

0

Customer Rating

Policy Policy Wording

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88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

Manipal Cigna ProHealth offers comprehensive coverage with sum insured restoration, maternity benefits, and wellness programs. Flexible add-ons like deductible options and waivers cater to diverse needs, making it a strong choice for those seeking extensive, customizable health security.

About

About ManipalCigna Health Insurance

The Manipal Cigna ProHealth Insurance plan is a comprehensive health insurance solution designed to offer extensive medical coverage with flexible sum insured options. It includes benefits like in-patient hospitalization, pre- and post-hospitalization expenses, day-care treatments, and domiciliary care. The plan also provides restoration of sum insured, maternity and newborn coverage, wellness programs, and optional riders for enhanced protection. With no specific room rent capping and coverage for advanced treatments, it ensures access to quality healthcare. Additionally, policyholders can enjoy tax benefits under Section 80D and avail of cashless treatment at an extensive hospital network, making it a well-rounded choice for...

The Manipal Cigna ProHealth Insurance plan is a comprehensive health insurance solution designed to offer extensive medical coverage with flexible sum insured options. It includes benefits like in-patient hospitalization, pre- and post-hospitalization expenses, day-care treatments, and domiciliary care. The plan also provides restoration of sum insured, maternity and newborn coverage, wellness programs, and optional riders for enhanced protection. With no specific room rent capping and coverage for advanced treatments, it ensures access to quality healthcare....

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

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Co-payment

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.

Room Rent

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

Advanced Treatments

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.

Cashless Healthcare Providers

8500+ network hospitals.

Waiting Period

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.

Daycare Treatment

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

AYUSH Treatment

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.

Co-payment

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.

Room Rent

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

Advanced Treatments

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.

Exclusions

Expenses related to the treatment of a pre-existing disease and its direct complications are excluded until the expiry of the applicable waiting period.
A waiting period of 30 days from the inception date of the policy applies to all hospitalization claims, except in case of accidents.
A waiting period of 24 months applies to specific treatments, whether medical or surgical, along with their complications.
Any illness or injury due to participation in hazardous activities, adventure sports, or defense operations is not covered.
Treatment related to self-inflicted injuries, suicide, or substance abuse is excluded.

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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...

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,...