Manipal Cigna ProHealth
ManipalCigna
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Policy Wording
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Our 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 the Plan
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 long-term health security.
About the Plan
Features of the Product
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.
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.
Cashless Healthcare Providers
8500+ network hospitals.
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.
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.
Exclusions
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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 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.
About the Company
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Frequently Asked Questions
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