ManipalCigna ProHealth Preferred
Manipal Cigna Health Insurance Company
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features
Unlimited ICU Coverage
ICU expenses are covered without any limit, ensuring financial protection during critical medical emergencies requiring intensive care.
Day Care Treatments
Covers procedures requiring hospitalization of less than 24 hours, including dialysis, chemotherapy, and cataract surgery, ensuring financial support for advanced medical treatments without extended hospital stays.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Up to Sum Insured
ICU: No Limit
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 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.
Co-payment
Mandatory co-payment of 20% will be applicable on all claims irrespective of the age of entry into the Policy.
Waiting Periods
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).
Cashless Healthcare Providers
7,500+ Healthcare Providers
Day Care Treatments
Covers treatment or surgery that requires less than 24 hours hospitalization.
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.
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.
Expenses related to fertility treatments, pregnancy, and childbirth, except when explicitly covered.
Non-prescribed vitamins, supplements, and experimental treatments.
Any treatment related to war, terrorism, nuclear hazards, or biological attacks.
Exclusions
Reduced Waiting Period - Lower pre-existing disease waiting period to 24 months by paying an additional premium.
No Co-Payment Option - Opt to remove the mandatory 20% co-payment by paying an extra premium.
Add-ons
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About the Company
Manipal Cigna Health Insurance was founded in 2014. It is a joint venture between Manipal group and Cigna Corporation. The company’s headquarters is in Mumbai, India.
The company provides a wide range of health insurance products.Their offerings include individual and family health plans, critical illness coverage, and specialized policies for senior citizens. ManipalCigna's key products like ProHealth Insurance, Super Top-Up, and Prime Senior Insurance offer extensive coverage for hospitalization, wellness services, and critical health conditions. They also provide global coverage, preventive healthcare, and cashless treatment across a network of 6,500+ hospitals. The company focuses on customer-centric services, with digital tools for managing policies, claims, and renewals, enhancing convenience for policyholders.
About the Company
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