ManipalCigna ProHealth Preferred
ManipalCigna
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
Cashless Healthcare Providers
7,500+ Healthcare Providers
Daycare Treatment
Covers treatment or surgery that requires less than 24 hours hospitalization.
Co-payment
Mandatory co-payment of 20% will be applicable on all claims irrespective of the age of entry into the Policy.
Room Rent
- Normal: Up to Sum Insured
- ICU: No Limit
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.
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.
Waiting Period
- 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).
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
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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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