ManipalCigna Pro Health Prime
ManipalCigna
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Cashless Healthcare Providers
ManipalCigna ProHealth Plan offers cashless treatment at over 8,500 network hospitals across India, including 5,936 in Bengaluru
Room Rent (Normal & ICU)
The ManipalCigna ProHealth Premier Plan covers room rent for any room category, excluding suites or higher, and fully covers ICU charges.
Policy Wording
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Our Verdict
ManipalCigna ProHealth Premier offers extensive coverage with wellness benefits, critical illness add-ons, and a cumulative bonus booster. Add-ons like the waiver of co-pay for seniors make it ideal for families and individuals seeking premium, long-term health security.
About the Plan
The ManipalCigna ProHealth Prime Plan provides comprehensive health coverage, including in-patient hospitalization, pre- and post-hospitalization, day-care treatments, and wellness benefits. It offers additional protection for critical illnesses, maternity, and organ transplants, while also including optional riders for enhanced benefits. The plan also covers alternative treatments such as AYUSH and provides access to an extensive network of hospitals for cashless services. With customizable options and benefits like restoration of sum insured, it aims to deliver complete healthcare solutions to policyholders.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: single private A/C room
- ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.
Co-payment
20% copayment clause for policyholders aged 65 years and above for each claim.
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.
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Cashless Healthcare Providers
8,500+ network hospitals.
Daycare Treatment
All day care procedures are covered in this policy.
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
Treatment for pre-existing diseases during the waiting period.
Injuries or illnesses caused by self-harm, substance abuse, or hazardous activities.
Cosmetic or plastic surgery unless medically necessary.
Dental treatments unless required due to an accident.
Treatment for obesity, weight control procedures, or bariatric surgery unless specified.
Congenital diseases and anomalies unless covered under policy terms.
War, nuclear hazards, terrorism-related injuries, or unlawful activities.
War, nuclear hazards, terrorism-related injuries, or unlawful activities.
Exclusions
Related Variants
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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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