OneAssure

Health Insurance

ManipalCigna

ProHealth Premier

ManipalCigna Pro Health Prime

88%

Claim Settlement Ratio

8,500+

Network Hospitals

6.5/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: ManipalCigna ProHealth Premier

Final 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

What Is ProHealth Premier?

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.

Premier Ratings

Premier

Insurer Rating

6.21

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

Yes

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

ManipalCigna ProHealth Premier Inclusions and Exclusions

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.

Cashless Healthcare Providers

8,500+ 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

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.

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About the company

About ManipalCigna

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.