Can I opt for holistic or alternative medical treatments under this plan?

Yes. If you prefer alternative healing paths over conventional allopathic treatments, the plan provides comprehensive coverage for AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). Your medical expenses are eligible for a smooth claim under the policy's Alternative Treatment section, provided they are administered at a government-recognized institution or an accredited facility.

What makes the ManipalCigna ProHealth Premier (Prime) plan a premium health policy?

The ProHealth Premier plan is structured to provide end-to-end, high-value medical security with complete peace of mind. Its core advantage lies in clear, unrestricted room choices: it guarantees full coverage for a Single Private A/C Room during hospital admission, and there are no daily caps on ICU charges. This completely protects you from facing unexpected pro-rata deduction penalties on your doctor fees or surgical charges when the final claim is settled.

Is there a co-payment clause under this plan? Does it apply to everyone?

For regular adults and family members, there is no mandatory cost-sharing, and the plan handles 100% of the approved treatment costs. However, a 20% copayment clause applies to policyholders aged 65 years and above for each claim. Senior citizens can also choose optional add-ons, like a waiver of co-pay rider, to remove this cost-sharing requirement at the time of purchase.

How long do I have to wait before claims for pre-existing diseases are covered?

To keep premium rates sustainable and fair for everyone, the policy applies standard, structured waiting periods before specific claims unlock:Pre-Existing Diseases (PED): Chronic conditions you already have before buying the policy carry a 36-month (3-year) waiting period of continuous coverage.Maternity & Newborn Cover: Maternity-related expenses face a 36-month waiting window, while newborn baby expenses are covered after a short 90-day waiting period.Specific Health Conditions: Listed slow-growing treatments and procedures face their own specialized waiting window, which generally lasts up to 2 years (24 months).

Does the plan cover precision modern surgeries and high-cost advanced treatments?

Yes, fully. Modern medical tech offers precise treatments and faster recovery times, but it carries a high price tag. The ProHealth Premier plan covers advanced treatments up to your active sum insured layout, including robotic surgeries, stem cell therapy (for specific conditions), organ transplant expenses, and advanced oncology care like immunotherapy, chemotherapy, and targeted treatments.

Are minor daycare procedures covered if an overnight stay isn't necessary?

Absolutely. Thanks to rapid advancements in medical science, many surgeries can be completed in just a few hours. This policy ensures that all daycare procedures are covered, allowing you to undergo the required treatment and return home the same day without losing your active claim eligibility.

OneAssure

Health Insurance

ManipalCigna

ProHealth Premier

ManipalCigna Pro Health Prime

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 8500 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

8500

Network Hospitals

7.8

Customer Rating

Policy Policy Wording

Get a Quote

88

Claim Settlement Ratio

8500

Network Hospitals

7.8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: ManipalCigna Health Insurance

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

About ManipalCigna Health Insurance

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.

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...

Premier Ratings

Premier

Insurer Rating

4.81

out of 10

Product 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

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

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.

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.

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

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...

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,...