ManipalCigna ProHealth Protect
ManipalCigna
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Advanced Medical Coverage
Covers cutting-edge treatments like robotic surgeries, deep brain stimulation, and immunotherapy, providing financial support for specialized and high-cost medical procedures.
Room Rent (Normal & ICU)
Ensures private room comfort for hospitalization and full ICU coverage up to the sum insured, reducing financial burden.
Brochure
Policy Wording
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Our Verdict
The ManipalCigna ProHealth Protect Plan offers customizable coverage with lifetime renewability. Ideal for individuals and families seeking flexible health insurance with global coverage, no-claim bonuses, and critical illness benefits.
About the Plan
The ManipalCigna ProHealth Protect Insurance Plan offers flexible coverage for hospitalization, pre- and post-hospitalization, and daycare treatments. Policyholders can choose any room category and access cashless treatment at 7,500+ network hospitals. Optional add-ons include hospital daily cash and deductible options for customization. With lifetime renewability and tax benefits under Section 80D, this plan ensures financial security against medical expenses, making it a comprehensive health insurance choice for individuals and families.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Single Private AC Room
- ICU: Covered up to Sum Insured
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
Co-payment of 20% on all claims for insured individuals aged 65 years and above.
Waiting Period
- Initial Waiting Period- 30 Days
- Specified Diseases - 24 Months
- Pre-Existing Diseases - 36 Months
Cashless Healthcare Providers
7500+ Network Hospitals
Daycare Treatment
Covered up to Sum Insured.
AYUSH Treatment
Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured.
Exclusions
Pre-existing diseases covered after the waiting period.
Treatment for self-inflicted injuries or suicide attempts.
Cosmetic or aesthetic procedures unless medically necessary.
Treatment for alcohol or drug abuse.
Injuries due to hazardous activities or adventure sports.
Non-allopathic treatments unless covered under AYUSH benefits.
Expenses related to infertility or in-vitro fertilization.
War, riot, or nuclear radiation-related injuries.
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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