ManipalCigna Pro Health Select
ManipalCigna
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a private single room for hospitalization, ensuring comfort and privacy. ICU charges are fully covered up to the sum insured, reducing financial burden during critical treatments.
Advanced Treatments
Includes modern medical procedures like robotic surgeries, immunotherapy, oral chemotherapy, and stem cell therapy. These advanced treatments provide cutting-edge healthcare options without additional financial stress on policyholders.
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Our Verdict
The ManipalCigna ProHealth Select Plan offers comprehensive coverage, including critical illness and maternity benefits. Ideal for individuals seeking flexibility and financial protection, with lifetime renewability and tax benefits under Section 80D.
About the Plan
The ManipalCigna ProHealth Select Insurance Plan offers coverage from ₹50,000 to ₹25 lakh, including hospitalization, pre- and post-hospitalization, 171 daycare treatments, domiciliary care, and ambulance services. It features a reassurance benefit, providing a two-year policy extension for critical illness or permanent disability. Optional add-ons like critical illness cover and cumulative bonus booster enhance flexibility. With lifetime renewability and tax benefits under Section 80D, this plan ensures financial security and peace of mind against medical emergencies.
About the Plan
Product Stats
Rating
Features of the Product
Cashless Healthcare Providers
6500+ Network Hospitals
Room Rent
- Normal: Private Single 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
Co-payment
Co-payment of 20% is applicable on all claims for Insured Persons Aged 65 years and above irrespective of Age of entry in to the Policy.
Waiting Period
- 30 days waiting period is applicable for all illnesses other than accidents
- 24 months Specified disease/procedure waiting period
- Pre-existing diseases will be covered after 48 months
- A 90-day waiting period is applicable to critical illness under Re-assurance and Add On Cover (if opted)
Daycare Treatment
Covered up to Sum Insured
AYUSH Treatment
Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured.
Exclusions
Treatment for pre-existing diseases during the waiting period.
Illnesses occurring within the first 30 days of policy commencement.
Injuries due to self-inflicted harm, suicide attempts, or substance abuse.
Cosmetic or plastic surgery unless medically necessary.
Dental procedures unless required due to an accident.
Treatment related to fertility, sterility, or pregnancy complications.
Experimental, unproven, or non-standard medical treatments.
Congenital diseases, external medical devices, and prosthetics.
Hospitalization solely for diagnostic purposes without treatment.
Treatment for injuries sustained from war, terrorism, or nuclear exposure.
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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