Manipal Cigna ProHealth
Manipal Cigna Health Insurance Company
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Policy Wording
Explore more features
Our Verdict
Manipal Cigna ProHealth offers comprehensive coverage with sum insured restoration, maternity benefits, and wellness programs. Flexible add-ons like deductible options and waivers cater to diverse needs, making it a strong choice for those seeking extensive, customizable health security.
About the Plan
The Manipal Cigna ProHealth Insurance plan is a comprehensive health insurance solution designed to offer extensive medical coverage with flexible sum insured options. It includes benefits like in-patient hospitalization, pre- and post-hospitalization expenses, day-care treatments, and domiciliary care. The plan also provides restoration of sum insured, maternity and newborn coverage, wellness programs, and optional riders for enhanced protection. With no specific room rent capping and coverage for advanced treatments, it ensures access to quality healthcare. Additionally, policyholders can enjoy tax benefits under Section 80D and avail of cashless treatment at an extensive hospital network, making it a well-rounded choice for long-term health security.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: The Manipal Cigna ProHealth Insurance policy does not have a specific room rent capping, allowing policyholders to choose any hospital room as per their preference. However, if the insured opts for a higher-category room, proportionate deductions may apply to other medical expenses
ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy for specific conditions, and organ transplant expenses. It also extends to modern cancer treatments like immunotherapy and targeted therapy, along with advanced cardiac procedures, ensuring access to cutting-edge medical care.
Co-payment
For individuals aged 65 years and above, a mandatory 20% copayment applies to each claim. Additionally, if treatment is taken outside the policy’s specified network or under certain conditions, a copayment clause may be applicable.
Waiting Periods
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.
Cashless Healthcare Providers
8500+ network hospitals.
Day Care Treatments
The Manipal Cigna ProHealth Insurance policy covers daycare treatments, which are medical procedures that do not require 24-hour hospitalization.
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
Expenses related to the treatment of a pre-existing disease and its direct complications are excluded until the expiry of the applicable waiting period.
A waiting period of 30 days from the inception date of the policy applies to all hospitalization claims, except in case of accidents.
A waiting period of 24 months applies to specific treatments, whether medical or surgical, along with their complications.
Any illness or injury due to participation in hazardous activities, adventure sports, or defense operations is not covered.
Treatment related to self-inflicted injuries, suicide, or substance abuse is excluded.
Exclusions
Hospital Daily Cash Benefit - Provides a fixed daily cash allowance for each continuous and completed 24 hours of hospitalization, helping to cover incidental expenses not included in the hospitalization bill. This benefit is available for up to 30 days per policy year.
Deductible Option - Allows you to choose a deductible amount, which is the portion of the claim you agree to pay before the insurance coverage kicks in. Opting for a higher deductible can reduce your premium. Deductible options range from ₹1 lakh to ₹10 lakhs.
Waiver of Deductible - Enables the removal of the chosen deductible after a specified period or upon payment of an additional premium, ensuring the insurer covers claims from the first rupee without any deductible.
Reduction in Maternity Waiting Period - Reduces the waiting period for maternity-related claims from 48 months to 24 months, allowing for earlier coverage of maternity expenses.
Voluntary Co-pay - Offers the option to share a percentage of each claim (either 10% or 20%), which can lead to a reduction in premium amounts. This means you pay the chosen co-pay percentage of the claim amount, and the insurer covers the rest.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Manipal Cigna Health Insurance was founded in 2014. It is a joint venture between Manipal group and Cigna Corporation. The company’s headquarters is in Mumbai, India.
The company provides a wide range of health insurance products.Their offerings include individual and family health plans, critical illness coverage, and specialized policies for senior citizens. ManipalCigna's key products like ProHealth Insurance, Super Top-Up, and Prime Senior Insurance offer extensive coverage for hospitalization, wellness services, and critical health conditions. They also provide global coverage, preventive healthcare, and cashless treatment across a network of 6,500+ hospitals. The company focuses on customer-centric services, with digital tools for managing policies, claims, and renewals, enhancing convenience for policyholders.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
10 Health Insurance Benefits You Should Check for in Your Policy
Discover the 10 advantages of insurance and learn how health insurance can protect your family and finances during unforeseen medical events.
Can Health Insurance Help with Epilepsy Treatment?
About 1% of the Indian population has epilepsy, states a study conducted by The NCBI. It means that more than 1 Crore Indians have epilepsy. The study also shows that the prevalence of epilepsy is more in rural areas than urban.
LIC to Acquire 40-49% Stake in ManipalCigna in ₹3,500 Crore Deal
LIC, with a market capitalization of ₹4.97 lakh crore, plans to acquire a 40-49% stake in ManipalCigna, valuing the company between ₹3,500 crore and ₹3,750 crore.