Manipal Cigna Pro Health premier
Manipal Cigna Health Insurance Company
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Cashless Healthcare Providers
ManipalCigna ProHealth Plan offers cashless treatment at over 8,500 network hospitals across India, including 5,936 in Bengaluru
Room Rent (Normal & ICU)
The ManipalCigna ProHealth Premier Plan covers room rent for any room category, excluding suites or higher, and fully covers ICU charges.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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.
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
8,500+ network hospitals.
Day Care Treatments
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.
Congenital diseases and anomalies unless covered under policy terms.
War, nuclear hazards, terrorism-related injuries, or unlawful activities.
War, nuclear hazards, terrorism-related injuries, or unlawful activities.
Exclusions
Hospital Daily Cash - Provides a fixed daily cash benefit of ₹3,000 for each continuous and completed 24 hours of hospitalization, assisting with out-of-pocket expenses. This benefit is available for up to 30 days per policy year.
Reduction in Maternity Waiting Period - Reduces the waiting period for maternity-related claims from 48 months to 24 months, allowing earlier access to maternity and newborn coverage.
Waiver of Mandatory Co-pay - Eliminates the mandatory 20% co-payment applicable to individuals aged 65 years and above, ensuring full coverage without additional out-of-pocket expenses for senior members.
Cumulative Bonus Booster - Increases your sum insured by 25% each year, regardless of claims made, up to a maximum of 200% of the original sum insured. This enhances your coverage over time.
ManipalCigna Critical Illness Add-on Cover - Provides a lump sum benefit upon the first diagnosis of any covered critical illness, offering financial support during challenging times.
Add-ons
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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
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