Manipal Cigna Prohealth Protect Plan
Manipal Cigna Health Insurance Company
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 & ICU)
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 Periods
Initial Waiting Period- 30 Days
Specified Diseases - 24 Months
Pre-Existing Diseases - 36 Months
Cashless Healthcare Providers
7500+ Network Hospitals
Day Care Treatments
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
Enhanced No-Claim Bonus - Increases sum insured for every claim-free year.
Worldwide Coverage - Extends medical coverage beyond India.
Maternity Benefit Add-on - Covers maternity expenses, including newborn care.
Critical Illness Cover - Lump sum payout on diagnosis of listed illnesses.
Personal Accident Cover - Provides financial protection against accidental injuries.
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
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